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MassMutual Lead Technical Underwriter-Individual Life, DI & LTC - REMOTE in Boston, Massachusetts

The Life Underwriting and Digital Operations Technical Underwriting Consultant will support the Office of the Head Life Underwriter (OOHU) within Digital Operations Team by demonstrating accountability, agility, a dedication to being inclusive, a strong business acumen, and will show courage, even in the most difficult situations. We also value strong communication skills, a passion for learning, leadership traits, resilience and self-awareness. We are Digital Operations, established in the MassMutual Enterprise Technology Experience (ETX) organization. The successful candidate will be able to:

  • Demonstrate a strong understanding of our underwriting policies, guidelines, practices and procedures and a willingness to champion changes to improve processes while maintaining mortality expectations.

  • Have a strong working knowledge of reinsurance, the regulatory environment, compliance, claims reviews, product development and the maintenance of MassMutual’s non-medical underwriting manual.

  • Provide technical expertise for the department in all areas of medical and non-medical underwriting. This could be on individual cases or in monitoring trends at MassMutual and in the industry.

  • Develop new and competitive underwriting guidelines with research, documentation, marketing and presentations.

  • Think critically and problem solve using data to drive toward resolution.

Role Characteristics & Responsibilities


  • Working with our actuaries on reinsurance treaties

  • Working with reinsurers on complex individual cases.

  • Meeting with reinsurers during audits and/or other visits.

  • Represent the department for our reinsurance administration area which will include the process of maintaining control over proper limits and cessions with regard to individual treaties and cases.

  • Auditing: This individual will be responsible for auditing higher face amount (jumbo) cases.

Compliance :

  • Responsibility for making sure that we are compliant with all MassMutual as well as any state or Federal legal obligations in the underwriting area.

Claims reviews :

  • Review large face amount and contestable claims.

  • Provide recommendations based on those reviews.

  • Point of contact for any other claims concerns or issues that may require underwriting expertise.

Product Development :

  • Department contact on new product development and will need to communicate any and all new product initiatives/changes to the department.

Additional Support

  • Provide support with other work items as assigned by Head Life Underwriter, i.e. guideline reviews, training and overall risk oversight and governance, working closely with Head Underwriter.

  • Interpret large sets of data and effectively communicate data trends.

  • Consults with stakeholders on core issues and watch list items openly share knowledge, information and feedback, collaborating to identify solutions and supporting team success.

  • Lean into new challenges as they arise. Be comfortable with ambiguity.

  • Handles projects with a sense of urgency based on business prioritization

  • Distill information into concise summaries and tools for diverse internal audiences

Required Qualifications

  • 10+ years of relevant work experience in Life Insurance Underwriting

  • Minimum $10+ million life approval limit without second sign

  • Mastery knowledge of individual life insurance practices, underwriting standards and operations

  • Confident communicator with strong written and verbal communication skills

  • Be able to think strategically and influence others

  • Ability to partner with key constituents to support strategic and tactical development

  • A demonstrated track record of consistently meeting and/or exceeding performance expectations

  • Intrapreneur mindset – you drive your business forward with latitude for independent decision making

  • Proficient with Microsoft Office Suite and data visualization tools (ex Tableau)

Preferred Qualifications

Bachelors Degree

Industry designations/education (FALU, FLMI, CLU) preferred

Salary Range: $140-150k base salary and additional bonuses, pension and 401k


MassMutual is an Equal Employment Opportunity employer Minority/Female/Sexual Orientation/Gender Identity/Individual with Disability/Protected Veteran. We welcome all persons to apply. Note: Veterans are welcome to apply, regardless of their discharge status.

If you need an accommodation to complete the application process, please contact us (talentacquisition@massmutual.com) and share the specifics of the assistance you need.