Be an Early Applicant
We help people secure their future and protect the ones they love.
The Role
Lead modernization of MassMutual's Disability Income underwriting manual by developing evidence-based medical underwriting guidelines, partnering with claims, pricing, medical directors, compliance and product teams, translating clinical and actuarial insights into clear guidance, improving framework usability, supporting digital/automated underwriting implementations, and championing adoption and training to strengthen underwriting quality and profitable growth.
Summary Generated by Built In
The Opportunity:
This role will primarily lead and support the modernization of MassMutual's Disability Income underwriting manual, including evaluation, redesign, and ongoing maintenance of evidence-based medical underwriting guidelines. This is a high-impact, strategic role shaping the future of DI underwriting at MassMutual and an opportunity to build next-generation underwriting guidelines that will support digital transformation and long-term risk performance. Ideal candidate will be a highly experienced Disability Underwriter.
This position is not generally attainable by all incumbents.
The Team:
You'll join a collaborative and forward-thinking team of underwriters from various backgrounds and product expertise, who are motivated to shape the underwriting landscape at MassMutual. As a team, we demonstrate accountability, agility, a dedication to being inclusive, a strong business acumen, and show courage and professionalism when advocating for a particular project or presenting a healthy challenge to the status quo.
The Impact:
The Minimum Qualifications
The Ideal Qualifications
What You Can Expect at MassMutual
MassMutual offers the opportunity to do meaningful work within a purpose-driven organization that values long-term impact over short-term outcomes. In this role, you can expect:
#LI-MC1
MassMutual is an equal employment opportunity employer. We welcome all persons to apply.
If you need an accommodation to complete the application process, please contact us and share the specifics of the assistance you need.
California residents: For detailed information about your rights under the California Consumer Privacy Act (CCPA), please visit our California Consumer Privacy Act Disclosures page.
Salary Range: $163,900-$215,000
This role will primarily lead and support the modernization of MassMutual's Disability Income underwriting manual, including evaluation, redesign, and ongoing maintenance of evidence-based medical underwriting guidelines. This is a high-impact, strategic role shaping the future of DI underwriting at MassMutual and an opportunity to build next-generation underwriting guidelines that will support digital transformation and long-term risk performance. Ideal candidate will be a highly experienced Disability Underwriter.
This position is not generally attainable by all incumbents.
The Team:
You'll join a collaborative and forward-thinking team of underwriters from various backgrounds and product expertise, who are motivated to shape the underwriting landscape at MassMutual. As a team, we demonstrate accountability, agility, a dedication to being inclusive, a strong business acumen, and show courage and professionalism when advocating for a particular project or presenting a healthy challenge to the status quo.
The Impact:
- Lead the modernization and ongoing evolution of MassMutual's Disability Income medical underwriting manual, ensuring it remains innovative, evidence-based, and aligned with business objectives.
- Develop and maintain medical underwriting guidelines using clinical research, claims experience, emerging trends, and industry best practices.
- Partner with Claims, Pricing, Medical Directors, Compliance, and Product teams to ensure underwriting guidance is competitive, effective, and appropriately aligned with risk objectives.
- Translate complex medical, actuarial, and claims insights into clear, actionable underwriting guidance that promotes consistent risk assessment and decision-making.
- Assess current underwriting frameworks and identify opportunities to improve guideline structure, usability, consistency, and scalability.
- Support the development of digital and automated underwriting capabilities, including rules-based decisioning tools, knowledge bases, and future underwriting technologies.
- Champion the adoption of new underwriting practices through training, change management, and ongoing engagement with underwriting teams.
- Serve as a subject matter expert and strategic partner to underwriting leadership, helping strengthen risk governance, underwriting quality, and profitable growth.
The Minimum Qualifications
- 10+ years of relevant work experience in DI Insurance Underwriting
- Experience with research and writing guidelines
- Mastery knowledge of individual DI insurance practices, underwriting standards, and operations
- Demonstrated ability to research and interpret medical literature and translate into underwriting action
- Must have an established approval limit without second signature
The Ideal Qualifications
- Bachelor's Degree
- Have an established approval limit
- Industry exams/designations completed, e.g., ALU 101, 201, 202, LOMA, ALMI, FMLI, ALU, FALU, DIA, DIF, RHU, CLU
- Direct experience developing or maintaining medical underwriting manuals or formal guideline frameworks
- Familiarity with impairment-based underwriting frameworks and clinical risk stratification
- Experience supporting automated / digital underwriting rule implementation
What You Can Expect at MassMutual
MassMutual offers the opportunity to do meaningful work within a purpose-driven organization that values long-term impact over short-term outcomes. In this role, you can expect:
- Clear areas of ownership and accountability, with work that connects directly to company and customer outcomes
- A collaborative environment where perspectives are welcomed
- Access to learning, development, and internal networks that support continuous growth and skill-building over time
- Employee-led communities and forums that foster connection, learning, and inclusion across the organization
- A culture grounded in integrity, responsibility, and stewardship-supported by a company with a strong legacy and a future-focused mindset
#LI-MC1
MassMutual is an equal employment opportunity employer. We welcome all persons to apply.
