Job Requisition ID: 93989
Location Designation: Fully Remote
Role Overview
The Senior Associate, Morbidity Underwriting Risk & Quality Solutions is an advanced individual contributor responsible for ensuring the quality, consistency, and effectiveness of morbidity underwriting decisions across Long Term Care and Individual Disability Insurance.
This role owns morbidity underwriting quality insights, monitoring, and reporting, and plays a critical role in identifying trends, assessing adherence to guidelines, and driving improvements to underwriting practices, tools, and processes.
The individual operates with a high degree of independence, applying deep underwriting expertise and analytical judgment to evaluate outcomes, influence decision-making, and support continuous improvement across underwriting and modernization efforts.
What You’ll Do:
Quality Oversight & Case Review
- Perform post-decision reviews of LTC and IDI underwriting cases to assess accuracy, consistency, and alignment with morbidity underwriting guidelines
- Apply expert judgment to evaluate whether underwriting decisions are equitable, balanced, and aligned with intended risk outcomes
- Identify decision inconsistencies, guideline deviations, training opportunities and areas of elevated risk
Trend Analysis & Insight Generation
- Own monitoring and analysis of morbidity underwriting quality trends across products, cohorts, and distribution channels
- Identify patterns in decisioning, including inconsistencies, leakage, or emerging risks
- Develop and maintain dashboards and reporting to track quality metrics and performance over time
Process Improvement & Recommendations
- Drive recommendations to improve underwriting quality and consistency, including:
- Training needs
- Updates to underwriting guidelines and procedures
- Enhancements to rules, tools, and systems
- Partner with underwriting leadership to prioritize and implement improvements
Cross-Functional Collaboration & Influence
- Collaborate with Morbidity Underwriting Managers, Product, and Underwriting Modernization teams to translate insights into actionable improvements
- Provide input into model evaluation, rule changes, and system enhancements impacting morbidity underwriting
- Facilitate working sessions to align stakeholders on findings, root causes, and solutions
Subject Matter Expertise & Governance Support
- Serve as a subject matter expert in morbidity underwriting quality and best practices
- Ensure adherence to underwriting guidelines, regulatory requirements, and internal standards
- Support governance routines by providing clear, data-driven insights into underwriting performance and quality
What You’ll Bring:
Required Qualifications
- 5–10+ years of experience in life/health, LTC, or IDI underwriting with strong morbidity expertise
- Deep understanding of underwriting guidelines, risk assessment, and decision frameworks
- Experience reviewing complex underwriting decisions and identifying inconsistencies or risk patterns
- Strong analytical skills with ability to synthesize data and generate actionable insights
- Experience with reporting and data visualization tools (e.g., Excel, Qlik, Tableau, Power BI, SQL)
- Proven ability to influence cross-functional stakeholders without direct authority
- Strong written and verbal communication skills
Preferred Qualifications
- Experience in underwriting quality control, audit, or second-line review functions
- Experience supporting underwriting automation, models, or rules engines
- Experience using AI tools or willingness to research and build AI tools for efficiency of reviews.
- Industry designations (FLMI, FALU, DIA, DIF LTCP.)
- Experience working in Agile or product-based environments
Success Measures
- Improved consistency and accuracy of morbidity underwriting decisions
- Reduction in guideline deviations and quality defects
- Measurable improvements in underwriting outcomes and risk alignment
- Adoption of recommended process, guideline, and system enhancements
- Strength of cross-functional alignment and stakeholder engagement
#LI - EM1
#LI - REMOTE
Pay Transparency
Salary Range: $100,000-$143,000
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.
Please note: This role requires FINRA licensed and/or FINRA Associated Person pre-hire fingerprinting.
Company Overview
At New York Life, our 180-year legacy of purpose and integrity fuels our future. As we evolve into a more technology-, data-, and AI-enabled organization, we remain grounded in the values that drive lasting impact.
Our diverse business portfolio creates opportunities to make a difference across industries and communities—inviting bold thinking, collaborative problem-solving, and purpose-driven innovation. Here, you’ll find the rare balance of long-standing stability and forward momentum, supported by an inclusive team that honors tradition while embracing progress.
As a Fortune 100 mutual company, we offer a place to grow your skills, contribute to meaningful work, and deliver solutions that matter. Your ideas drive what’s next, and your growth powers it.
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 the Foundation. 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.
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Job Requisition ID: 93989
