Underwriting Consultant

MassMutual; Milwaukee (WI); On-site; USD 15,000 - 750,000; Full time

Job summary

MassMutual is seeking an experienced Individual Disability Income Underwriter to underwrite complex DI cases end-to-end, partnering with the field while maintaining independence to make sound decisions. The role blends fast-paced work with solid underwriting fundamentals, offering autonomy and trust in your expertise.

You will mentor junior underwriters, support field partners, and contribute to process improvements while delivering high-quality service to agents, brokers, and customers within a

Qualifications

• High School Diploma or GED.
• 5+ years of underwriting individual disability insurance.
• $15K+ approval authority in individual disability insurance underwriting.

Responsibilities

• Serve as a product and underwriting subject matter expert through field training, industry events, conferences, and ongoing partner education.
• Deliver competitive underwriting decisions that prioritize business placement while maintaining profitability and morbidity expectations.
• Provide exceptional service and consultation to agents, brokers, field office staff, and business partners on underwriting and risk related matters.
• Communicate underwriting decisions clearly and effectively to support customer understanding and business outcomes.
• Apply strong underwriting expertise to assess risks, gather relevant information, and make sound decisions, even in complex or ambiguous situations.
• Build and maintain trusted relationships with internal and external stakeholders through effective communication, collaboration, and emotional intelligence.
• Drive continuous improvement by influencing process enhancements, championing change, and supporting operational excellence.
• Mentor and coach less experienced underwriters while providing technical guidance on complex underwriting and customer service issues.

Skills

Underwriting

Decision making

Communication

Education

Bachelor’s degree

Job description

The Opportunity:

This role is designed for an experiencedIndividual Disability Income (DI) Underwriterwho understands the value of sound judgment, decision‑making authority, and meaningful work. You’ll underwrite complex DI cases end‑to‑end, partnering closely with the field while maintaining the independence required to make quality, sound decisions. The work is fast‑paced, varied, and rooted in strong underwriting fundamentals—balanced with real autonomy and trust in your expertise.

The Team:

MassMutual is going through a digital transformation while continuing to be a leading customer-centric company. The team is composed of underwriters supporting our MassMutual Financial Advisors (MMFA) distribution channel. We support MassMutual career agents, individual brokers and the consumers they serve. The team culture is collaborative, cross‑functional, and uses old and new technologies combined with great work/life balance.

The Impact

• Serve as a product and underwriting subject matter expert through field training, industry events, conferences, and ongoing partner education.

• Deliver competitive underwriting decisions that prioritize business placement while maintaining profitability and morbidity expectations.




• Provide exceptional service and consultation to agents, brokers, field office staff, and business partners on underwriting and risk related matters.




• Communicate underwriting decisions clearly and effectively to support customer understanding and business outcomes.




• Apply strong underwriting expertise to assess risks, gather relevant information, and make sound decisions, even in complex or ambiguous situations.




• Build and maintain trusted relationships with internal and external stakeholders through effective communication, collaboration, and emotional intelligence.




• Drive continuous improvement by influencing process enhancements, championing change, and supporting operational excellence.




• Mentor and coach less experienced underwriters while providing technical guidance on complex underwriting and customer service issues.

The Minimum Qualifications:

• High School Diploma or GED

• 5+ years of underwriting individual disability insurance.

• $15K+ approval authority in individual disability insurance underwriting.

The Ideal Qualifications:

• Bachelor’s degree

• 7+ years of underwriting individual disability insurance

• Experience working in a fast‑paced environment

• Approval limits of $20K+ IDI, $50K+ BOE, $750K+ Buy Sell without a second signature

• Exams completed toward industry designations i.e., DIA/DIF, AALU/FALU, FMLI, etc.

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

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MassMutual is an equal employment opportunity employer. We welcome all persons to apply.

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