If you need an accommodation to complete the application process, please contact us and share the specifics of the assistance you need.
California residents: For detailed information about your rights under the California Consumer Privacy Act (CCPA), please visit our California Consumer Privacy Act Disclosures page.
Salary Range: $163,900-$215,000
Skills Required
- 10+ years of relevant work experience in DI insurance underwriting
- Experience with research and writing underwriting guidelines
- Mastery of individual DI insurance practices, underwriting standards, and operations
- Demonstrated ability to research and interpret medical literature and translate into underwriting action
- Established approval limit without second signature
- Bachelor's degree
- Industry exams/designations (e.g., ALU, LOMA, ALMI, FMLI, FALU, DIA, DIF, RHU, CLU)
- Direct experience developing or maintaining medical underwriting manuals or formal guideline frameworks
- Familiarity with impairment-based underwriting frameworks and clinical risk stratification
- Experience supporting automated/digital underwriting rule implementation
MassMutual Compensation & Benefits Highlights
How does MassMutual ensure its pay and bonus plans are competitive?
MassMutual supports competitive compensation through salary and bonus opportunities, retirement contributions, pay transparency practices and a broad benefits package that adds value beyond base pay. The company also uses long-running pay equity reviews and employee feedback to evaluate whether rewards are supporting employees across roles and life stages.
- Competitive pay and bonus opportunities: MassMutual describes its total rewards approach as holistic and flexible, with competitive salaries and bonuses designed to support employees’ financial well-being. Employees also point to compensation as part of the value proposition, with one sales assistant citing “great benefits and lots of flexibility,” and another employee describing the company’s “good leadership and benefits.”
- Retirement and financial benefits: MassMutual provides a 401(k) benefit of up to 10% of eligible compensation, including a 5% company match and a 5% annual company contribution. The company also treats eligible student loan payments like 401(k) contributions for matching purposes and begins monthly retirement healthcare account contributions for employees starting at age 45.
- Pay transparency and pay equity: MassMutual posts salary ranges in most job postings and has used an independent HR risk management firm to conduct annual adjusted pay gap reviews for 17 years. That approach connects compensation competitiveness with equity and accountability across the employee experience.
- Benefits as part of total rewards: MassMutual’s compensation includes health, dental and mental health benefits, caregiver leave, parental leave, bereavement leave, paid volunteer time, flexible holidays and a Well-Being Wallet of up to $1,250 annually. A head of human resources said, “It’s not about industry standards — it’s about supporting all employees’ well-being in ways that are meaningful to them.”
- External signals:
- Benefits value: Employees on external review sites regularly highlight benefits as a strength, with reviews calling out “excellent benefits,” “great benefits” and a “great benefits package.” (Glassdoor; Indeed)
- Compensation and retention: Employees surveyed on external review sites rate MassMutual’s perks and benefits an A-, with 100% saying perks and benefits play a role in staying at the company. (Comparably)
- Financial stability: MassMutual reported more than $10 billion in insurance and annuity benefits paid in 2025 and total adjusted capital above $34 billion, reinforcing the company’s long-term financial foundation. (MassMutual 2025 Annual Report)
Bottom line: MassMutual supports competitive pay through salary and bonus opportunities, strong retirement contributions, pay transparency, recurring pay equity reviews and benefits designed to support employees’ financial, physical, mental and family well-being.
MassMutual Insights
Am I A Good Fit?
Get Personalized Job Insights.
Our AI-powered fit analysis compares your resume with a job listing so you know if your skills & experience align.
Success! Refresh the page to see how your skills align with this role.
The Company
What We Do
Since 1851, MassMutual’s commitment has always been to help people protect their families, support their communities, and help one another. This is why we want to inspire people to Live Mutual. We’re people helping people. Together, we’re stronger.
Why Work With Us
MassMutual has the financial security and stability of a 170+ year old company, with the culture and energy of a startup. We work every day with the customer front of mind to build the best digital experience in the industry.
Gallery
MassMutual Teams
MassMutual Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
We believe in capitalizing on the best of being together in our offices as well as personal flexibility. Our workplace philosophy puts office collaboration first, combined with flexibility to work remotely.
Typical time on-site:
3 days a week
