Senior Associate, Morbidity Underwriting Risk & Quality Solutions
About the role
The Senior Associate, Morbidity Underwriting Risk & Quality Solutions is an advanced individual contributor responsible for ensuring the quality, consistency, and effectiveness of morbidity underwriting decisions across Long Term Care and Individual Disability Insurance.
Responsibilities
- Perform post-decision reviews of LTC and IDI underwriting cases to assess accuracy, consistency, and alignment with morbidity underwriting guidelines
- Apply expert judgment to evaluate whether underwriting decisions are equitable, balanced, and aligned with intended risk outcomes
- Identify decision inconsistencies, guideline deviations, training opportunities and areas of elevated risk
- Trend Analysis & Insight Generation
- Own monitoring and analysis of morbidity underwriting quality trends across products, cohorts, and distribution channels
- Develop and maintain dashboards and reporting to track quality metrics and performance over time
- Drive recommendations to improve underwriting quality and consistency, including:
- Training needs
- Updates to underwriting guidelines and procedures
- Enhancements to rules, tools, and systems
- Partner with underwriting leadership to prioritize and implement improvements
- Cross-Functional Collaboration & Influence
- Collaborate with Morbidity Underwriting Managers, Product, and Underwriting Modernization teams to translate insights into actionable improvements
- Provide input into model evaluation, rule changes, and system enhancements impacting morbidity underwriting
- Facilitate working sessions to align stakeholders on findings, root causes, and solutions
- Subject Matter Expertise & Governance Support
- Serve as a subject matter expert in morbidity underwriting quality and best practices
- Ensure adherence to underwriting guidelines, regulatory requirements, and internal standards
- Support governance routines by providing clear, data-driven insights into underwriting performance and quality
Requirements
- 5–10+ years of experience in life/health, LTC, or IDI underwriting with strong morbidity expertise
- Deep understanding of underwriting guidelines, risk assessment, and decision frameworks
- Experience reviewing complex underwriting decisions and identifying inconsistencies or risk patterns
- Strong analytical skills with ability to synthesize data and generate actionable insights
- Experience with reporting and data visualization tools (e.g., Excel, Qlik, Tableau, Power BI, SQL)
- Proven ability to influence cross-functional stakeholders without direct authority
- Strong written and verbal communication skills
Qualifications
- Required Qualifications
- Preferred Qualifications
Skills
- Experience in underwriting quality control, audit, or second-line review functions
- Experience supporting underwriting automation, models, or rules engines
- Experience using AI tools or willingness to research and build AI tools for efficiency of reviews
- Industry designations (FLMI, FALU, DIA, DIF LTCP)
- Experience working in Agile or product-based environments
Benefits
- Salary Range: $100,000-$143,000
- Overtime eligible: Exempt
- Discretionary bonus eligible: Yes
- Sales bonus eligible: No
- Actual base salary will be determined based on several factors but not limited to individual’s experience, skills, qualifications, and job location
- Employees are eligible for an annual discretionary bonus
- In addition to base salary, employees may also be eligible to participate in an incentive program
Pay
Pay Transparency
Salary Range: $100,000-$143,000
Overtime eligible: Exempt
Discretionary bonus eligible: Yes
Sales bonus eligible: No
Schedule
Full-time
Company Overview
At New York Life, our 180-year legacy of purpose and integrity fuels our future. As we evolve into a more technology-, data-, and AI-enabled organization, we remain grounded in the values that drive lasting impact. Our diverse business portfolio creates opportunities to make a difference across industries and communities—inviting bold thinking, collaborative problem-solving, and purpose-driven innovation. Here, you’ll find the rare balance of long-standing stability and forward momentum, supported by an inclusive team that honors tradition while embracing progress. As a Fortune 100 mutual company, we offer a place to grow your skills, contribute to meaningful work, and deliver solutions that matter. Your ideas drive what’s next, and your growth powers it.
Our Commitment to Inclusion
We provide a full package of benefits for employees – and have unique offerings for a modern workforce, including leave programs, adoption assistance, and student loan repayment programs.