Underwriting Consultant

2 weeks ago


Hartford, Connecticut, United States MassMutual Full time
The Opportunity

As an Underwriting Consultant - Advanced on MassMutual's Accelerated Underwriting Team, you will be part of a dynamic group of underwriters dedicated to delivering quality fluidless underwriting decisions within expected time standards. This is a fast-paced diverse work environment that values different experiences, backgrounds, and knowledge.

The Team

The Accelerated Underwriting Team consists of underwriters specializing in cases trending towards a fluidless underwriting outcome. This includes a diverse mix of both early-career and seasoned professionals, collectively contributing to the team's success. The accelerated underwriting challenge demands a blend of analytical thinking, adaptability, and collaboration.

The Impact

  • Evaluate and handle all underwriting aspects of formal life insurance applications
  • Understand underwriting policies, guidelines, practices, and procedures
  • Determine fluidless eligibility and make decisions based on an individual's medical history, physical condition, occupational hazard, and financial background
  • Deliver the best offer first to drive the sale and not only a decision
  • Communicate effectively with customers to explain underwriting decisions and facilitate placement of business
  • Train, mentor, and/or co-sign less-experienced underwriters
  • Influence and champion changes to improve processes while maintaining mortality expectations
  • Ability to tailor communication style to fit the target audience
  • Collaborate effectively with stakeholders to gather information necessary for decision making and to select profitable risks
  • Leverage interpersonal and emotional intelligence skills to develop relationships with key internal and external customers

Minimum Qualifications

  • A high school diploma/GED
  • 4+ years of prior total life insurance underwriting experience with a granted approval authority
  • 2+ years of accelerated (fluidless) underwriting experience

Preferred Qualifications

  • 4-year college degree
  • Existing approval authority of $3 million or greater
  • Prior successful experience in mentoring, training, and co-signing for others
  • Industry exams, training, and designations (i.e. ACS, ALMI, FLMI, FALU)
  • Knowledge of fluidless and non-fluidless underwriting, including an understanding of the roles of underwriting rules, data models, and algorithmic underwriting
  • Demonstrated knowledge of underwriting concepts as well as medical, non-medical, and financial risks
  • Ability to work in a fast-paced environment; ability to multi-task
  • Flexibility to handle changing priorities
  • Familiarity with technology tools and digital acumen
  • Ability to think critically and problem solve using data to drive toward resolution

What to Expect as Part of MassMutual and the Team

  • Regular meetings with the Accelerated Underwriting team
  • Focused one-on-one meetings with your manager
  • Access to mentorship opportunities
  • Networking opportunities including access to Asian, Hispanic/Latinx, African American, women, LGBTQ, veteran, and disability-focused Business Resource Groups
  • Access to learning content on Degreed and other informational platforms
  • Your ethics and integrity will be valued by a company with a strong and stable ethical business with industry-leading pay and benefits


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