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We help people secure their future and protect the ones they love.
The Role
Supports long-term care insurance inforce management initiatives, including rate certifications, repricing, dividend analysis, illustration testing, and rate increases. Develops compliant modeling documentation, performs data analysis and financial modeling, collaborates with valuation, pricing, claims, legal, compliance, and external partners, and drives process improvement and automation.
Summary Generated by Built In
The Opportunity
Join MassMutual's LTC Inforce Management Team and help drive the success of our stand-alone and hybrid Long-Term Care products. As a Quantitative Consultant, you'll work in a fast-paced, collaborative environment, partnering across the organization to support key initiatives including inforce repricing, annual rate certifications, illustration testing, dividend analysis, and wellness programs. This is an exciting opportunity to apply your analytical expertise, influence business decisions, and make a meaningful impact on a highly visible business.
The Team
The LTC Inforce Management Team is responsible for inforce management for our stand-alone LTC and hybrid products. This team consists of both actuaries and non-actuaries that work collaboratively with many areas throughout the organization. Team members are expected to work collaboratively with both internal and external partners, form an opinion, advocate for our policyowners and the company, and drive action.
The Impact:
This role includes, but is not limited to, supporting annual rate certifications, dividend analysis, illustration regulation testing, and inforce rate increases by:
The Minimum Qualifications
The Ideal Qualifications
What to Expect as Part of MassMutual and the Team
#LI-KM1
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: $102,500-$134,500
Join MassMutual's LTC Inforce Management Team and help drive the success of our stand-alone and hybrid Long-Term Care products. As a Quantitative Consultant, you'll work in a fast-paced, collaborative environment, partnering across the organization to support key initiatives including inforce repricing, annual rate certifications, illustration testing, dividend analysis, and wellness programs. This is an exciting opportunity to apply your analytical expertise, influence business decisions, and make a meaningful impact on a highly visible business.
The Team
The LTC Inforce Management Team is responsible for inforce management for our stand-alone LTC and hybrid products. This team consists of both actuaries and non-actuaries that work collaboratively with many areas throughout the organization. Team members are expected to work collaboratively with both internal and external partners, form an opinion, advocate for our policyowners and the company, and drive action.
The Impact:
This role includes, but is not limited to, supporting annual rate certifications, dividend analysis, illustration regulation testing, and inforce rate increases by:
- Becoming an LTC subject matter expert regarding the product design, data, and how data is used across the organization
- Collaborating within cross-functional teams that can include but is not limited to valuation, pricing, claims, operations, reinsurance, legal, compliance, and external partners
- Developing and maintaining clear step-by-step documentation of modeling policies, procedures, calculations, and assumptions that meet all statutory and ASOP requirements
- Driving continuous improvement and automation efforts by keeping innovation at the forefront, improving processes and practices, advocating for change and optimal value across the organization, asking questions and challenging the status quo, and taking ownership and personal responsibility
- Supporting other team initiatives as needed
The Minimum Qualifications
- Bachelor's degree with a quantitative focus (e.g., Finance, Economics, Mathematics, Statistics, Actuarial Science, Data/Business Analytics)
- 3+ years of experience in an insurance field (LTC, DI, life, health, etc.)
- 2+ years of data analysis experience
- 2+ years Proficiency in Microsoft Excel and Microsoft Office Suite, including working knowledge (e.g., pivot tables, ability to work with existing macros)
The Ideal Qualifications
- Previous LTC experience
- VBA experience
- Power BI experience
- Financial modeling capability
- Actuarial certification or exams a plus, but not required
- Strong communication skills, written and verbal
- Ability to build and maintain strong working relationships with cross-functional groups
- Strong analytic and problem-solving skills
- Ability to manage priorities and adapt quickly to achieve goals
What to Expect as Part of MassMutual and the Team
- Regular meetings with the LTC Inforce Management 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
#LI-KM1
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: $102,500-$134,500
Skills Required
- Bachelor's degree with a quantitative focus, such as Finance, Economics, Mathematics, Statistics, Actuarial Science, or Data/Business Analytics
- 3 or more years of experience in an insurance field
- 2 or more years of data analysis experience
- 2 or more years of proficiency in Microsoft Excel and Microsoft Office Suite, including pivot tables and working with existing macros
- Previous long-term care insurance experience
- VBA experience
- Power BI experience
- Financial modeling capability
- Actuarial certification or completed actuarial exams
- Strong written and verbal communication skills
- Ability to build and maintain strong cross-functional working relationships
- Strong analytical and problem-solving skills
- Ability to manage priorities and adapt quickly to achieve goals
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.
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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.
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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
