Senior Associate Underwriter

<span class="jobdescription"><p style="margin:0.0in 0.0in 0.0pt 0.0in"><span style="font-size:12.0pt"><span style="font-family:Tahoma, Geneva, sans-serif"><span style="color:#ffffff">Job Requisition ID: 94106 </span></span></span></p> <p style="margin:0.0in 0.0in 0.0pt 0.0in"> </p> <p style="margin:0.0in 0.0in 0.0pt 0.0in"><span style="font-size:12.0pt;font-family:tahoma, arial, helvetica, sans-serif"><span style="color:#000000"><strong>Location Designation:</strong> Fully Remote </span></span></p> <p style="margin:0.0in 0.0in 0.0pt 0.0in"> </p> <p style="margin:0.0in 0.0in 0.0pt 0.0in"> </p><p style="margin:0.0in;font-size:11.0pt;font-family:Calibri, sans-serif"><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt"><strong>Role Overview</strong></span></p> <p style="margin:0.0in;font-size:11.0pt;font-family:Calibri, sans-serif"> </p> <p style="margin:0.0in;font-size:11.0pt;font-family:Calibri, sans-serif"><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt">Reporting to a Managing Underwriter, the Senior Associate Underwriter is responsible for evaluating life insurance applications and determining whether applications should be approved, declined, or if additional information is required. This role is accountable for underwriting cases with a 2-Year Total Amount at Risk (TAAR) of $2.5 million or less and primarily handles applications that include Attending Physician Statements.</span></p> <p style="margin:0.0in;font-size:11.0pt;font-family:Calibri, sans-serif"> </p> <p style="margin:0.0in;font-size:11.0pt;font-family:Calibri, sans-serif"><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt">The Senior Associate Underwriter applies underwriting guidelines, medical knowledge, and sound judgment to assess overall mortality risk and make informed recommendations on complex cases. This role works closely with agents, General Office personnel, and internal partners to support timely, accurate underwriting decisions while delivering strong customer experience. The position also contributes to underwriting projects, process improvements, and ongoing training initiatives.</span></p> <p style="margin:0.0in;font-size:11.0pt;font-family:Calibri, sans-serif"> </p> <p style="margin:0.0in;font-size:11.0pt;font-family:Calibri, sans-serif"><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt"><strong>What You'll Do</strong></span></p> <p style="margin:0.0in;font-size:11.0pt;font-family:Calibri, sans-serif"> </p> <ul style="margin-top:0.0in;margin-bottom:0.0in" type="disc"> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:14.0pt;font-family:tahoma, arial, helvetica, sans-serif"><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt">Evaluate life insurance applications and accurately classify mortality risk using medical and nonmedical information for cases with a 2-Year TAAR of up to $2.5 million, including cases involving Attending Physician Statements.</span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:14.0pt;font-family:tahoma, arial, helvetica, sans-serif"><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt">Apply underwriting guidelines, medical knowledge, and professional judgment to assess complex risk factors and determine appropriate underwriting outcomes, including approvals, substandard ratings, or declines.</span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:14.0pt;font-family:tahoma, arial, helvetica, sans-serif"><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt">Communicate underwriting requirements, application updates, reinsurance offers, reconsideration requests, and final decisions to agents and General Office personnel through both written and verbal interactions.</span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:14.0pt;font-family:tahoma, arial, helvetica, sans-serif"><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt">Maintain a strong understanding of underwriting systems, product rules, medical terminology, and mortality factors to support accurate and efficient decision-making.</span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:14.0pt;font-family:tahoma, arial, helvetica, sans-serif"><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt">Participate in training initiatives, workflow enhancements, best practice discussions, and cross-functional projects that improve underwriting processes and customer experience.</span></li> </ul> <p style="margin:0.0in;font-size:11.0pt;font-family:Calibri, sans-serif"> </p> <p style="margin:0.0in;font-size:11.0pt;font-family:Calibri, sans-serif"> </p> <p style="margin:0.0in;font-size:11.0pt;font-family:Calibri, sans-serif"><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt"><strong>What You'll Bring</strong></span></p> <p style="margin:0.0in;font-size:11.0pt;font-family:Calibri, sans-serif"> </p> <p style="margin:0.0in;font-size:11.0pt;font-family:Calibri, sans-serif"><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt"><strong>Required Skills</strong></span></p> <ul style="margin-top:0.0in;margin-bottom:0.0in" type="disc"> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:14.0pt;font-family:tahoma, arial, helvetica, sans-serif"><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt">Bachelor’s degree preferred or equivalent combination of education and relevant experience.