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New York Life

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. As a Fortune 100 mutual company, we offer a place to grow your skills, contribute to meaningful work, and deliver solutions that matter. 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. 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.

Senior Associate, Morbidity Underwriting Risk & Quality Solutions

Location

United States

Posted

3 days ago

Salary

$100K - $143K / year

Seniority

Senior

No structured requirement data.

Job Description

Senior Associate, Morbidity Underwriting Risk & Quality Solutions

New York Life

Role Description 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. 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. Requirements - 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. Benefits - Salary Range: $100,000-$143,000. - Overtime eligible: Exempt. - Discretionary bonus eligible: Yes. - Sales bonus eligible: No. - Annual discretionary bonus eligibility. - Participation in an incentive program.

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