Underwriter Consultant

About the role

At MassMutual, we're transforming the future of life insurance underwriting through innovation, technology, and an unwavering commitment to delivering exceptional experiences for our customers and advisors. As an Underwriter Consultant, you will play a critical role in evaluating complex life insurance risks, making sound mortality and financial assessments, and partnering with distribution and account management teams to deliver first-offer, best-offer outcomes. This is an opportunity to leverage your expertise while influencing underwriting strategy, supporting field partners, and helping families secure their financial futures.

Joining our team means becoming part of a collaborative, high-performing organization that values continuous learning, professional growth, and operational excellence. You'll work alongside experienced underwriting professionals, contribute to key strategic initiatives, mentor emerging talent, and help shape the evolution of underwriting through digital transformation and advanced decision-making tools.

If you are a customer-focused underwriting leader who thrives in a fast-paced environment and is passionate about balancing risk management with an outstanding customer experience, we invite you to bring your talents to MassMutual and help us continue our mission of helping people protect the ones they love.

The Team

The team at MassMutual is composed of experienced underwriters supporting our MassMutual Financial Advisors (MMFA) and MassMutual Strategic Distributor (MMSD) channels. These organizations provide a variety of customer, advisor, and risk management services. The team culture is collaborative, cross-functional, and uses both established and emerging technologies.

Responsibilities

• Evaluate and handle all underwriting aspects of formal and informal life insurance applications.
• Determine whether to accept, modify, or decline a risk through evaluation of an individual's medical history, physical condition, occupational hazard, and financial background.
• Deliver the best offer first to drive the sale and not just a decision.
• Provide efficient, quality service to third-party firms, their staff, and their advisors.
• Communicate effectively with customers to explain underwriting decisions and facilitate placement of business.
• Understand underwriting policies, guidelines, practices, and procedures.
• Influence and champion changes to improve processes while maintaining mortality expectations.
• Tailor communication style to fit a variety of target audiences, such as agency and new business personnel.
• Foster relationships with advisors and brokerage partners.
• Provide consultations with third-party firms to resolve rate-related questions, discrepancies, or risk-related concerns.

Requirements

• High school diploma or GED.
• 5+ years of life insurance underwriting experience.
• $5+ million life insurance underwriting authority.

Qualifications

• 10+ years of underwriting experience.
• $10+ million life insurance underwriting authority.
• Expert knowledge of all aspects of risk selection (medical, non-medical, financial).
• Mastery of key underwriting concepts, best practices, and procedures, including identifying exposures to loss, material hazards, and implementation of necessary risk management controls.
• Strong knowledge of underwriting administrative systems, product rules, underwriting guidelines, and medical factors impacting mortality, with the ability to position insights with agents, brokers, and sales partners.
• Experience underwriting both term and permanent life insurance.
• Agency, brokerage distribution, banks, or wirehouse underwriting experience.
• Reinsurance experience.
• Industry designations: FMLI, FALU, CLU, ChFC, etc.
• Demonstrated track record of working with minimal supervision, being a self-starter, and collaborating in a team environment.
• Ability to think critically and problem-solve using data to drive toward resolution.
• Positive, inclusive, agile, and collaborative mindset.
• Strong verbal and written communication skills.

Benefits

• 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.