Individual Disability Income Underwriter (Remote Role)


Date: Nov 27, 2021

Location: Remote, NY, US

Company: New York Life Insurance Co


When you join New York Life, you’re joining a company that values development, career growth, collaboration, innovation, and diversity & inclusion. We want employees to feel proud about being part of a company that is committed to doing the right thing. Through various resources and programs, you can grow your career while developing personally and professionally.




New York Life is seeking an experienced individual disability income (IDI) insurance underwriter.  As a member of the IDI underwriting team, you will have the unique opportunity to help develop underwriting processes and procedures and ultimately underwrite a new line of business for New York Life.  New York City is the preferred location for this position.



  • Accurately and efficiently evaluate the morbidity risk of proposed insures based on medical, occupational, and financial information to determine whether applications should be approved, modified, or declined according to company guidelines
  • Underwrite risks independently within authority limits
  • Consult with medical directors and IDI Underwriting management for the purpose of resolving complex medical and non-medical histories
  • Effectively articulate underwriting decisions and negotiate appeals of underwriting actions
  • Coordinate with third party administrator to meet, or exceed turn-around times
  • Underwrite in force changes, coverage increases and reinstatements in accordance with guidelines and authority limits
  • Work with reinsurance partners to negotiate and secure risk classification for cases that exceed morbidity standards, are above retention, or to secure a more competitive offer
  • Develop and maintain strong working knowledge of our administrative systems, product rules, underwriting guidelines, and medical, financial, and occupational factors impacting morbidity
  • Actively participate in projects that contribute to department and corporate goals
  • Assist with developing and mentoring associate underwriters
  • Participate in training and development opportunities


  • Bachelor’s degree preferred; industry related education (DIA, LOMA) desired
  • 5+ years of experience in disability/ IDI underwriting
  • Knowledge of IDI insurance products and processes, medical terminology and how various medical impairments interact and effect individual morbidity risk
  • Excellent analytical skills, written and verbal communications, and negotiation skills
  • Demonstrated ability to collaborate with individuals at all levels of the organization
  • Work effectively within a team environment, as well as independently
  • General computer proficiency required


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 volunteerism, supported by our Foundation. 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



Job Requisition ID: 84994




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