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We help people secure their future and protect the ones they love.
The Role
Underwrite complex individual disability insurance cases end-to-end, making sound risk decisions within significant approval authority. Serve as an underwriting subject-matter expert, advise agents and brokers, communicate decisions, maintain stakeholder relationships, improve processes, and mentor less experienced underwriters. Support competitive placement while maintaining profitability and morbidity expectations.
Summary Generated by Built In
The Opportunity:
This role is designed for an experienced Individual Disability Income (DI) Underwriter who understands the value of 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.
The Team:
MassMutual is going through a digital transformation while continuing to be a leading customer-centric company. The team is composed of underwriters supporting our MassMutual Financial Advisors (MMFA) distribution channel. We support MassMutual career agents, individual brokers and the consumers they serve. The team culture is collaborative, cross-functional, and uses old and new technologies combined with great work/life balance.
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:
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-SB1
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: $92,800-$121,800
This role is designed for an experienced Individual Disability Income (DI) Underwriter who understands the value of 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.
The Team:
MassMutual is going through a digital transformation while continuing to be a leading customer-centric company. The team is composed of underwriters supporting our MassMutual Financial Advisors (MMFA) distribution channel. We support MassMutual career agents, individual brokers and the consumers they serve. The team culture is collaborative, cross-functional, and uses old and new technologies combined with great work/life balance.
The Impact
- Serve as a product and underwriting subject matter expert through field training, industry events, conferences, and ongoing partner education.
- Deliver competitive underwriting decisions that prioritize business placement while maintaining profitability and morbidity expectations.
- Provide exceptional service and consultation to agents, brokers, field office staff, and business partners on underwriting and risk related matters.
- Communicate underwriting decisions clearly and effectively to support customer understanding and business outcomes.
- Apply strong underwriting expertise to assess risks, gather relevant information, and make sound decisions, even in complex or ambiguous situations.
- Build and maintain trusted relationships with internal and external stakeholders through effective communication, collaboration, and emotional intelligence.
- Drive continuous improvement by influencing process enhancements, championing change, and supporting operational excellence.
- Mentor and coach less experienced underwriters while providing technical guidance on complex underwriting and customer service issues.
The Minimum Qualifications:
- High School Diploma or GED
- 5+ years of underwriting individual disability insurance.
- $15K+ approval authority in individual disability insurance underwriting.
The Ideal Qualifications:
- Bachelor's degree
- 7+ years of underwriting individual disability insurance
- Experience working in a fast-paced environment
- Approval limits of $20K+ IDI, $50K+ BOE, $750K+ Buy Sell without a second signature
- Exams completed toward industry designations i.e., DIA/DIF, AALU/FALU, FMLI, etc.
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-SB1
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: $92,800-$121,800
Skills Required
- High School Diploma or GED
- 5+ years of underwriting individual disability insurance
- $15K+ approval authority in individual disability insurance underwriting
- Bachelor's degree
- 7+ years of underwriting individual disability insurance
- Experience working in a fast-paced environment
- Approval limits of $20K+ IDI, $50K+ BOE, and $750K+ Buy Sell without a second signature
- Exams completed toward industry designations such as DIA/DIF, AALU/FALU, or FMLI
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
