Life Underwriting Consultant - 100% remote US
Company: MassMutual Financial Group
Location: Austin
Posted on: January 24, 2023
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Job 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 the future. We do this by building trust
with our customers by being knowledgeable problem solvers and
prioritize their needs above all else. We Live Mutual.
Description
Life Underwriting Consultant (all levels)
As you've seen and heard, at MassMutual we continue to invest in
data science and technology while internally developing
Underwriting talent and acquiring talent externally. Why? To not
only staff for growth, yet service and life/work balance - it is
what our distribution partners (direct, advisor, broker, money
managers) and their clients we serve deserve!
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 professional 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 the future. We do this by
building trust with our customers by being knowledgeable problem
solvers and prioritize their needs above all else. We Live
Mutual.
* Are you a Life Underwriter with 2+ years of experience and a
minimum of $1-3 million of authority?
* Do you want to join on of the life industries financially strong
and single constituency focus (Mutual Life Insurer) carriers in the
industry?
* A life carrier that uses technology, data science and algorithms
to augment the underwriters critical thinking skills (not replace
them)?
* A dynamic and growing team at a Top 3 life insurer and fortune
100 company with diverse Permanent and Term insurance
offerings?
If yes, we are looking for you to join our digital team!
We are seeking a virtual Life Insurance Underwriter to join our
team at all levels (Core, Advanced, Mastery)! You will be
responsible for delighting our customers and advisors during the
individual life (Term and WL) insurance sales and service
process.
Why this opportunity:
* Opportunity to be a part of an extensive virtual team that is
helping more Americans protect the ones they love in a digital
way
* Highly competitive pay & benefits on the first day!
* 100% remote, work from home anywhere in the US
* Cohort-based onboarding and training program
* Monday through Friday 40-hour work week; standard business hours,
i.e. 8-hour shift anywhere between 8am-8pm EST with OT options
available
* Note: Part Time for the right candidates are also an option
Meet the Team - Underwriting
It is an exciting time at MassMutual! MassMutual is going through
both a digital transformation and expansion into new and exciting
distribution from direct, advisor sold, advisor assisted, brokerage
and wealth management. The team is composed of underwriters
supported by Underwriter Case Specialists. The team culture is
collaborative, cross-functional, and uses old and new technologies
combined with the work/life balance.
Job Description
We are looking for a virtual 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.
Role and Responsibilities
* 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, which can be relied on to inform decisions
and communicate underwriting decisions
* 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
Required Qualifications
* High school diploma or GED
* Proven success of underwriting in a fast-paced work
environment
* Over $1M life approval authority
* Demonstrated knowledge of all aspects of risk selection (medical,
non-medical, financial)
* Experience with behavioral interview techniques and/or data
science model tools to arrive at the best offer first in a third
party underwriting 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
Preferred Qualifications
* Bachelor's degree
* Minimum of 2 years life underwriting experience
* Minimum $1-3 million life approval limit
* Term and permanent life insurance underwriting
* Knowledge of disability underwriting a plus!
* Reinsurance experience
* Industry exams completed, i.e. ALU 101, 201, 202, LOMA, ALMI,
FMLI, ALU, FALU
#LI-JA1
Salary range $75,000 - $130,000 *commensurate with experience*
Why Join Us.
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 MassMutual 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 policyowners, 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
MassMutual, we Live Mutual.
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.
Keywords: MassMutual Financial Group, Austin , Life Underwriting Consultant - 100% remote US, Other , Austin, Texas
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