Overview At MassMutual, you'll join a collaborative and forward-thinking team of underwriters from various backgrounds and areas of product expertise, who are motivated to shape the underwriting landscape. We combine ongoing digital transformation and robust risk-assessment with an enduring commitment to being a leading customer-centric company. As a team, we are dedicated to inclusivity. We show courage and professionalism when advocating for projects that move the business forward and present healthy challenges to the status quo. As a company, we take a holistic and flexible approach to compensation and benefits. In short, we never settle for yesterday's great things being our greatest.

Job Description The Opportunity:

This role is designed for an experienced Individual Disability Income (DI) Underwriter who understands the value of sound judgment, decision‑making authority, and meaningful work. You'll underwrite complex DI cases end‑to‑end, partnering closely with the field while maintaining the independence required to make quality, sound decisions. The work is fast‑paced, varied, and rooted in strong underwriting fundamentals—balanced with real autonomy and trust in your expertise.

The Team:

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 Financial Advisors (MMFA) distribution channel. We support MassMutual career agents, individual brokers and the consumers they serve. The team culture is collaborative, cross-functional, and uses old and new technologies combined with great work/life balance. The Impact Serve as a product and underwriting subject matter expert through field training, industry events, conferences, and ongoing partner education. Deliver competitive underwriting decisions that prioritize business placement while maintaining profitability and morbidity expectations. Provide exceptional service and consultation to agents, brokers, field office staff, and business partners on underwriting and risk related matters. Communicate underwriting decisions clearly and effectively to support customer understanding and business outcomes. Apply strong underwriting expertise to assess risks, gather relevant information, and make sound decisions, even in complex or ambiguous situations. Build and maintain trusted relationships with internal and external stakeholders through effective communication, collaboration, and emotional intelligence. Drive continuous improvement by influencing process enhancements, championing change, and supporting operational excellence. Mentor and coach less experienced underwriters while providing technical guidance on complex underwriting and customer service issues.

The Minimum Qualifications:

High School Diploma or GED 5+ years of underwriting individual disability insurance. $15K+ approval authority in individual disability insurance underwriting.

The Ideal Qualifications:

Bachelor's degree 7+ years of underwriting individual disability insurance Experience working in a fast-paced environment Approval limits of $20K+ IDI, $50K+ BOE, $750K+ Buy Sell without a second signature Exams completed toward industry designations i.e., DIA/DIF, AALU/FALU, FMLI, etc. What You Can Expect at

MassMutual :

MassMutual offers the opportunity to do meaningful work within a purpose-driven organization that values long-term impact over short-term outcomes. In this role, you can expect: 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 #LI-SB1 MassMutual is an equal employment opportunity employer. We welcome all persons to apply. If you need an accommodation to complete the application process, please contact us and share the specifics of the assistance you need.

California residents:

For detailed information about your rights under the California Consumer Privacy Act (CCPA), please visit our California Consumer Privacy Act Disclosures page. MassMutual will accept applications on an ongoing basis until such time as a candidate has been offered employment. The job description includes the main duties of this position, which may evolve over time. You may be required to perform other duties not listed. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment.

Salary Range:

$92,800-$121,800 Award-Winning Culture MassMutual is guided by a single purpose: We help people secure their future and protect the ones they love. As a company operated for the benefit of our members and participating policyowners, we are defined by mutuality and our vision to provide financial well-being for all Americans. 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. We strive to build a thriving community where everyone is valued, included, and feels that they belong. At MassMutual, we Live Mutual. How We Work MassMutual's flexible workplace approach combines the importance of connecting in person and the flexibility of working remotely. Our hybrid model puts collaboration first with employees coming in at least three days per week to our spectacular campus settings and also enjoying the flexibility of remote Fridays, company-wide remote weeks, and a bank of flexible remote weeks to use throughout the year. Benefits for the whole you (and your loved ones) There's more to your life than your job and there's more to your aspirations than a paycheck. We take a holistic view of compensation and benefits that provides the flexibility to create a healthy balance in your life for work, family, and community. We offer the benefits you'd expect, like medical, dental, 401(k), and generous vacation time, but we also offer ones you might not expect, like three paid days for volunteering, a $1,250 annual Well-Being Wallet, and up to 320 hours of caregiver leave. Explore some of our offerings below. Paid Time Off In addition to generous vacation time, paid holidays, and flexible holidays, MassMutual offers 'take care' time to care for yourself or someone you love—whether for physical illness or mental health. Health & Well-Being In addition to top-line medical and dental coverage, personalized mental health solutions, on-site and virtual health coaching, and much more, MassMutual reimburses employees up to $1,250 per year for eligible expenses supporting mental, physical, and financial well-being. Financial Well-Being In addition to competitive salaries and bonuses, educational assistance programs, and much more, MassMutual offers up to a 10% total 401(k) benefit, consisting of a 5% company match and a 5% annual contribution. Taking Care MassMutual offers generous maternity and parental leaves, as well as bereavement leave to mourn the loss of a loved one (and the employee defines 'loved one'). In addition, we offer up to 320 hours of caregiver leave to help employees support loved ones in times of need. Giving Back MassMutual offers three paid days for employees to volunteer with eligible nonprofits of their choice, and the MassMutual Foundation matches employee donation dollars to eligible nonprofit organizations up to $5,000 annually. Commuter Benefits MassMutual offers a Qualified Commuter Program through which eligible employees can pay qualified workplace commuting expenses with before-tax dollars, as well as a commuter wallet option for employees based at Boston and NYC campuses.