Evaluate and handle all underwriting aspects of disability insurance applications.
Understand underwriting policies, guidelines, practices, and procedures.
Determine whether to accept, modify, or decline a risk through evaluation of an individual's risk profile including medical history, occupational hazards, financial background, etc.
Build trust by providing efficient, quality service to our MMFA agents, brokers, and field office staff.
Communicate effectively with the field to explain underwriting decisions and facilitate placement of business.
Tailor communication style to fit a variety of target audiences, foster relationships and facilitate placement of business.
Collaborate with stakeholders to gather information necessary for decision-making and selecting profitable risks.
Influence and champion changes to improve processes while maintaining morbidity expectations.
Leverage interpersonal and emotional intelligence skills to develop relationships with key business partners across the competitive landscape.
Work independently with minimal direction and be comfortable with ambiguity.
Minimum Qualifications
High school diploma or GED
5+ years of proven success underwriting disability insurance in a fast-paced work environment.
7K+ approval authority in disability insurance underwriting.
Preferred Qualifications
Bachelor’s degree
7+ of proven success underwriting individual disability insurance in a fast-paced work environment
Approval limits of $10K+ IDI, $15K+ BOE, $250K+ Buy / Sell without a second signature
Exams completed toward industry designations i.e., DIA / DIF, AALU / FALU, FLMI, etc.
Thorough knowledge of all aspects of risk selection (medical, non-medical, financial).
Excellent understanding of key underwriting concepts, best practices and in the implementation of necessary risk management controls
Thorough knowledge of underwriting administrative systems, product rules, guidelines and medical factors impacting morbidity with a keen ability to position the underwriting decision to the field
Ability to think critically and problem solve using data to drive toward resolution
Technological / digital savvy with high intellectual curiosity
Demonstrated track record of working with minimal supervision, being a self-starter and working with others in a team environment
Proven customer service and communication skills
Positive, inclusive, agile, and collaborative mindset
Strong verbal and written communication skills
Flexibility to handle changing priorities
Collaborative team player with ability to contribute to a positive work environment
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Salary Range :
84,100.00-$110,300.00
At MassMutual, 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.