</span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:14.0pt;font-family:tahoma, arial, helvetica, sans-serif"><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt">3+ years of life underwriting experience with demonstrated knowledge of underwriting principles and mortality assessment.</span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:14.0pt;font-family:tahoma, arial, helvetica, sans-serif"><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt">Working knowledge of medical terminology and the ability to evaluate the impact of medical impairments on mortality risk.</span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:14.0pt;font-family:tahoma, arial, helvetica, sans-serif"><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt">Strong analytical and problem-solving skills with the ability to assess complex risk profiles and make sound underwriting recommendations.</span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:14.0pt;font-family:tahoma, arial, helvetica, sans-serif"><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt">Strong verbal and written communication skills with the ability to interact effectively with agents, General Office personnel, and internal stakeholders.</span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:14.0pt;font-family:tahoma, arial, helvetica, sans-serif"><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt">Strong customer service orientation with the ability to manage relationships and provide timely, professional support.</span></li> </ul> <p style="margin:0.0in;font-size:11.0pt;font-family:Calibri, sans-serif"> </p> <p style="margin:0.0in;font-size:11.0pt;font-family:Calibri, sans-serif"> </p> <p style="margin:0.0in;font-size:11.0pt;font-family:Calibri, sans-serif"><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt"><strong>Preferred Skills</strong></span></p> <p style="margin:0.0in;font-size:11.0pt;font-family:Calibri, sans-serif"> </p> <ul style="margin-top:0.0in;margin-bottom:0.0in" type="disc"> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:14.0pt;font-family:tahoma, arial, helvetica, sans-serif"><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt">Experience underwriting cases involving Attending Physician Statements and higher complexity medical impairments.</span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:14.0pt;font-family:tahoma, arial, helvetica, sans-serif"><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt">Familiarity with reinsurance processes, underwriting systems, and insurance product rules.</span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:14.0pt;font-family:tahoma, arial, helvetica, sans-serif"><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt">Experience participating in workflow improvement initiatives, training efforts, or cross-functional projects.</span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:14.0pt;font-family:tahoma, arial, helvetica, sans-serif"><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt">Ability to balance accuracy, risk assessment, and service expectations in a fast-paced environment.</span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:14.0pt;font-family:tahoma, arial, helvetica, sans-serif"><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt">Working knowledge of underwriting models, rules engines, and automated decision tools with he ability to interpret model outputs, apply appropriate judgement, and ensure decisions align with underwriting guidelines.</span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:14.0pt;font-family:tahoma, arial, helvetica, sans-serif"><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt">Familiarity with broader technology tools e.g. CoPilot, ChatGPT, and underwriting automation tools, that enhance efficiency, decision support, and workflow effectiveness.</span></li> </ul> <p style="margin:0.0in;font-size:11.0pt;font-family:Calibri, sans-serif"> </p> <p style="margin:0.0in;font-size:11.0pt;font-family:Calibri, sans-serif"><span style="color:white"><strong><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt">#LI - EM1</span></strong></span></p> <p style="margin:0.0in;font-size:11.0pt;font-family:Calibri, sans-serif"><span style="color:white"><strong><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt">#LI - REMOTE</span></strong></span></p><p> </p> <p><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt;color:black"><strong>Pay Transparency</strong></span></p> <p><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt;color:black">Salary Range: $73,000-$124,900 </span></p> <p><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt;color:black">Overtime eligible: Exempt </span></p> <p><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt;color:black">Discretionary bonus eligible: Yes </span></p> <p><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt;color:black">Sales bonus eligible: No </span></p> <p style="margin-bottom:11.0px"><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt;color:black">Actual base salary will be determined based on several factors but not limited to individual’s experience, skills, qualifications, and job location. Additionally, employees are eligible for an annual discretionary bonus. In addition to base salary, employees may also be eligible to participate in an incentive program.