Sr. Disability Underwriting Consultant

Massmutual Financial Group Little Rock , AR 72215

Posted 2 months ago

Do you want to be part of a team that encourages your growth, supports your ambitions and makes it a priority for you to reach your goals? Is helping people part of who you are? At MassMutual, we help millions of people find financial freedom, offer financial protection and plan for the future. We do this by building trust with our customers by being knowledgeable problem solvers and prioritize their needs above all else. We Live Mutual.

Description

Do you want to be part of a team that encourages your growth, supports your ambitions, and makes it a priority for you to reach your goals? Is helping people part of who you are? At MassMutual, we help millions of people find financial freedom, offer financial protection and plan for the future. We do this by building trust with our customers by being knowledgeable problem solvers and prioritize their needs above all else. We Live Mutual.

  • THIS POSITION IS 100% REMOTE / VIRTUAL* Work from home anywhere in the United States

We are seeking a Sr. Individual Disability Income Underwriting Consultant to join our team! You will be responsible for working with our customers and advisors during the individual disability income insurance sales and service process.

Why This Opportunity?

  • Opportunity to be a part of a dynamic team that is helping more Americans protect the ones they love

  • Highly competitive pay & benefits on the first day

  • 100% remote available, work from home anywhere in the US

Meet the Team -

It is an exciting time in Underwriting at MassMutual! 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 Strategic Distributor (MMSD) channel. This includes the initial development and growth of the MMSD channel, as well as the eventual transition to a new digital operating platform. We support Third Party Distribution and the consumers they serve. The team culture is collaborative, cross-functional, and uses old and new technologies combined with a work/life balance.

Job Description

We are looking for a virtual Sr. Disability Income Underwriting Consultant to join our team, tasked with underwriting disability insurance in a fast-paced diverse work environment that is inclusive and values different experiences, backgrounds, and knowledge.

Roles and Responsibilities

  • Evaluate and handle all underwriting aspects of disability insurance applications.

  • Determine whether to accept, modify, or decline a risk through evaluation of an individual's medical history or physical condition, occupational hazard, and financial background, considering the total case.

  • Deliver the best offers first, to drive the sale and not only 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 morbidity expectations.

  • Tailor communication style to fit a variety of target audiences and foster relationships with advisors and third-party partners.

  • Collaborate effectively with stakeholders to gather information necessary for decision-making and to select profitable risks.

  • Provide consultations with third party firms to address risk-related concerns.

  • Leverage interpersonal and emotional intelligence skills to develop relationships with key business partners across this competitive landscape, which can be relied on to inform and communicate underwriting decisions.

  • Work independently on assigned requests with minimal direction. Comfortable with ambiguity.

  • Build trust and foster strong rapport with colleagues, business partners, and third-party customer.

  • Coach and mentor less experienced underwriters

Required Qualifications

  • High school diploma or GED

  • Proven success of underwriting in a fast-paced work environment

  • $7K approval authority in disability insurance underwriting

  • Expert knowledge of all aspects of risk selection (medical, non-medical, financial)

  • Mastery of key underwriting concepts, best practices and implementation of necessary risk management controls

  • Strong knowledge of underwriting administrative systems, product rules, underwriting guidelines and medical factors impacting morbidity and the keen ability to position with brokers and sales partners

  • Demonstrated track record of working with minimal supervision, being a self-starter and working with others in a team environment

  • Ability to think critically, problem solve using data to drive toward resolution

  • Positive, inclusive, agile, and collaborative mindset

  • Strong verbal and written communication skills

Preferred Qualifications

  • Bachelor's degree

  • 7+ years disability income underwriting experience

  • Approval limits of $15K+ IDI, $20K+ Business Overhead Expense, and $500K Buy Sell without second signs

  • Third party distribution, bank, or wire house underwriting experiences

  • Industry exams completed, i.e. ALU 101, 201, 202, LOMA, ALMI, FMLI, ALU, FALU, DIA, DIF

#LI-Remote

#LI-JA1

Salary range $100,000 to $115,000 with annual bonus opportunity

Commensurate with experience

Why Join Us.

We've been around since 1851. During our history, we've learned a few things about making sure our customers are our top priority. In order to meet and exceed their expectations, we must have the best people providing the best thinking, products and services. To accomplish this, we celebrate an inclusive, vibrant and diverse culture that encourages growth, openness and opportunities for everyone. A career with MassMutual means you will be part of a strong, stable and ethical business with industry leading pay and benefits. And your voice will always be heard.

