Underwriting Consultant

MassMutual; Springfield (MA); On-site; USD 13,000 - 122,000; Full time

Job summary

MassMutual is seeking an experienced Individual Disability Income (DI) Underwriter who can underwrite complex DI cases end‑to‑end, partnering with the field while maintaining independence to make sound decisions. The role emphasizes strong underwriting fundamentals, collaboration with MMFA distribution, and mentoring junior underwriters.

The team supports career agents and brokers across the MassMutual network, with a focus on sound risk assessment and service excellence.

Qualifications

• 5+ years of underwriting individual disability insurance.
• Approval authority of $15K+ in IDI underwriting.
• Exams towards industry designations (DIA/DIF, AALU/FALU, FMLI, etc.).

Responsibilities

• Underwrite complex DI cases end-to-end with sound judgment.
• Serve as product and underwriting SME through field training and partner education.
• Deliver competitive underwriting decisions that balance profitability and placement.
• Provide exceptional service and consultation to agents, brokers, field office staff, and business partners on underwriting and risk matters.
• Communicate underwriting decisions clearly to support customer understanding and business outcomes.
• Mentor and coach less experienced underwriters and guide on complex issues.
• Influence process improvements and support operational excellence.

Skills

Underwriting

Communication

Education

Bachelor’s degree

Job description

The Opportunity:

This role is designed for an experienced Individual Disability Income (DI) Underwriter who 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‑focused mindset

Salary Range:

$92,800-$121,800

Why Join Us.

We’ve been around since 1851. During our history, we’ve learned a few things about making sure our customers are our top priority. In order to meet and exceed their expectations, we must have the best people providing the best thinking, products and services. To accomplish this, we celebrate an inclusive, vibrant and diverse culture that encourages growth, openness and opportunities for everyone. A career with MassMutual means you will be part of a strong, stable and ethical business with industry leading pay and benefits. And your voice will always be heard.

We help people secure their future and protect the ones they love. As a company owned by our policyowners, we are defined by mutuality and our vision to put customers first. It’s more than our company structure – it’s our way of life. We are a company of people protecting people. Our company exists because people are willing to share risk and resources, and rely on each other when it counts. At MassMutual, we Live Mutual.

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

If you need an accommodation to complete the application process, please contact us and share the specifics of the assistance you need.

At MassMutual, we focus on ensuring fair, equitable pay by providing competitive salaries, along with incentive and bonus opportunities for all employees. Your total compensation package includes either a bonus target or in a sales‑focused role a Variable Incentive Compensation component. For more information about our extensive benefits offerings please check out our Total Rewards at a Glance.