Senior Associate, Medical Underwriter (Remote, any state, US)

Business Unit Overview

As part of New York Life’s Group Membership Association Division, you'll be working with the nation’s No. 1 provider of life and disability income insurance solutions for association/affinity programs. Beyond the tailored life and disability income insurance solutions you provide, your work fosters a sense of community and shared support within affinity groups.

Role Overview

Reporting to the Team Manager, the Medical Underwriter, Sr. Associate is responsible for evaluating life insurance applications and determining whether applications should be approved, declined or if additional information is required. The Medical Underwriter is authorized to issue or decline all cases within their authority limit.

The Medical Underwriter, Sr. Associate predominately relies on Underwriting Guidelines to evaluate an applicant's risk classification; however, due to the complexity associated with multiple conditions or the diversity of conditions identified within an Attending Physician Statement, they are frequently required to make assessments of applicant risk absent specific direction from the Underwriting Guidelines. Whether synthesizing the mortality risk of medical labs and family history or discounting the mortality risks of highly correlated factors such as motor vehicle reports and avocations, Senior Associates are expected to evaluate an applicant's overall risk profile, not simply summing the total from the individual risk factors. Technical leads, Medical Directors and Team Underwriters are available for consult as necessary; but the Medical Underwriter, Sr. Associates are expected to make a decision recommendation, not open-ended requests for insight. As the majority of applications reviewed by this role include Attending Physician Statements, a Sr. Associate must have a working knowledge of medical terminology and awareness of how various medical impairments interact and effect individual mortality and morbidity risk. Interaction with Third Party Administrator personnel is also often needed. Consequently, the Medical Underwriter, Sr. Associates must have strong communication and relationship management skills. They will also be required to meet established production standards and time service standards.

What You’ll Do

• Able to produce high volumes of work with quality results
• Ability to train new underwriters
• Underwrites Life and Disability Income applications
• Reviews contestable claims for misrepresentation
• Data Entry into Underwriting tracking system
• Reviews and evaluates non-standard applications and supporting documents
• Ability to differentiate multiple different requirements for numerous associations
• Determines if additional documentation is required and requests additional information as needed; decides if applicant is eligible for the plan
• Communicates with company employees and Third Party Administrators regarding underwriting procedures and insurance policies

Authority Limits

• Life up to $3M
• Disability Income up to $20K

What You’ll Bring

Qualifications

• Bachelor's degree preferred
• 3-5+ Years Medical Underwriting experience required
• Extensive knowledge of Medical Underwriting for Life Insurance. Disability knowledge is preferred; however, appropriate training will be provided in absence of that experience.
• Excellent verbal and written communication skills
• Data entry skills
• Ability to work in a paperless workflow environment
• Ability to prioritize and multitask
• Attention to detail and organizational skills
• Strong interpersonal skills
• Capable of working independently

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.