Senior Disability Income Underwriter

Job Title : Senior Underwriter – Disability Income Insurance

Location : Springfield, MA or Miami, FL (Hybrid)

Industry : Insurance / Risk Management

Employment Type : Full-Time

About the Role

A leading provider of specialized insurance solutions is seeking a Senior Underwriter to join its Disability Income Insurance division. This role focuses on underwriting policies for impaired risks—individuals with pre-existing medical conditions or those who have been declined by standard insurance markets. You'll be a key part of a nimble, high-impact team with the opportunity to influence product development and strategic initiatives.

Key Responsibilities

• Underwrite complex individual disability income cases, particularly for impaired risk applicants
• Review and analyze APS, physician reports, lab results, and medication histories
• Approve or decline cases in a timely manner, applying clinical and financial judgment
• Manage a pipeline of approximately 100 active cases
• Collaborate with internal stakeholders on product development and competitive market analysis
• Contribute to special projects and strategic initiatives with senior leadership
• Foster strong, collaborative relationships with top producers and external partners
• Ensure compliance with underwriting policies, procedures, and data accuracy
• Participate in the design and enhancement of underwriting tools and capabilities

Ideal Candidate Profile

Technical Competencies