Medical Underwriter, Sr. Associate #85130


Date: Nov 16, 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.




Reporting to the Team Manager, the Medical Underwriter, Sr. Associate is responsible for evaluating life insurance applications and determining whether applications should be approved, declined or if additional information is required. The Medical Underwriter is authorized to issue or decline all cases within their authority limit.


The Medical Underwriter, Sr. Associate predominately relies on Underwriting Guidelines to evaluate an applicant'srisk classification; however, due to the complexity associated with multiple conditions or the diversity of conditions identified within an Attending Physician Statement, they are frequently 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 Associates are expected to evaluate an applicant's overall risk profile, not simply summing the total from the individual risk factors. Technical leads, Medical Directors and Team Underwriters are available for consult as necessary; but the Medical Underwriter, Sr. Associates are expected to make a decision recommendation, not open-ended requests for insight. As the majority of applications reviewed by this role include Attending Physician Statements, a Sr. Associate must have a working knowledge of medical terminology and awareness of how various medical impairments interact and effect individual mortality and morbidity risk. Interaction with Third party Administrator personnel is also often needed. Consequently, the Medical Underwriter, Sr. Associates must have strong communication and relationship management skills. They will also be required to meet established production standards and time service standards.




  • Able to produce high volumes of work with quality results
  • Ability to train new underwriters
  • Underwrites Life and Disability Income applications
  • Reviews contestable claims for misrepresentation
  • Data Entry into Underwriting tracking system
  • Reviews and evaluates non-standard applications and supporting documents
  • Ability to differentiate multiple different requirements for numerous associations
  • Determines if additional documentation is required and requests additional information as needed
  • Decides if applicant is eligible for the plan
  • Communicates with company employees and Third Party Administrators regarding underwriting procedures and insurance policies


Authority Limits:


  • Life up to $3M
  • Disability Income up to $20K




  • Bachelor's degree preferred
  • 3-5 Years Medical Underwriting experience
  • Extensive knowledge of Medical Underwriting for Life and preferably Disability Insurance as well
  • Understanding of financial documents e.g. Tax returns
  • Excellent verbal and written communication skills
  • Data entry skills 
  • Ability to work in a paperless workflow environment
  • Ability to prioritize and multitask
  • Attention to detail and organizational skills
  • Strong interpersonal skills
  • Capable of working independently
  • Some travel may be 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: 85130




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