Underwriter Trainee

Life Underwriting Training Program
Location: 100% Remote / Virtual (U.S. based)
Start Date: 6/1/2026
The Opportunity
At MassMutual, we are investing in the future of underwriting by developing the next generation of underwriting talent. As part of our continued growth and commitment to excellence, we are launching a Life Underwriting Training Program designed to equip high-potential individuals with the skills, knowledge, and experience to become successful Life Underwriters.
If you are analytical, curious, and motivated by the opportunity to help individuals and families protect what matters most, this role offers a clear and supported pathway into a rewarding underwriting career.
Why This Opportunity

• Structured, cohort-based underwriting training program
• Clear progression path toward Life Underwriter authority
• Hands-on learning with experienced underwriters and mentors
• Exposure to both traditional and accelerated underwriting environments
• Collaborative, people-first culture focused on learning and development

The Team
MassMutual's underwriting organization plays a critical role in delivering on our promise to customers and advisors. We are a collaborative, customer-focused team that balances strong risk management with innovative underwriting solutions.
We partner closely with advisors and internal teams to ensure thoughtful, consistent, and high-quality underwriting decisions.
The Impact
As an Underwriter Trainee you will participate in a comprehensive training and development program designed to build foundational underwriting knowledge and prepare you to assess Life insurance risk.
You will learn how to evaluate applications, analyze medical and financial risk factors, support underwriting decisions, and develop strong analytical and communication skills aligned to MassMutual's underwriting standards.
Key responsibilities include, but are not limited to:

• Learn to evaluate mortality risk using applications, medical data, and related reports
• Develop foundational knowledge in medical, financial, and lay underwriting; support cases up to $1M
• Learn and apply accelerated underwriting pathways (no-touch, lite-touch, traditional)
• Clearly document underwriting rationale and meet quality, service, and production milestones
• Partner with managers, mentors, and internal teams to resolve case questions and escalations
• Communicate clearly and professionally while contributing to a collaborative team environment

Training Program Overview

• 10-12 weeks of virtual classroom training (Start Date - 6/1)
• 1 week of in-person training at the Springfield, MA campus (Monday 9/14 - Friday, 9/18)

Industry Education Requirements

• LOMA 281 & 291 (within 7 months of hire)
• ALU 101 (within the first calendar year)
• Medical terminology coursework
• Ongoing participation in underwriting learning sessions

Minimum Qualifications

• High school diploma or equivalent
• 3+ years of professional work experience
• 1+ years experience working in a fast-paced or changing environment where priorities, processes, or expectations may shift
• 1+ years demonstrated analytical thinking and problem-solving skills

Preferred Qualifications

• Bachelor's degree
• Ability to communicate effectively in Spanish or Mandarin
• 2+ years of working experience in the insurance or financial services industry or in a customer-facing role
• Demonstrated experience producing clear, accurate written communications (e.g., emails, reports, documentation, or presentations) for internal or external stakeholders.
• Experience resolving routine to moderately complex problems by following defined processes, guidelines, or escalation paths.
• Ability to work effectively in a fast-paced, evolving environment
• Experience in insurance, underwriting, or financial services
• Ability to manage multiple priorities and deadlines
• Strong written and verbal communication skills
• Technical aptitude and comfort with digital tools
• Ability to work both independently and collaboratively
• Regular meetings with the Advanced Sales Team
• Focused one-on-one meetings with your manager
• Networking opportunities including access to Asian, Hispanic/Latinx, African American, women, LGBTQIA+, veteran and disability-focused Business Resource Groups
• Access to learning content on Degreed and other informational platforms

What to Expect as Part of MassMutual and the Team

• Regular meetings with the Life Underwriting Team
• Focused one-on-one meetings with your manager
• Networking opportunities including access to Asian, Hispanic/Latinx, African American, women, LGBTQIA+, 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

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: $57,000-$71,800