Recognized as a 2020 World's Most Ethical Company by Ethisphere, MassMutual is guided by a single purpose: We help people secure their future and protect the ones they love. As a company owned by our policyowners, we are defined by mutuality and our vision to put customers first. It's more than our company structure - it's our way of life. We are a company of people protecting people. Our company exists because people are willing to share risk and resources, and rely on each other when it counts. At MassMutual, we Live Mutual.

MassMutual is an Equal Employment Opportunity employer Minority/Female/Sexual Orientation/Gender Identity/Individual with Disability/Protected Veteran. We welcome all persons to apply. Note: Veterans are welcome to apply, regardless of their discharge status.

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We Live Mutual. * THIS POSITION IS AVAILABLE 100% REMOTE / VIRTUAL* Work from home anywhere in the United States We are seeking a Individual Disability Income Underwriting Consultant to join our team! You will be responsible for working with our customers and advisors during the individual disability income insurance sales and service process. Why This Opportunity? * Opportunity to be a part of a dynamic team that is helping more Americans protect the ones they love * Highly competitive pay & benefits on the first day * 100% remote available, work from home anywhere in the US Meet the Team - It is an exciting time in Underwriting at MassMutual! 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 Strategic Distributor (MMSD) channel. This includes the initial development and growth of the MMSD channel, as well as the eventual transition to a new digital operating platform. We support Third Party Distribution and the consumers they serve. The team culture is collaborative, cross-functional, and uses old and new technologies combined with a work/life balance. Job Description We are looking for a virtual Disability Income Underwriting Consultant to join our team, tasked with underwriting disability insurance in a fast-paced diverse work environment that is inclusive and values different experiences, backgrounds, and knowledge. Roles and Responsibilities * Evaluate and handle all underwriting aspects of disability insurance applications. * Determine whether to accept, modify, or decline a risk through evaluation of an individual's medical history or physical condition, occupational hazard, and financial background, considering the total case. * Deliver the best offers first, to drive the sale and not only 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 morbidity expectations. * Tailor communication style to fit a variety of target audiences and foster relationships with advisors and third-party partners. * Collaborate effectively with stakeholders to gather information necessary for decision-making and to select profitable risks. * Provide consultations with third party firms to address risk-related concerns. * Leverage interpersonal and emotional intelligence skills to develop relationships with key business partners across this competitive landscape, which can be relied on to inform and communicate underwriting decisions. * Work independently on assigned requests with minimal direction. Comfortable with ambiguity. * Build trust and foster strong rapport with colleagues, business partners, and third-party customer. Required Qualifications * High school diploma or GED * Proven success of underwriting in a fast-paced work environment * Over $5K approval authority in disability insurance underwriting * Demonstrated knowledge of all aspects of risk selection (medical, non-medical, financial) * Ability to think critically, problem solve using data to drive toward resolution * Positive, inclusive, agile, and collaborative mindset * Strong verbal and written communication skills Preferred Qualifications * Bachelor's degree * Minimum of 5 years disability income underwriting experience * $10K+ disability approval limit without second sign * Business Overhead and Buy Sell disability underwriting * Third party distribution, bank, or wire house underwriting experiences * Industry exams completed, i.e. ALU 101, 201, 202, LOMA, ALMI, FMLI, ALU, FALU, DIA, DIF #LI-JA1 Salary range $65,000 - $90,000 Commensurate with experience Why Join Us. We've been around since 1851. During our history, we've learned a few things about making sure our customers are our top priority. In order to meet and exceed their expectations, we must have the best people providing the best thinking, products and services. To accomplish this, we celebrate an inclusive, vibrant and diverse culture that encourages growth, openness and opportunities for everyone. A career with MassMutual means you will be part of a strong, stable and ethical business with industry leading pay and benefits. And your voice will always be heard. Recognized as a 2020 World's Most Ethical Company by Ethisphere, MassMutual is guided by a single purpose: We help people secure their future and protect the ones they love. As a company owned by our policyowners, we are defined by mutuality and our vision to put customers first. It's more than our company structure - it's our way of life. We are a company of people protecting people. 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Sr. Disability Underwriting Consultant

Massmutual Financial Group