Job Description

Job Title: Senior Underwriter – Disability Income Insurance

Location: Springfield, MA or Miami, FL (Hybrid)

Industry: Insurance / Risk Management

Employment Type: Full-Time

About the Role

A leading provider of specialized insurance solutions is seeking a Senior Underwriter to join its Disability Income Insurance division. This role focuses on underwriting policies for impaired risks—individuals with pre-existing medical conditions or those who have been declined by standard insurance markets. You'll be a key part of a nimble, high-impact team with the opportunity to influence product development and strategic initiatives.

Key Responsibilities

• Underwrite complex individual disability income cases, particularly for impaired risk applicants
• Review and analyze APS, physician reports, lab results, and medication histories
• Approve or decline cases in a timely manner, applying clinical and financial judgment
• Manage a pipeline of approximately 100 active cases
• Collaborate with internal stakeholders on product development and competitive market analysis
• Contribute to special projects and strategic initiatives with senior leadership
• Foster strong, collaborative relationships with top producers and external partners
• Ensure compliance with underwriting policies, procedures, and data accuracy
• Participate in the design and enhancement of underwriting tools and capabilities

Ideal Candidate Profile

• Bachelor's degree
• 3–7 years of experience in disability underwriting (individual, not group)
• Demonstrated ability to evaluate complex medical and financial risk
• Strong working knowledge of underwriting manuals, APS interpretation, and the brokerage marketplace
• High attention to detail and ability to manage multiple priorities in a dynamic environment
• Excellent communication skills, with a collaborative and entrepreneurial mindset
• Comfortable working independently and contributing to a small, agile team

Technical Competencies

• Underwriting impaired life and disability risk
• Risk assessment and case decisioning
• Familiarity with competitive products and underwriting strategies
• Project management and product development support experience preferred

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