Lead Disability Underwriter (Insurance)

TL;DR

Lead Disability Underwriter (Insurance): Leading the modernization of Disability Income underwriting manuals and evidence-based medical guidelines with an accent on digital transformation and long-term risk performance. Focus on translating complex medical and actuarial insights into actionable underwriting guidance and supporting the development of automated decisioning tools.

Location: Springfield, Massachusetts (Onsite)

Salary: $163,900–$215,000

Company

A major mutual insurance company focused on long-term financial protection and risk management.

What you will do

• Lead the modernization and ongoing evolution of the Disability Income medical underwriting manual to ensure it remains innovative and evidence-based.
• Develop medical underwriting guidelines by analyzing clinical research, claims experience, and emerging industry trends.
• Partner with Claims, Pricing, Medical Directors, and Compliance teams to align guidance with risk objectives.
• Translate complex medical, actuarial, and claims insights into clear, actionable guidance for consistent risk assessment.
• Support the development of digital underwriting capabilities, including rules-based decisioning tools and knowledge bases.
• Act as a strategic subject matter expert to strengthen risk governance and underwriting quality.

Requirements

• 10+ years of relevant work experience in DI Insurance Underwriting.
• Proven experience in research and writing formal underwriting guidelines.
• Mastery of individual DI insurance practices, underwriting standards, and operations.
• Ability to research medical literature and translate it into underwriting actions.
• Established approval limit without requiring a second signature.
• Must be based in or able to work from Springfield, Massachusetts.

Nice to have

• Bachelor’s Degree.
• Industry designations such as ALU, LOMA, ALMI, FMLI, FALU, DIA, DIF, RHU, or CLU.
• Direct experience developing medical underwriting manuals or formal guideline frameworks.
• Familiarity with impairment-based underwriting frameworks and clinical risk stratification.
• Experience supporting the implementation of automated or digital underwriting rules.

Culture & Benefits

• Clear areas of ownership and accountability directly connected to company outcomes.
• Collaborative environment where diverse perspectives are welcomed.
• Access to professional learning, development, and internal networking.
• Employee-led communities and forums fostering connection and inclusion.
• Culture grounded in integrity, responsibility, and stewardship.