LTC Underwriter (Remote Role)


Date: Jun 13, 2022

Location: Remote, NY, US

Company: New York Life Insurance Co



When you join New York Life, you’re joining a company that values career development, collaboration, innovation, and inclusiveness. We want employees to feel proud about being part of a company that is committed to doing the right thing. You’ll have the opportunity to grow your career while developing personally and professionally through various resources and programs. New York Life is a relationship-based company and appreciates how both virtual and in-person interactions support our culture.


Position Summary

The successful candidate for this position in Underwriting, will be required to examine, review, evaluate, classify and rate applicants in order to determine compliance with company guidelines, underwriting criteria, philosophy, and policies and procedures. Ensure timeliness, accuracy, and productivity levels established by management. Provide leadership to lower level underwriters in their file review and underwriting in accordance with established protocols and underwriting criteria. This is a remote role.



  • Review and evaluate LTC Solutions applications and supporting documents to ensure accuracy and completeness
  • Using established protocols, underwriting guidelines and procedures, analyze risk, ensuring decisions are consistent with corporate guidelines
  • Approves, declines or rates the application within the established criteria, while utilizing clinical judgement, within the prescribed guidelines
  • Assess risk of Long-Term Care while using medical and cognitive information while processing at or above the prescribed productivity level established by management
  • Demonstrates knowledge to underwrite multiple products accurately within the protocols specified for each product.
  • Quickly but carefully read, analyze and interpret medication on lists, medical records, phone and in-person assessments, cognitive test scores, and MIB and Prescription profile results
  • Determine if additional documentation is required and request additional documentation if appropriate
  • Review and respond to Appealed decisions
  • Review and process Plan Change requests
  • Answer inquiries regarding eligibility, policies, underwriting guidelines, and compliance procedures.
  • Demonstrate effective communication and customer service skills both internally and externally, that includes use of all systems and communication within systems, appropriate wording of letters, professional verbal communication with team members, Agents, Clients, and Field force.
  • Prepare responses to special circumstance letters to applicants, Agents, and medical professionals
  • Complete any special projects assigned



  • Understanding of risk factors relating to morbidity risk management and long-term care insurance products and riders
  • Medical Terminology or medical evaluation
  • Strong skills in communication both oral and written
  • Proficient PC Skills
  • Time Management Skills
  • Strong organizational skills and good math aptitude
  • Ability to perform in high stress environment
  • Ability to work independently on multi-projects.



  • Bachelor’s Degree Preferred, BS, RN or equivalent insurance industry experience.
  • Minimum of 5 years LTC underwriting experience including working with Agents
  • Acceptable Alternatives are disability, health, or life insurance underwriting experience


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 the Foundation. We're proud that due to our mutuality, we operate in the best interests of our policy owners. 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: 86882




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