Life Underwriting Training Program
Location: 100% Remote / Virtual (U.S. based)
Start Date: 6/1/2026
The Opportunity
At MassMutual, we are investing in the future of underwriting by developing the next generation of underwriting talent. As part of our continued growth and commitment to excellence, we are launching a Life Underwriting Training Program designed to equip high‑potential individuals with the skills, knowledge, and experience to become successful Life Underwriters.
If you are analytical, curious, and motivated by the opportunity to help individuals and families protect what matters most, this role offers a clear and supported pathway into a rewarding underwriting career.
Why This Opportunity
Structured, cohort‑based underwriting training program
Clear progression path toward Life Underwriter authority
Hands‑on learning with experienced underwriters and mentors
Exposure to both traditional and accelerated underwriting environments
Collaborative, people‑first culture focused on learning and development
The Team
MassMutual’s underwriting organization plays a critical role in delivering on our promise to customers and advisors. We are a collaborative, customer‑focused team that balances strong risk management with innovative underwriting solutions.
We partner closely with advisors and internal teams to ensure thoughtful, consistent, and high‑quality underwriting decisions.
The Impact
As an Underwriter Trainee you will participate in a comprehensive training and development program designed to build foundational underwriting knowledge and prepare you to assess Life insurance risk.
You will learn how to evaluate applications, analyze medical and financial risk factors, support underwriting decisions, and develop strong analytical and communication skills aligned to MassMutual’s underwriting standards.
Key responsibilities include, but are not limited to:
Learn to evaluate mortality risk using applications, medical data, and related reports
Develop foundational knowledge in medical, financial, and lay underwriting; support cases up to $1M
Learn and apply accelerated underwriting pathways (no‑touch, lite‑touch, traditional)
Clearly document underwriting rationale and meet quality, service, and production milestones
Partner with managers, mentors, and internal teams to resolve case questions and escalations
Communicate clearly and professionally while contributing to a collaborative team environment
Training Program Overview
10–12 weeks of virtual classroom training (Start Date – 6/1)
1 week of in‑person training at the Springfield, MA campus (Monday 9/14 – Friday, 9/18)
Industry Education Requirements
LOMA 281 & 291 (within 7 months of hire)
ALU 101 (within the first calendar year)
Medical terminology coursework
Ongoing participation in underwriting learning sessions
Minimum Qualifications
High school diploma or equivalent
3+ years of professional work experience
1+ years experience working in a fast-paced or changing environment where priorities, processes, or expectations may shift
1+ years demonstrated analytical thinking and problem‑solving skills
Preferred Qualifications
Bachelor’s degree
Ability to communicate effectively in Spanish or Mandarin
2+ years of working experience in the insurance or financial services industry or in a customer‑facing role
Demonstrated experience producing clear, accurate written communications (e.g., emails, reports, documentation, or presentations) for internal or external stakeholders.
Experience resolving routine to moderately complex problems by following defined processes, guidelines, or escalation paths.
Ability to work effectively in a fast‑paced, evolving environment
Experience in insurance, underwriting, or financial services
Ability to manage multiple priorities and deadlines
Strong written and verbal communication skills
Technical aptitude and comfort with digital tools
Ability to work both independently and collaboratively
Regular meetings with the Advanced Sales Team
Focused one-on-one meetings with your manager
Networking opportunities including access to Asian, Hispanic/Latinx, African American, women, LGBTQIA+, veteran and disability-focused Business Resource Groups
Access to learning content on Degreed and other informational platforms
What to Expect as Part of MassMutual and the Team
Regular meetings with the Life Underwriting Team
Focused one-on-one meetings with your manager
Networking opportunities including access to Asian, Hispanic/Latinx, African American, women, LGBTQIA+, veteran and disability-focused Business Resource Groups
Access to learning content on Degreed and other informational platforms
Your ethics and integrity will be valued by a company with a strong and stable ethical business with industry leading pay and benefits
Salary Range:
$57,000-$71,800At MassMutual, we focus on ensuring fair equitable pay, by providing competitive salaries, along with incentive and bonus opportunities for all employees. Your total compensation package includes either a bonus target or in a sales-focused role a Variable Incentive Compensation component.
Why Join Us.
We’ve been around since 1851. During our history, we’ve learned a few things about making sure our customers are our top priority. In order to meet and exceed their expectations, we must have the best people providing the best thinking, products and services. To accomplish this, we celebrate an inclusive, vibrant and diverse culture that encourages growth, openness and opportunities for everyone. A career with MassMutual means you will be part of a strong, stable and ethical business with industry leading pay and benefits. And your voice will always be heard.
We help people secure their future and protect the ones they love. As a company owned by our policyowners, we are defined by mutuality and our vision to put customers first. 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. At MassMutual, we Live Mutual.
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.
At MassMutual, we focus on ensuring fair, equitable pay by providing competitive salaries, along with incentive and bonus opportunities for all employees. Your total compensation package includes either a bonus target or in a sales-focused role a Variable Incentive Compensation component. For more information about our extensive benefits offerings please check out our Total Rewards at a Glance.