Medical Consultant

MassMutual

. Evaluate complex and medically challenging individual life insurance underwriting and disability claims referrals .

Posted 9/18/2026full-timeRemote • California • United StatesSeniorLead💰 $107,700 - $141,300 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in evaluating complex life insurance underwriting and disability claims, with a strong focus on interpreting medical records, EKG/ECG results, and mortality and morbidity risk assessment. Possesses advanced clinical credentials and a deep understanding of insurance medicine and risk assessment methodologies.

Highest-signal resume keywords

Bachelor Of Science In NursingActive RN License7+ Years Clinical Healthcare ExperienceEKG/ECG InterpretationCertification In Insurance Medicine

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Medical Record ReviewMortality Risk AssessmentMorbidity Risk AssessmentDiagnostic Testing InterpretationUnderwriting Guidelines Development

Soft Skills

Strong Written CommunicationStrong Verbal Communication

Tools & Technologies

Clinical Decision-Support ToolsUnderwriting Medical Manuals

Certifications & Qualifications

APRNNPCNSPA-CMDDOALUFALUFLMICLU

Industry Keywords

Life InsuranceDisability InsuranceInsurance MedicineClinical DevelopmentsTreatment Advances

About the role

Key responsibilities & impact

Evaluate complex and medically challenging individual life insurance underwriting and disability claims referrals
Review, interpret, and evaluate attending physician statements, medical records, laboratory results, diagnostic studies, and specialist reports
Identify relevant mortality and morbidity risks
Read and interpret EKG/ECG results and other diagnostic testing
Provide education and medical consultation to underwriters, claims examiners, and business partners
Lead and contribute to the development, review, maintenance, and enhancement of underwriting medical manuals, guidelines, and reference materials
Maintain expert-level knowledge of medical literature, clinical developments, treatment advances, and emerging trends relevant to insurance medicine and risk assessment

Requirements

What you’ll need

Bachelor of Science in Nursing
Active license as one of: RN, NP, APRN, or PA
7+ years of clinical healthcare experience in a medical, nursing, or advanced practice setting
7+ years of experience reviewing and interpreting medical records, physician documentation, laboratory reports, and diagnostic testing
1+ year of experience interpreting EKG/ECG findings within a clinical or insurance medical setting
Advanced clinical credential such as APRN, NP, CNS, PA-C, MD, or DO (ideal)
Certification in Insurance Medicine, such as ALU, FALU, FLMI, CLU, or equivalent insurance-related designation (ideal)
Experience developing underwriting guidelines, medical manuals, or clinical decision-support tools (ideal)
Experience designing and delivering training programs for underwriting, claims, or medical professionals (ideal)
Bilingual proficiency in Spanish and/or Mandarin (ideal)
Expertise in mortality and morbidity risk assessment within life insurance, disability insurance, or related financial services environments (ideal)
Experience leading cross-functional initiatives and influencing business partners on medical risk strategy (ideal)
Strong written and verbal communication skills (ideal)

Benefits

Comp & perks

Competitive salaries
Incentive and bonus opportunities
Clear areas of ownership and accountability
Collaborative environment where perspectives are welcomed
Access to learning, development, and internal networks
Employee-led communities and forums supporting connection, learning, and inclusion
Inclusive, vibrant, and diverse culture
Industry leading pay and benefits
Accommodation support during the application process