Senior Associate, IDI Underwriter

New York Life Insurance Co•New Milford Township, PA

21d•$90,000 - $128,500•Remote

About The Position

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.

Requirements

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
Bachelor’s degree preferred; equivalent insurance or underwriting experience considered
Typically, 5+ years of underwriting experience, with demonstrated technical expertise in IDI
Proficiency with Microsoft Office
FINRA licensed and/or FINRA Associated Person pre-hire fingerprinting

Nice To Haves

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
LOMA and/or AHIP Insurance Designations preferred (ACS, DIA, DIF, ALMI, FALU, etc.)

Responsibilities

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