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New York Life Insurance Company
Senior Associate, Long-Term Care (LTC) Insurance Underwriter
Full Job Description

Location Designation:Fully Remote

Our New York Life culture has laid the foundation for over 180 years of commitment to our employees, agents, policy owners, and the communities where we live and work. Here you become a valued part of a welcoming, inclusive, and caring organization with a long-standing legacy in stability and growth. The strength revolves around our diversified, multi-dimensional business portfolio that goes beyond life insurance.

As a Fortune 100 company and industry leader, we provide an environment where you can explore your career ambitions, offering opportunities to tackle meaningful challenges and stretch your skills while balancing work and life priorities. You willbe part ofan inclusive teamguided by our belief to always be there for each other-providing the support and flexibilityto grow and reach new heights while making an impact in the lives of others.

You are our future, and we commit to investing in you accordingly.

Role Overview:

We are seeking a detail-oriented and experienced Long-Term Care (LTC) Insurance Underwriter to join our team. The successful candidate will be responsible for evaluating, classifying, and rating insurance applications to ensure compliance with company guidelines and underwriting criteria. This role requires a thorough understanding of medical terminology and the impact of various medical impairments on individual morbidity risk. The ideal candidate will possess robust critical thinking skills, strong analytical skills, the ability to make decisive recommendations, and excellent communication and customer service skills.

What You'll Do:


* Analyze and evaluate insurance applications to determine the risk involved and decide whether to approve, decline, or request additional information.
* Classify morbidity risk for proposed insureds based on medical information, including medical history, cognitive test scores, medical records, and prescription and claims databases.
* Adhere to underwriting guidelines and procedures to ensure decisions align with corporate standards while maintaining productivity levels set by management.
* Respond to appealed decisions, reinstatements, and plan change requests. Prepare responses to special circumstance letters to applicants, agents, and medical professionals.
* Answer inquiries regarding eligibility, policies, underwriting guidelines, and compliance procedures.
* Exhibit effective communication and customer service skills both internally and externally, including professional verbal and written communication with team members, agents, clients, and field force.
* Consistently deliver high-quality underwriting decisions while meeting productivity expectations

What You'll Bring:


* Bachelor's Degree preferred, BS, RN, or equivalent insurance industry experience.
* A minimum of 3 years of LTC underwriting experience, including working with agents, is preferred.
* Acceptable alternatives include life, disability, or health insurance underwriting experience.

* Solid understanding of risk factors relating to morbidity risk management.
* Knowledge of medical terminology or medical evaluation.
* Strong communication skills, both oral and written.
* Proficient PC skills.
* Effective time management skills.
* Strong organizational skills and good mathematical aptitude.
* Ability to manage multiple priorities in a fast-paced, deadline-driven environment.
* Ability to work independently on multiple projects.

Pay Transparency

Salary Range:$67,500-$117,500

Overtime eligible:Exempt

Discretionary bonus eligible:Yes

Sales bonus eligible:No

Actual base salary will be determined based on several factors but not limited to individual's experience, skills, qualifications, and job location. Additionally, employees are eligible for an annual discretionary bonus. In addition to base salary, employees may also be eligible to participate in an incentive program.

Our Benefits

We provide a full package of benefits for employees - and have unique offerings for a modern workforce, including leave programs, adoption assistance, and student loan repayment programs. Based on feedback from our employees, we continue to refine and add benefits to our offering, so that you can flourish both inside and outside of work. Click here to discover more about our comprehensive benefit options or visit our NYL Benefits Site.

Our Commitment to Inclusion
At New York Life, fostering an inclusive workplace is fundamental to who we are and how we serve our communities. We have a longstanding commitment to creating an environment where individuals can contribute their best and succeed together. This foundation is rooted in our core values of humanity and integrity, ensuring that every employee feels valued and supported. By embracing a broad range of perspectives and experiences, we achieve greater success and fulfill our promise of providing financial security and peace of mind to families across all communities. Click here to learn more about New York Life's leadership in this space.

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 theFoundation.We're proud that due to our mutuality, we operate in the best interests of our policy owners. To learn more about career opportunities at New York Life, please visit the Careers page of www.NewYorkLife.com.

PDN-9f123d20-a54e-42d8-8566-d6bd22873bc5
Job Information
Job Category:
Insurance
Spotlight Employer
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Senior Associate, Long-Term Care (LTC) Insurance Underwriter
New York Life Insurance Company
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Jun 4, 2025
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