Underwriter Consultant

MassMutual; Charlotte (NC); On-site; USD 110,000 - 140,000; Full time

Job summary

MassMutual is transforming life insurance underwriting through innovation and trusted guidance. As an Underwriter Consultant, you will evaluate complex risks, shape mortality and financial assessments, and partner with distribution teams to secure first-offer, best-offer outcomes.

Join a collaborative team that mentors talent and uses digital tools to enhance underwriting strategy while delivering exceptional service to advisors and clients.

Qualifications

• 5+ years life insurance underwriting experience.
• $5+ million underwriting authority.
• 10+ years underwriting experience preferred; authority of $10+ million.

Responsibilities

• Evaluate and handle all underwriting aspects of life insurance applications.
• Determine whether to accept, modify, or decline a risk based on medical, occupational, and financial factors.
• Deliver the best offer first to drive sales and decisions.
• Provide consultations to third-party firms regarding risk-related questions.
• Explain underwriting decisions clearly to customers and advisors.
• Understand underwriting policies, guidelines, and procedures.

Skills

Risk assessment

Analytical thinking

Communication

Team collaboration

Self-motivation

Data-driven decisions

Education

FMLI

FALU

CLU

ChFC

Job description

The Opportunity

At MassMutual, we're transforming the future of life insurance underwriting through innovation, technology, and an unwavering commitment to delivering exceptional experiences for our customers and advisors. As an Underwriter Consultant, you will play a critical role in evaluating complex life insurance risks, making sound mortality and financial assessments, and partnering with distribution and account management teams to deliver first-offer, best-offer outcomes. This is an opportunity to leverage your expertise while influencing underwriting strategy, supporting field partners, and helping families secure their financial futures.

Joining our team means becoming part of a collaborative, high-performing organization that values continuous learning, professional growth, and operational excellence. You'll work alongside experienced underwriting professionals, contribute to key strategic initiatives, mentor emerging talent, and help shape the evolution of underwriting through digital transformation and advanced decision-making tools. If you are a customer-focused underwriting leader who thrives in a fast-paced environment and is passionate about balancing risk management with an outstanding customer experience, we invite you to bring your talents to MassMutual and help us continue our mission of helping people protect the ones they love.

The Team

The team here at MassMutual is composed of experienced underwriters supporting ourMassMutualFinancial Advisors (MMFA) andMassMutual Strategic Distributor (MMSD) channels.Theseorganizationsprovidea variety of customer, advisor, and risk management services.The team culture is collaborative, cross-functional, and uses old andnew technologies.

The Impact

• Evaluate and handle all underwriting aspects of formal & informal life insurance applications

• Determinewhether to accept,modify, or decline a risk through evaluation of an individual's medical history or physical condition, occupational hazard, and financial background.

• Deliver the best offer first to drive the sale and notjusta decision.

• Provide efficient, quality service to third party firms, their staff and their advisors.

• Communicate effectively with customers to explain underwriting decisions andfacilitateplacement of business.

• Understand underwriting policies, guidelines, practices,and procedures.

• Influence and champion changes to improve processes whilemaintainingmortality expectations.

• Tailor communication style to fit a variety of target audiences,i.e.agencyandnew business personnel. Fosterrelationships with advisors andbrokeragepartners.

• Provide consultations with third party firms to resolverate-relatedquestions and discrepancies or risk-related concerns.

The Minimum Qualifications:

• High school diploma or GED.

• 5+ years life insurance underwriting experience.

• $5+million life insurance underwriting authority.

The Ideal Qualifications:

• 10+ years underwriting experience.

• $10+ million dollar life insurance underwriting authority.

• Expert knowledge of all aspects of riskselection(medical, non-medical, financial).

• Mastery of key underwriting concepts, best practices, and procedures including identifying exposures to loss, material hazards, and implementation of necessary risk management controls.

• Strong knowledge of UW administrative systems, product rules, Underwriting Guidelines and medical factorsimpactingmortality and the keen ability to position withagents,brokers,and sales partners.

• Experience underwriting both term and permanent life insurance.

• Agency, brokeragedistribution,banksor wire house underwriting experience.

• Reinsurance experience.

• Industry designations: FMLI, FALU, CLU,ChFC, etc.

• Demonstratedtrack recordof working with minimal supervision, being a self-starter,and working with others in a team environment.

• Ability to think critically, problem solve using data to drive toward resolution.

• Positive, inclusive, agile, and collaborative mindset.

• Strong verbal and written communication skills.

What You Can Expect at MassMutual:

MassMutual offers the opportunity to do meaningful work within a purpose-driven organization that values long-term impact over short-term outcomes. In this role, you can expect:

Clear areas of ownership and accountability, with work that connects directly to company and customer outcomes

A collaborative environment where perspectives are welcomed

Access to learning, development, and internal networks that support continuous growth and skill-building over time

Employee-led communities and forums that foster connection, learning, and inclusion across the organization

A culture grounded in integrity, responsibility, and stewardship—supported by a company with a strong legacy and a future-focusedmindset

#LI-SB1

MassMutual is an equal employment opportunity employer.

California residents: For detailed information about your rights under the California Consumer Privacy Act (CCPA), please visit our California Consumer Privacy Act Disclosures page.