Senior Underwriting Representative
Tampa , Florida
October 17, 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.


Appraises and underwrites new and existing business for the AARP Group Life Insurance Program and other opportunities as they arise. Assesses mortality risk with company guidelines to assure equitable treatment of applicants and meet the company’s financial objectives.


  • Daily review, analysis and final disposition, within medical and non-medical guidelines set for the issuance of contracts, of referred and assigned Enrollments, Reinstatements, Riders,Upgrades, Live Rescissions, etc. Approves, classifies and declines on own signature.
  • Approval authority capped at $50,000 total per individual life.
  • Conducts medically focused telephone interviews with applicants. This includes the use of scripted impairment questionnaires and documentation of responses. The Underwriter, however, must be well versed in a wide variety of medical impairments, treatments and      medication.
  • He/She must often go outside the script in order to execute proper risk management.
  • Reviews, analyzes and takes action on prior enrollment forms as needed. Action may include client correspondence, mail list removal and/or live rescission recommendation.
  • Utilizes Underwriting Queue.
  • Medical record review as needed.
  • Composes applicant/client correspondence such as declinations and appeal response.

Required Qualifications

  • College education preferred and/or 1-2 year(s) experience in the Underwriting or Medical fields.
  • Excellent oral, written, interpersonal and investigative skills.
  • Outstanding decision-making skills.
  • Extensive decision-making. Final case disposition performed with minimal supervision after training period. More unusual/complex cases will be solved 




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