Underwriter - Disability Insurance

Overview

Do you want to be part of a team that encourages your growth, supports your ambitions and makes it a priority for you to reach your goals? Is helping people part of who you are? At MassMutual, we help millions of people find financial freedom, offer financial protection and plan for the future. We do this by building trust with our customers by being knowledgeable problem solvers and by prioritizing their needs above all else. We Live Mutual.

POSITION IS 100% REMOTE/VIRTUAL Work from home anywhere in the United States

We are seeking a DI Underwriter to join our team! You will be responsible for working with our customers, agents and brokers during the individual disability income insurance sales and service process.

The Opportunity

  • Become a part of a dynamic team that is helping Americans protect the ones they love
  • Highly competitive pay & benefits on the first day
  • 100% remote/virtual position - work from home anywhere in the US

The Team

It is an exciting time to be and underwriter at MassMutual! 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 a work/life balance.

The Impact

We are looking for the right candidate to join our team. The chosen candidate will be tasked with developing the skills needed to underwrite disability insurance in a fast-paced diverse work environment that is inclusive and values different experiences, backgrounds and knowledge.

Roles and Responsibilities

  • Evaluate and handle all underwriting aspects of disability insurance applications.
  • Understand underwriting policies, guidelines, practices, and procedures.
  • Determine whether to accept, modify, or decline a risk through evaluation of an individual\\\'s risk profile including medical history, occupational hazards, financial background, etc.
  • Build trust by providing efficient, quality service to our MMFA agents, brokers, and field office staff.
  • Communicate effectively with the field to explain underwriting decisions and facilitate placement of business.
  • Tailor communication style to fit a variety of target audiences, foster relationships and facilitate placement of business.
  • Collaborate with stakeholders to gather information necessary for decision-making and selecting profitable risks.
  • Influence and champion changes to improve processes while maintaining morbidity expectations.
  • Leverage interpersonal and emotional intelligence skills to develop relationships with key business partners across the competitive landscape.
  • Work independently with minimal direction and be comfortable with ambiguity.

The Minimum Qualifications

  • High school diploma or GED
  • 3+ years of proven success underwriting disability insurance in a fast-paced work environment.
  • $7K+ approval authority in disability insurance underwriting.

The Preferred Qualifications

  • Bachelor’s degree
  • 5 Years+ of proven success underwriting individual disability insurance in a fast-paced work environment
  • Approval limits of $10K+ IDI, $15K+ BOE, $250K+ Buy/Sell without a second signature
  • Exams completed toward industry designations i.e., DIA/DIF, AALU/FALU, FLMI, etc.
  • Thorough knowledge of all aspects of risk selection (medical, non-medical, financial).
  • Excellent understanding of key underwriting concepts, best practices and in the implementation of necessary risk management controls
  • Thorough knowledge of underwriting administrative systems, product rules, guidelines and medical factors impacting morbidity with a keen ability to position the underwriting decision to the field
  • Ability to think critically and problem solve using data to drive toward resolution
  • Technological/digital savvy with high intellectual curiosity
  • Demonstrated track record of working with minimal supervision, being a self-starter and working with others in a team environment
  • Proven customer service and communication skills
  • Positive, inclusive, agile, and collaborative mindset
  • Strong verbal and written communication skills
  • Flexibility to handle changing priorities
  • Collaborative team player with the ability to contribute to a positive work environment.

What to Expect as Part of MassMutual and the Team

  • Regular meetings with the DI Underwriting Team
  • Focused one-on-one meetings with your manager
  • Networking opportunities including access to Asian, Hispanic/Latinx, African American, women, LGBTQ, veteran and disability-focused Business Resource Groups
  • Access to learning content on Degreed and other informational platforms
  • Your ethics and integrity will be valued by a company with a strong and stable ethical business with industry leading pay and benefits

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.

#J-18808-Ljbffr Salary: USD 72000 - 108000 per year Experience: 3 years required
Back to blog

Common Interview Questions And Answers

1. HOW DO YOU PLAN YOUR DAY?

This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

2. HOW DO YOU USE THE DIFFERENT COMMUNICATION TOOLS IN DIFFERENT SITUATIONS?

When you're working on a remote team, there's no way to chat in the hallway between meetings or catch up on the latest project during an office carpool. Therefore, virtual communication will be absolutely essential to get your work done...

3. WHAT IS "WORKING REMOTE" REALLY FOR YOU?

Many people want to work remotely because of the flexibility it allows. You can work anywhere and at any time of the day...

4. WHAT DO YOU NEED IN YOUR PHYSICAL WORKSPACE TO SUCCEED IN YOUR WORK?

With this question, companies are looking to see what equipment they may need to provide you with and to verify how aware you are of what remote working could mean for you physically and logistically...

5. HOW DO YOU PROCESS INFORMATION?

Several years ago, I was working in a team to plan a big event. My supervisor made us all work as a team before the big day. One of our activities has been to find out how each of us processes information...

6. HOW DO YOU MANAGE THE CALENDAR AND THE PROGRAM? WHICH APPLICATIONS / SYSTEM DO YOU USE?

Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

7. HOW DO YOU ORGANIZE FILES, LINKS, AND TABS ON YOUR COMPUTER?

Just like your schedule, how you track files and other information is very important. After all, everything is digital!...

8. HOW TO PRIORITIZE WORK?

The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

9. HOW DO YOU PREPARE FOR A MEETING AND PREPARE A MEETING? WHAT DO YOU SEE HAPPENING DURING THE MEETING?

Just as communication is essential when working remotely, so is organization. Because you won't have those opportunities in the elevator or a casual conversation in the lunchroom, you should take advantage of the little time you have in a video or phone conference...

10. HOW DO YOU USE TECHNOLOGY ON A DAILY BASIS, IN YOUR WORK AND FOR YOUR PLEASURE?

This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...