Underwriting Senior Specialist


Date: May 23, 2019

Location: Cleveland, OH, US

Company: New York Life Insurance Co


A career at New York Life offers many opportunities. To be part of a growing and successful business. To reach your full potential, whatever your specialty. Above all, to make a difference in the world by helping people achieve financial security. It’s a career journey you can be proud of, and you’ll find plenty of support along the way. Our development programs range from skill-building to management training, and we value our diverse and inclusive workplace where all voices can be heard. Recognized as one of Fortune’s World’s Most Admired Companies, New York Life is committed to improving local communities through a culture of employee giving and service, supported by our Foundation. It all adds up to a rewarding career at a company where doing right by our customers is part of who we are, as a mutual company without outside shareholders. We invite you to bring your talents to New York Life, so we can continue to help families and businesses “Be Good At Life.” To learn more, please visit LinkedIn, our Newsroom and the Careers page of www.NewYorkLife.com.


Reporting to a Managing Underwriter, the Underwriting Senior Specialist is responsible for evaluating life insurance applications with a focus on quality, timeliness and productivity in order to determine whether an application should be approved, declined or if additional information is required. As this is an entry level role, Senior Specialist, Underwriting will receive significant training and oversight from management personnel. Upon completion of training, Senior Specialists are granted increasing authority to issue or decline cases with a 2-Year Total Amount at Risk of $1,000,000 or less that do not include an Attending Physician Statement as part of the application.

Underwriting Senior Specialist spredominantly rely on Underwriting Guidelines to evaluate an applicant’s risk classification; however, due to the complexity associated with multiple conditions or atypical lab results, Senior Specialist may be 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 Specialists are expected to evaluate an applicant's overall risk profile, not simply summing the total from individual risk factors. Medical Directors and Managing Underwriters are available for consult as necessary; but Senior Specialists are expected to make a decision recommendation, not open-ended requests for insight.



  • Accurately and efficiently classify the mortality risk for proposed insured’s as above average (Preferred/Select Preferred), average(Standard), below average (varying Substandard risks) based on both medical and nonmedical information on cases with 2-Year TAAR (Total Amount At Risk-Dollar amount requiring underwriting) of up to and including $1,000,000 without an Attending Physician Statement
  • Maintain a strong working knowledge of our administrative systems, product rules, and Underwriting Guidelines
  • Participate in on-going medical, financial and softskill training
  • Author messages to Agents and General Office staff regarding application status, additional requirements needed, input errors and required corrections, Reinsurance offer details and requirements, as well as the final underwriting decision and associated reason(s)



  • Bachelor's degree preferred
  • 0-2 years of work experience preferred
  • Strong verbal and written communication skills
  • Strong customer service skills required



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Nearest Major Market: Cleveland

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