Location Designation: Hybrid - 3 days per week
** For physicians new to the life insurance industry, this is a full time hybrid position based in our New York City headquarters. Candidates with prior life insurance Medical Director experience may be eligible to work remotely with periodic visits to the Home Office **
Role Overview
We are seeking a physician to join our dynamic and collaborative team of Medical Directors. The successful candidate will possess broad and deep clinical expertise and the ability to apply medical knowledge to accurately assess mortality and morbidity risks associated with complex medical impairments. This individual will demonstrate professionalism, intellectual curiosity, motivation, strong customer service orientation, and excellent communication skills.
As a Medical Director, you will partner closely with underwriting professionals to evaluate insurance risk, provide medical consultation, and contribute to the development of underwriting guidelines. Over time, you will have opportunities to support strategic initiatives that leverage medical expertise to enhance business outcomes, including regulatory and compliance efforts, workflow optimization, and the application of data and analytics.
What You'll Do
- Review and evaluate medical records, laboratory results, ECGs, and other clinical information to assess mortality and morbidity risk for life insurance applicants.
- Partner with Underwriters to determine appropriate risk classifications by applying medical expertise, company guidelines, and market considerations.
- Provide consultative medical support to the Underwriting team and educate colleagues on the impact of medical impairments and emerging clinical developments.
- Contribute to the development, maintenance, and enhancement of medical underwriting guidelines and risk assessment practices.
- Participate in business-focused initiatives that may include regulatory and compliance activities, workflow optimization, automation and AI-enabled solutions, and the use of data analytics to improve risk prediction and decision-making.
What You'll Bring
Required Skills
- Medical degree (MD, DO, or equivalent) and active licensure to practice medicine in a U.S. state.
- Minimum of three years of clinical practice experience with strong diagnostic and clinical assessment skills.
- Demonstrated ability to interpret ECGs, laboratory findings, and complex medical information accurately and efficiently.
- Strong verbal and written communication skills with the ability to explain medical concepts to non-clinical audiences.
- Strong organizational skills, attention to detail, and the ability to manage multiple priorities effectively.
- Proficiency with Microsoft Office applications, including Outlook, Teams, Word, PowerPoint, Excel, and SharePoint, and a commitment to transitioning into a non-clinical role.
Preferred Skills
- Board certification in Internal Medicine or Family Medicine; candidates from other specialties with broad clinical expertise are also encouraged to apply.
- Previous experience as a Medical Director within the life insurance industry.
- Board certification or eligibility in Insurance Medicine.
- Experience supporting process improvement, analytics, automation, AI-enabled initiatives, or other business transformation efforts.
- Occasional travel is required. Physicians who are new to the life insurance industry will be expected to work toward board certification in Insurance Medicine.
#LI - EM1
#LI - HYBRID
Job Level: LEVELPF6
Pay Transparency
Salary Range: $220,000 - $265,000
Overtime eligible: Exempt
Discretionary bonus eligible: Yes
Sales bonus eligible: No
Actual base salary will be determined based on several factors but not limited to individual's experience, skills, qualifications, and job location. Additionally, employees are eligible for an annual discretionary bonus. In addition to base salary, employees may also be eligible to participate in an incentive program.
Our Benefits
We provide a full package of benefits for employees - and have unique offerings for a modern workforce, including leave programs, adoption assistance, and student loan repayment programs. Based on feedback from our employees, we continue to refine and add benefits to our offering, so that you can flourish both inside and outside of work.Click hereto discover more about our comprehensive benefit options or visit our NYL Benefits Site.
Our Commitment to Inclusion
At New York Life, fostering an inclusive workplace is fundamental to who we are and how we serve our communities. We have a longstanding commitment to creating an environment where individuals can contribute their best and succeed together. This foundation is rooted in our core values of humanity and integrity, ensuring that every employee feels valued and supported. By embracing a broad range of perspectives and experiences, we achieve greater success and fulfill our promise of providing financial security and peace of mind to families across all communities. Click here to learn more about New York Life's leadership in this space.
Recognized as one of Fortune's World's Most Admired Companies, New York Life is committed to improving local communities through a culture of employee giving and volunteerism, supported by the Foundation. We're proud that due to our mutuality, we operate in the best interests of our policy owners. To learn more about career opportunities at New York Life, please visit the Careers page of www.NewYorkLife.com.
Job Requisition ID: 94244
#BI-Hybrid
Skills Required
- Medical degree (MD, DO, or equivalent) and active U.S. medical license
- Minimum of three years of clinical practice experience
- Ability to interpret ECGs, laboratory findings, and complex medical information
- Strong verbal and written communication skills to explain medical concepts to non-clinical audiences
- Strong organizational skills, attention to detail, and ability to manage multiple priorities
- Proficiency with Microsoft Office applications (Outlook, Teams, Word, PowerPoint, Excel) and SharePoint
- Commitment to transitioning into a non-clinical role
- Board certification in Internal Medicine or Family Medicine (preferred specialties; other specialties encouraged)
- Previous experience as a Medical Director within the life insurance industry
- Board certification or eligibility in Insurance Medicine
- Experience supporting process improvement, analytics, automation, or AI-enabled initiatives
- Occasional travel
- Willingness to work toward board certification in Insurance Medicine (for physicians new to industry)
What We Do
At New York Life, our 180-year legacy of integrity, mutuality, and financial strength fuels a future defined by bold transformation. As the largest mutual life insurance company in the U.S., we operate on behalf of our policy owners—not shareholders. That structure allows us to take a long-term view, investing in people, purpose, and innovation that endures. Guided by a clear enterprise vision to become a technology-, data-, and AI-powered company, we’re modernizing our platforms, rearchitecting experiences, and embedding intelligence across our products and services. Our mission has always been about helping people through life’s most meaningful moments. Today, technology is amplifying that mission—enabling us to serve clients, advisors, and communities in more personalized, proactive ways. With a diversified business portfolio spanning insurance, investments, retirement, group benefits, and direct-to-consumer offerings, New York Life delivers the stability of a Fortune 100 company with the agility of one that’s continuously evolving. We’re powered by a values-led culture, inclusive teams, and a shared belief that when our people thrive, so does our company. Here, tradition fuels momentum—and your ideas, energy, and growth power what’s next.
Why Work With Us
New York Life is transforming from the inside out—blending 180 years of trust with the velocity of innovation. What makes us different is our culture: grounded in integrity, humanity, and shared success—values that show up in how we work, lead, and grow. If you want a place where innovation has purpose—build what's next with us.
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Hybrid Workspace
Employees engage in a combination of remote and on-site work.
