</span></p> <p> </p> <div> <p> </p> <p><span style="font-family:tahoma, arial, helvetica, sans-serif;color:black"><strong><span style="font-size:14.0pt">Company Overview </span></strong></span></p> </div> <div> <p><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt;color:black">At New York Life, our 180-year legacy of purpose and integrity fuels our future. As we evolve into a more technology-, data-, and AI-enabled organization, we remain grounded in the values that drive lasting impact. </span></p> </div> <div> <p><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt;color:black">Our diverse business portfolio creates opportunities to make a difference across industries and communities—inviting bold thinking, collaborative problem-solving, and purpose-driven innovation. Here, you’ll find the rare balance of long-standing stability and forward momentum, supported by an inclusive team that honors tradition while embracing progress. </span></p> </div> <div> <p><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt;color:black">As a Fortune 100 mutual company, we offer a place to grow your skills, contribute to meaningful work, and deliver solutions that matter. Your ideas drive what’s next, and your growth powers it. </span></p> </div> <p> </p> <p><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt;color:black"><strong>Our Benefits</strong></span></p> <p><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt;color:black">We provide a full package of benefits for employees – and have unique offerings for a modern workforce, including leave programs, adoption assistance, and student loan repayment programs. Based on feedback from our employees, we continue to refine and add benefits to our offering, so that you can flourish both inside and outside of work.<strong> </strong><a style="color:black" href="https://performancemanager8.successfactors.com/doc/custom/NYLPRD/6338_0524 HR Talent Acquisition Employee Benefits PDF_NYL_FINAL.pdf"><span class="MsoHyperlink"><u style="text-decoration:underline">Click here</u></span></a><strong> </strong>to discover more about our comprehensive benefit options or visit our <a style="color:black;text-decoration:underline" href="https://nylbenefits.com/">NYL Benefits Site</a><span class="MsoHyperlink"><u style="text-decoration:underline">.</u></span><strong> </strong></span></p> <p> </p> <p><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt;color:black"><strong>Our Commitment to Inclusion</strong></span></p> <p><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt;color:black">At New York Life, fostering an inclusive workplace is fundamental to who we are and how we serve our communities. We have a longstanding commitment to creating an environment where individuals can contribute their best and succeed together. This foundation is rooted in our core values of humanity and integrity, ensuring that every employee feels valued and supported. By embracing a broad range of perspectives and experiences, we achieve greater success and fulfill our promise of providing financial security and peace of mind to families across all communities. <a style="color:black;text-decoration:underline" href="https://www.newyorklife.com/newsroom/featured-awards">Click here</a> to learn more about New York Life’s leadership in this space.​</span></p> <p><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt;color:black">Recognized as one of <em>Fortune’s</em> World’s Most Admired Companies, New York Life is committed to improving local communities through a culture of employee giving and volunteerism, supported by the <a style="color:black;text-decoration:underline" href="http://www.newyorklife.com/foundation">Foundation</a>. We're proud that due to our mutuality, we operate in the best interests of our policy owners. To learn more about career opportunities at New York Life, please visit the <a style="color:black;text-decoration:underline" href="https://www.newyorklife.com/about/careers/">Careers</a> page of <a style="color:black;text-decoration:underline" href="http://www.NewYorkLife.com">www.NewYorkLife.com</a><span class="MsoHyperlink"><u style="text-decoration:underline">.</u></span></span></p> <p><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt;color:black">​Visit our <a style="color:black;text-decoration:underline" href="https://www.linkedin.com/company/newyorklife/mycompany/">LinkedIn</a> to see how our employees and agents are leading the industry and impacting communities.</span></p> <p><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt;color:black">Visit our <a style="color:black;text-decoration:underline" href="https://www.newyorklife.com/newsroom">Newsroom</a> to learn more about how our company is constantly evolving to meet our clients' and employees’ needs.</span></p> <p><span style="font-family:tahoma, arial, helvetica, sans-serif;font-size:14.0pt;color:black">Job Requisition ID: 94106</span></p> <p> </p> </span>

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