Disability Life Insurance Representative
Dallas , Texas
October 23, 2017

New York Life Insurance Company (“New York Life” or “the company”) is the largest mutual life insurance company in the United States*. Founded in 1845, New York Life is headquartered in New York City, maintains offices in all fifty states, and owns Seguros Monterrey New York Life in Mexico.


New York Life is one of the most financially strong and highly capitalized insurers in the business. The company reported 2016 operating earnings of $1.954 billion. Total assets under management at year end 2016, with affiliates, totaled $538 billion.  As of year-end 2016, New York Life’s surplus was $23.336 billion**.  New York Life holds the highest possible financial strength ratings currently awarded to any life insurer from all four of the major ratings agencies: A.M. Best, A++; Fitch AAA; Moody’s Aaa; Standard & Poor’s AA+. (Source: Individual Third Party Ratings Report as of 8/17/16).


Financial strength, integrity and humanity—the values upon which New York Life was founded—have guided the company’s decisions and actions for over 170 years.




Are you a personable, customer-service oriented individual? Are you interested in helping people protect their future? Are you interested in a career with an industry leader?  If so, New York Life Insurance Company may be the company for you.


For more than 170 years, New York Life has kept every promise made to our policyholders and their loved ones - whether to help pay for final expenses, send a child to college, or create an inheritance. We are now looking for strong customer service representatives to join our Claims & Benefits team.


Under the direction of the Manager, the Senior Disability Representative is responsible for supporting the delivery of a positive disability waiver of premium claims customer experience for our policyholders and agents of New York Life. The representative will be required to review, approve and deny initial claims and early duration continuing disability waiver of premium claims while adhering to Fair Claims Practice regulations, service standards and corporate policies. The representative will recommend approval or denial of claims over their designated authority level, initiate claims investigations, review medical records and reports and recommend referral to Office of General Counsel when appropriate. The representative is required keep abreast of claim related legal principles along with product knowledge. The representative is required to have detailed knowledge of claims systems, customer records and work with a high degree of accuracy and independence. The representative is required to explain situations clearly along with the ability to use negotiation and facilitation skills when dealing with highly sensitive customer situations, both verbally and written.


Primary Responsibilities:


  • Developed knowledge and skills in a variety of work processes through formal training and considerable work experience.
  • Developed the skills to be responsible for analyzing disability claims, understanding rider language and determining appropriate claim requirements based of a claim’s facts.
  • Prepared well written communications to insureds/representatives, internal and external counsel, underwriting and senior management.
  • Must have excellent verbal and listening skills, be detailed oriented and have the desire and ability to provide customer service in a professional positive manner while maintaining an empathetic voice with the customer/agent.
  • Takes ownership of complex cases and escalates to management as appropriate.
  • Works autonomously within established guidelines with a limited degree of supervision.
  • Develops competence by performing structured work assignments.
  • Uses existing procedures to solve routine or standard problems.
  • Receives instruction, guidance and direction from others.
  • Serves as a mentor and provides support to colleagues.
  • Adheres to Fair Claims Practices, regulations, NYL Claims service standards, Delegation of Authority and Corporate policies.



  • Bachelor's Degree. 3.0 GPA Preferred 
  • A minimum of 2 years of disability claims experience required in a related field  
  • Strong PC skills to include Word, Excel, Lotus Notes with the ability to navigate multiple applications during call handling 


Training & Development: 

Senior Disability Representatives undergo a comprehensive paid on-site training program to learn about the insurance industry, product and policy provisions and transaction processing. Coaching and feedback is provided to help you gain the necessary skills to be successful.  



Competitive full-time base salary, overtime eligibility plus target bonus 



Paid vacation, Health care, 401K match, Pension plan, Tuition assistance, & Flexible spending accounts 


Career Opportunities: 

New York Life offers a variety of corporate opportunities within the Service Organization, including supervisory, quality control, training, underwriting and claims






If you have difficulty using or interacting with any portions of this Web site due to incompatibility with an Assistive Technology, if you need the information in an alternative format, or if you have suggestions on how we can make this site more accessible, please contact us at: (212) 576-5811.


*Based on revenue as reported by “Fortune 500, ranked within Industries, Insurance: Life, Health (Mutual),” Fortune Magazine, June 17, 2016.  See http://fortune.com/fortune500/  for methodology.

**Total surplus, which includes the Asset Valuation Reserve, is one of the key indicators of the company’s long-term financial strength and stability and is presented on a consolidated basis of the company.


1. Operating earnings is the key measure use by management to track Company’s profitability from ongoing operations and underlying profitability of the business. This indicator is based on generally accepted accounting principles in the US (GAAP), with certain adjustments Company believes to be appropriate as a measurement approach (non GAAP), primarily the removal of gains or losses on investments and related adjustments.


2. Assets under management represent Consolidated Domestic and International insurance Company Statutory assets (cash and invested assets and separate account assets) and third party assets principally managed by New York Life Investment management Holdings LLC, a wholly owned subsidiary of New York Life Insurance Company.

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