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MassMutual Executive Underwriter in Helena, Montana

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.