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MassMutual Insurance Underwriter Consultant - Advanced 100% Remote in Jefferson City, Missouri


Work from home anywhere in the United States

We are seeking a virtual Life Insurance Underwriter to join our team! You will be responsible for delighting our customers and advisors during the individual life (Term and WL) insurance sales and service process.

Why this opportunity:

  • Opportunity to be a part of an extensive virtual team that is helping more Americans protect the ones they love in a digital way

  • Highly competitive pay & benefits on the first day!

  • 100% remote, work from home anywhere in the US

  • Cohort-based onboarding and training program

  • Monday through Friday 40-hour work week; standard business hours, i.e. 8-hour shift anywhere between 8am-8pm EST with OT options available

Meet the Team – Underwriting

It is an exciting time at MassMutual! MassMutual is going through a digital transformation, continuing to be a leading customer-centric company. The team is composed of underwriters supporting our MassMutual Strategic Distributor (MMSD) channel. This includes the initial development and growth of the MMSD channel, as well as the transition to a new digital operating platform within the first 2 years.

Digital Operations MMSD is an organization providing a variety of customer, advisor, and risk management services (suitability, underwriting and claims adjudication). We support Third Party Distribution and the consumers they serve.

The team culture is collaborative, cross-functional, and uses old and new technologies combined with the work/life balance.

Job Description

We are looking for a virtual Underwriter to join our team, tasked with underwriting life insurance in a fast-paced diverse work environment that is inclusive and values different experiences, backgrounds, and knowledge.

Role and Responsibilities

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

  • Determine whether 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 not only a decision.

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

  • Communicate effectively with customers to explain underwriting decisions and facilitate placement of business

  • Understand underwriting policies, guidelines, practices and procedures

  • Influence and champion changes to improve processes while maintaining mortality expectations

  • Tailor communication style to fit a variety of target audiences, i.e. agency, new business personnel and foster relationships with advisors and third party partners

  • Collaborate effectively with stakeholders to gather information necessary for decision making and to select profitable risks

  • Provide consultations with third party firms to resolve, rate questions and discrepancies, or risk related concerns. Consider total case financials, relationship and value of customer

  • Leverage interpersonal and emotional intelligence skills to develop relationships with key business partners across this competitive landscape, which can be relied on to inform decisions and communicate underwriting decisions

  • Able to independently work assigned requests with minimal direction. Comfortable with ambiguity.

  • Build trust and foster strong rapport with colleagues, business partners, and third party customers

Required Qualifications

  • High school diploma or GED

  • Proven success of underwriting in a fast-paced work environment

  • Over $1M approval authority

  • Life insurance underwriting experience

  • Demonstrated knowledge of all aspects of risk selection (medical, non-medical, financial)

  • Experience with behavioral interview techniques and/or data science model tools to arrive at the best offer first in a third party underwriting 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

Preferred Qualifications

  • Bachelors degree

  • Minimum of 5 years underwriting experience (most current 2+ years on life insurance)

  • Minimum $3-5 million life approval limit without second sign (all ratings, ages)

  • Term and permanent life insurance underwriting

  • Knowledge of disability underwriting

  • Third party distribution, banks or wire house underwriting experiences

  • Reinsurance experience

  • Industry exams completed, i.e. ALU 101, 201, 202, LOMA, ALMI, FMLI, ALU, FALU


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.