United States onlyJob Requisition ID: 93979
Location Designation: Fully Remote
ROLE OVERVIEW:
The Individual Disability Income Underwriter serves as an experienced underwriter within the Individual Disability Income organization, providing underwriting expertise to support sound risk selection, consistency, and quality outcomes across a growing line of business. This role partners closely with underwriting leadership and peers to execute underwriting strategy, contribute to process refinement, and support the continued evolution of underwriting practices.
In addition to core underwriting responsibilities, the role operates within a structured environment designed to promote sustainable workloads and high-quality decision making. The team is experienced and collaborative, with strong bench strength and direct access to leadership, enabling visibility into decisions and opportunities to contribute to initiatives that shape the function.
The ideal candidate brings deep morbidity underwriting expertise, strong analytical and decision-making skills, and the ability to operate effectively in a fast-paced environment. This role may be performed remotely, with the expectation of periodic travel to New York City.
What You'll Do:
- Evaluate IDI applications and determine whether applications should be approved, declined, or if additional information is required based on morbidity, financial, and occupational risks according to company guidelines
- Interpret underwriting policy and implement established guidelines, department procedures, and regulatory directives
- Keep current on medical, financial, occupational and multi-life IDI underwriting related developments; be aware of changes in IDI underwriting market practices and follow appropriate response
- Work effectively with third party administrator in the timely and accurate management of all IDI underwriting cases
- Proactively engage with agents and product consultants to explain and position underwriting decisions, including modified offers, to support successful case placement
- Collaborate with agency distribution to promote the IDI product line and build a strong reputation for competitive and responsible offers while delivering professional, timely communication
- Work with our reinsurance partners to negotiate and secure risk classification
- Participate in personal training and development opportunities
- Consult with medical directors and IDI Underwriting management for the purpose of resolving complex medical and non-medical histories
- Assist with developing and mentoring junior underwriters
What You'll Bring:
- Experience in handling complex IDI underwriting cases; proven ability to evaluate financial, medical and occupational information to determine the most appropriate underwriting offer; strong working knowledge of medical terminology and awareness of how various medical impairments interact and affect individual morbidity risk
- Experience leveraging AI tools to enhance the underwriting process, improve workflow and gain efficiencies
- Experience with using rules engines, predictive models is a plus
- Experience with using AI-driven medical record summaries, RX and DX data, and DHD in IDI risk assessment is preferred
- Bachelor’s degree preferred; equivalent insurance or underwriting experience considered
- Typically, 5+ years of underwriting experience, with demonstrated technical expertise in IDI
- LOMA and/or AHIP Insurance Designations preferred (ACS, DIA, DIF, ALMI, FALU, etc.)
- Proficiency with Microsoft Office
Pay Transparency
Salary Range: $90,000-$128,500
Overtime eligible: Exempt
Discretionary bonus eligible: Yes
Sales bonus eligible: No
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.
Please note: This role requires FINRA licensed and/or FINRA Associated Person pre-hire fingerprinting.
Company Overview
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.
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.
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.
Our Benefits
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.Click hereto discover more about our comprehensive benefit options or visit our NYL Benefits Site.
Our Commitment to Inclusion
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. Click here to learn more about New York Life’s leadership in this space.
Recognized as one of Fortune’s 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 Foundation. 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 Careers page of www.NewYorkLife.com.
Visit our LinkedIn to see how our employees and agents are leading the industry and impacting communities.
Visit our Newsroom to learn more about how our company is constantly evolving to meet our clients' and employees’ needs.
