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Executive Underwriter – MassMutual | Built In Boston [Video]

We are seeking a virtual Executive Underwriter to join our team. You’ll be tasked with underwriting life insurance in a fast-paced, diverse work environment that is inclusive and values different experiences, backgrounds and knowledge.

Role and Responsibilities

  • Work with peers and reinsurance partners on Ultra-High Net Worth cases (US Citizen and Non-US Citizen) in excess of $20 million and as large as $165 million.
  • Use strong reinsurance negotiation skills.
  • Working knowledge of premium financing, facultative, pro athlete, etc. of significant value.
  • Evaluate and handle all underwriting aspects of formal & informal life 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
  • Deliver the best offer 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 mortality expectations
  • Tailor communication style to fit a variety of target audiences, i.e. agency, new business personnel 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 resolve, rate questions and discrepancies, or risk related concerns. Consider total case financials, relationship and value of customer
  • Leverage interpersonal and emotional intelligence skills to develop relationships with key business partners across this competitive landscape, which can be relied on to inform decisions and communicate underwriting decisions
  • Able to independently work assigned requests with minimal direction. Comfortable with ambiguity.
  • Build trust and foster strong rapport with colleagues, business partners, and third party customers

Required Qualifications

  • High school diploma or GED
  • 7+ years life insurance underwriting experience with over $5 million life approval limit.
  • 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 UW administrative systems, product rules, Underwriting Guidelines and medical factors impacting mortality 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

  • Bachelors degree
  • 10+ years underwriting experience (most current 3+ years on life insurance)
  • $10+ million life approval limit without second sign (all ratings, ages) including 3+ years on third-party life insurance experience
  • Term and permanent life insurance underwriting
  • Knowledge of disability underwriting
  • Third party distribution, banks or wire house underwriting experiences
  • Reinsurance experience
  • Industry exams completed, i.e. FMLI, FALU, CLU, ChFC

Salary Range $125,900 – $145,800 w/ annual bonus opportunity

**Commensurate with experience**



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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