Underwriting Consultant

Overview

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

We are seeking virtual Life Insurance Underwriters 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.

Mass Mutual is going through a digital transformation and remains a leading customer-centric company. The team is composed of underwriters supporting our Mass Mutual Financial Advisors (MMFA) channel. MMFA Underwriting provides customer, advisor, and risk management services (suitability, underwriting and claims adjudication). The team culture is collaborative, cross-functional, and uses a mix of old and new technologies with a focus on work/life balance.

We are looking for a virtual Life 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.

• 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
• 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
• 3+ years life insurance underwriting experience
• Minimum established life insurance underwriting authority limit of $3 million
• 3+ years of expert knowledge of all aspects of risk selection (medical, non-medical, financial)
• 3+ years of knowledge of key underwriting concepts, best practices, and procedures including identifying exposures to loss, material hazards, and implementation of necessary risk management controls
• 3+ year knowledge of UW administrative systems, product rules, Underwriting Guidelines and medical factors impacting mortality and the keen ability to position with brokers and sales partners

• 5+ years underwriting experience with up to $5M life approval limit (most current 3+ years in life insurance)
• Industry exams completed, i.e. FLMI, FALU, CLU, ChFC
• Term and permanent life insurance underwriting
• Third party distribution, banks or wire house underwriting experiences
• Reinsurance experience
• Demonstrated track record of working with minimal supervision, being a self-starter and working with others in a team 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

Mass Mutual 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.

• Mid-Senior level

• Full-time

• Finance and Sales

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