The Opportunity

As an Underwriting Consultant - Core on MassMutual's Accelerated Underwriting Team, you will be part of a dynamic group of underwriters dedicated to fulfilling the commitment of MassMutual's accelerated (fluidless) underwriting strategy. This is a fast-paced diverse work environment that is inclusive and values different experiences, backgrounds, and knowledge. You will be immersed in a team with a primary focus on delivering quality fluidless underwriting decisions within expected time standards.

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, involving decisions with limited information, demands a blend of analytical thinking, adaptability, and collaboration. The team will also play an important role in supporting the regional core teams, ensuring a smooth transition for cases determined to be not eligible for fluidless processing. You will work toward a "best offer first" mentality, and a collaborative, customer-focused mindset. Additionally, you will be given opportunities to underwrite non-accelerated business as well in order to continue to grow your skills.

• Evaluate and handle all underwriting aspects of formal life insurance applications
• Understand underwriting policies, guidelines, practices and procedures
• Determine fluidless eligibility, as well as 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
• Communicate effectively with customers to explain underwriting decisions and facilitate placement of business
• 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

• A high school diploma/GED
• 1+ years of prior life insurance underwriting experience with a granted approval authority

• 4-year college degree
• Existing approval authority of $1 million or greater
• 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
• Solid understanding 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

• 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