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SalaryJob Description
Do you want to be part of a team that encourages your growth, supports your ambitions and makes it a priority for you to reach your goals? Is helping people part of who you are? At MassMutual, we help millions of people find financial freedom, offer financial protection and plan for their future. We do this by building trust with our customers by being knowledgeable problem solvers and prioritizing their needs above all else. We Live Mutual.
*THIS POSITION IS 100% REMOTE / VIRTUAL* Work from home anywhere in the United States
We are seeking a Disability Underwriting Consultant to join our team! You will be responsible for working with our customers and agents and brokers during the individual disability income insurance sales and service process.
Why This Opportunity?
- Opportunity to be a part of a dynamic team that is helping more Americans protect the ones they love
- Highly competitive pay & benefits on the first day
- 100% remote available, work from home anywhere in the US
Meet the Team
It is an exciting time in Underwriting at MassMutual! MassMutual is going through a digital transformation while continuing to be a leading customer-centric company. The team is composed of underwriters supporting our MassMutual Financial Advisors (MMFA) distribution channel. We support MassMutual career agents, individual brokers and the consumers they serve. The team culture is collaborative, cross-functional, and uses old and new technologies combined with a work/life balance.
The Impact
This is a remote position. The successful candidate will be tasked with underwriting Disability Insurance in a fast-paced diverse work environment that is inclusive and values different experiences, backgrounds and knowledge.
Roles and Responsibilities
- Evaluate and handle all underwriting aspects of Disability 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, considering the total case.
- Deliver the best offers first, to drive the sale rather than just making a decision.
- Provide efficient, quality service to our MMFA agents, brokers and field office staff. 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 morbidity expectations.
- Tailor communication style to fit a variety of target audiences and foster relationships with agents, brokers and field office staff.
- Collaborate effectively with stakeholders to gather information necessary for decision-making and to select profitable risks.
- Provide consultations with agents, brokers and field office staff on risk-related concerns.
- Leverage interpersonal and emotional intelligence skills to develop relationships with key business partners across this competitive landscape, which can be relied on to inform and communicate underwriting decisions.
- Work independently with minimal direction and be comfortable with ambiguity.
- Build trust and foster strong rapport with colleagues, business partners, and the field.
- Coach and mentor less experienced underwriters
The Minimum Qualifications
- High school diploma or GED
- 3+ years of proven success underwriting Disability Insurance in a fast-paced work environment
- $10K approval authority in Disability Insurance underwriting
- 3+ years experience in all aspects of risk selection (medical, non-medical, financial)
The Ideal Qualifications
- Bachelor’s degree
- 7+ years proven success underwriting Disability Insurance in a fast-paced work environment
- Approval limits of $15K+ IDI, $20K+ BOE, $500+ Buy Sell without a second signature
- Exams completed toward industry designations i.e., DIA/DIF, AALU/FALU, FMLI, etc.
- Excellent understanding of key underwriting concepts, best practices and in the implementation of necessary risk management controls
- Advanced knowledge of underwriting administrative systems, product rules, guidelines and medical factors impacting morbidity with a keen ability to position with the field
- 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
What to Expect as Part of MassMutual and the Team
- Regular meetings with the Head of the Large Case Unit, and the Senior Director of Society, including focused one-on-one meetings.
- 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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#LI-Remote
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.If you need an accommodation to complete the application process, please contact us and share the specifics of the assistance you need.
