Underwriting Consultant - Disability Insurance

The Opportunity
This role is designed for an experienced Individual Disability Income (DI) Underwriter who values sound judgment, decision-making authority, and meaningful work. You'll underwrite complex DI cases end-to-end, partnering closely with the field while maintaining the independence required to make quality, sound decisions. The work is fast-paced, varied, and rooted in strong underwriting fundamentals-balanced with real autonomy and trust in your expertise.
100% remote - work from anywhere in the U.S.
The Team
You'll join a close-knit, experienced DI underwriting organization where collaboration is real-not performative. Underwriters here lean on one another, share perspective, and respect differing approaches to risk. Our culture supports resilience, open communication, and comfort with ambiguity. We're in the midst of a broader digital transformation, including a future underwriting system upgrade. Transparency matters to us, and so does investing in the long-term evolution of how underwriting gets done.
The Impact
Your work directly influences outcomes-for customers, distribution partners, and the business. Your underwriting judgment will be heard, respected, and relied upon. This is a role for underwriters who want to continue sharpening their craft, stay close to the work, and grow through complexity-while being supported by leadership that understands DI underwriting and values long-term expertise.
Key Responsibilities

• Underwrite individual disability income cases end-to-end, applying sound judgment to accept, modify, or decline risk across medical, occupational, and financial dimensions.
• Partner closely with agents, brokers, and field partners to clearly explain decisions and facilitate thoughtful placement of business.
• Balance quality underwriting decisions with service expectations, exercising discretion in a fast-paced environment.
• Collaborate with peers and stakeholders to gather information, assess risk, and continuously improve underwriting outcomes and processes.
• Demonstrate the ability to work independently amid ambiguity while contributing to a collaborative, relationship-driven underwriting culture.

The Minimum Qualifications

• High school diploma or GED
• $10K approval authority in disability insurance underwriting
• 7+ years of disability insurance underwriting

The Preferred Qualifications

• Bachelor's degree
• 8+ years of Disability Income underwriting experience
• Authority to approve $15K+ IDI, $20K+ Business Overhead Expense, and $500K Buy-Sell cases without second signature
• Demonstrated success underwriting in a fast-paced, high-volume environment
• Experience underwriting through third-party distribution, banks, or wirehouse channels
• Completion of relevant industry designations/exams (e.g., ALU 101/201/202, LOMA, ALMI, FMLI, ALU, FALU, DIA, DIF)
• Expert knowledge of risk selection, including medical, non-medical, and financial factors
• Strong command of underwriting principles, best practices, and risk management controls
• Deep understanding of underwriting systems, product rules, guidelines, and medical factors impacting morbidity; ability to effectively position decisions with brokers and sales partners
• Proven ability to work independently with minimal supervision while collaborating effectively in a team environment
• Strong critical thinking and data-driven problem-solving skills
• Positive, inclusive, agile, and collaborative mindset
• Excellent verbal and written communication skills

What to Expect as Part of MassMutual and the Team

• Regular meetings with the DI Underwriting Team
• Focused one-on-one meetings with your manager
• 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

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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.
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Salary Range: $115,900-$152,100