MassMutual Insurance Underwriter Consultant - Advanced 100% Remote in Jefferson City, Missouri
THIS POSITION IS 100% REMOTE / VIRTUAL
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.
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
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
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
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.
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