Senior Associate, IDI Underwriter (Remote, PA, US)

Job Requisition ID: 93979 Location Designation: Fully Remote ROLE OVERVIEW: The Individual Disability Income Underwriter serves as an experienced underwriter within the Individual Disability Income organization, providing underwriting expertise to support sound risk selection, consistency, and quality outcomes across a growing line of business. This role partners closely with underwriting leadership and peers to execute underwriting strategy, contribute to process refinement, and support the continued evolution of underwriting practices.In addition to core underwriting responsibilities, the role operates within a structured environment designed to promote sustainable workloads and high-quality decision making. The team is experienced and collaborative, with strong bench strength and direct access to leadership, enabling visibility into decisions and opportunities to contribute to initiatives that shape the function.The ideal candidate brings deep morbidity underwriting expertise, strong analytical and decision-making skills, and the ability to operate effectively in a fast-paced environment. This role may be performed remotely, with the expectation of periodic travel to New York City.What You'll Do:Evaluate IDI applications and determine whether applications should be approved, declined, or if additional information is required based on morbidity, financial, and occupational risks according to company guidelinesInterpret underwriting policy and implement established guidelines, department procedures, and regulatory directivesKeep current on medical, financial, occupational and multi-life IDI underwriting related developments; be aware of changes in IDI underwriting market practices and follow appropriate responseWork effectively with third party administrator in the timely and accurate management of all IDI underwriting casesProactively engage with agents and product consultants to explain and position underwriting decisions, including modified offers, to support successful case placementCollaborate with agency distribution to promote the IDI product line and build a strong reputation for competitive and responsible offers while delivering professional, timely communicationWork with our reinsurance partners to negotiate and secure risk classificationParticipate in personal training and development opportunitiesConsult with medical directors and IDI Underwriting management for the purpose of resolving complex medical and non-medical historiesAssist with developing and mentoring junior underwritersWhat You'll Bring:Experience in handling complex IDI underwriting cases; proven ability to evaluate financial, medical and occupational information to determine the most appropriate underwriting offer; strong working knowledge of medical terminology and awareness of how various medical impairments interact and affect individual morbidity riskExperience leveraging AI tools to enhance the underwriting process, improve workflow and gain efficienciesExperience with using rules engines, predictive models is a plusExperience with using AI-driven medical record summaries, RX and DX data, and DHD in IDI risk assessment is preferredBachelor’s degree preferred; equivalent insurance or underwriting experience consideredTypically, 5+ years of underwriting experience, with demonstrated technical expertise in IDILOMA and/or AHIP Insurance Designations preferred (ACS, DIA, DIF, ALMI, FALU, etc.)Proficiency with Microsoft OfficePay TransparencySalary Range: $90,000-$128,500 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.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 BenefitsWe 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 prog