LTC Actuary- "Inforce Management

Overview

The Opportunity Mass Mutual is looking for an experienced actuary to join our LTC Inforce Management team. In this role, you’ll help shape strategy and financial performance for our long-term care (LTC) products, collaborating across actuarial, finance, product, and regulatory teams to ensure our inforce management approach supports Mass Mutual’s long-term goals.

You’ll join a group responsible for the actuarial oversight of our individual stand‑alone LTC products and hybrid LTC riders. The team drives key inforce management activities, including repricing, regulatory testing and filings, dividend analysis, wellness program evaluation, and other strategic initiatives that enhance financial outcomes and customer value.

In this role, you’ll help guide the financial health and long‑term performance of Mass Mutual’s LTC products. You’ll blend actuarial expertise with strategic thinking—analyzing data, navigating regulatory requirements, identifying risks, and offering insights that shape product decisions and support our customers. Your work will directly influence pricing, compliance, wellness programs, and broader inforce initiatives across the organization. Your responsibilities will include but not be limited to the following:

• Support regulatory requirements such as annual rate certifications and illustration testing
• Contribute to annual LTC dividend analysis
• Oversee and analyze LTC wellness program results, providing insights and recommendations
• Identify inherent product risks and develop strategies to manage and mitigate those risks
• Perform sensitivity analyses on key assumptions and explain implications to stakeholders
• Extract meaningful insights from data/models and present complex information clearly
• Partner with the broader Profitability Management & Strategy team on cross‑functional initiatives
• Support additional LTC inforce and strategic initiatives as needed
• Promote continuous improvement by challenging existing processes, offering new perspectives, and championing innovation

• Bachelor’s degree in Actuarial Science or related field
• Associate of the Society of Actuaries (ASA)
• 5+ years of actuarial experience
• 1+ year of life or health insurance experience

• Fellow of the Society of Actuaries (FSA) and MAAA
• Experience with LTC products
• Qualification to sign actuarial opinions for LTC, disability income, chronic illness, or accident products
• Experience with state filings, rate filings, and regulatory responses
• Strong communication skills and ability to work with technical and non‑technical partners
• Demonstrated analytical thinking, problem‑solving ability, and comfort navigating complexity
• Self‑motivated, curious, and proactive in exploring solutions and driving improved outcomes

Salary Range: $144,800-$190,000

At Mass Mutual, we focus on ensuring fair equitable pay, by providing competitive salaries, along with incentive and bonus opportunities for all employees. Your total compensation package includes either a bonus target or in a sales-focused role a Variable Incentive Compensation component.

We’ve been around since 1851. During our history, we’ve learned a few things about making sure our customers are our top priority. In order to meet and exceed their expectations, we must have the best people providing the best thinking, products and services. To accomplish this, we celebrate an inclusive, vibrant and diverse culture that encourages growth, openness and opportunities for everyone.

A career with Mass Mutual means you will be part of a strong, stable and ethical business with industry leading pay and benefits. And your voice will always be heard.

We help people secure their future and protect the ones they love. As a company owned by our policy owners, we are defined by mutuality and our vision to put customers first. It’s more than our company structure – it’s our way of life. We are a company of people protecting people. Our company exists because people are willing to share risk and resources, and rely on each other when it counts.

At Mass Mutual, we Live Mutual.

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.

At Mass Mutual, we focus on ensuring fair, equitable pay by providing competitive salaries, along with incentive and bonus opportunities for all employees. Your total compensation package includes either a bonus target or in a sales-focused role a Variable Incentive Compensation component. For more information about our extensive benefits offerings please check out our Total Rewards at a Glance.