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Insurance Underwriter  What They Do

Just the Facts


Reviews individual applications for insurance to evaluate degree of risk involved and determine acceptance of applications.

This career is part of the Finance cluster Insurance pathway.


A person in this career:

  • Decreases value of policy when risk is substandard and specifies applicable endorsements or applies rating to ensure safe profitable distribution of risks, using reference materials.
  • Declines excessive risks.
  • Writes to field representatives, medical personnel, and others to obtain further information, quote rates, or explain company underwriting policies.
  • Reviews company records to determine amount of insurance in force on single risk or group of closely related risks.
  • Examines documents to determine degree of risk from such factors as applicant financial standing and value and condition of property.
  • Authorizes reinsurance of policy when risk is high.
  • Evaluates possibility of losses due to catastrophe or excessive insurance.

Insider Info

Dig into the details and check out what people in this job have to say about their work.



Working Conditions and Physical Demands

People who do this job report that:

  • You would sit most of the time. There's some walking and standing. You may have to lift and carry things like books, papers or tools weighing 10 lbs. or less.
  • Work in this occupation requires being inside most of the time
  • Work in this occupation involves making repetitive motions more than one-third of the time
  • Work in this occupation involves sitting more than one-third of the time

Working in this career involves (physical activities):

  • Seeing clearly up close
  • Speaking clearly enough to be able to be understood by others
  • Identifying and understanding the speech of another person

Work Hours and Travel

  • Regular working hours and limited travel

Specialty and Similar Careers

Careers that are more detailed or close to this career:

  • Health Underwriter -- Determines whether to accept, modify or decline a financial risk through evaluation of an individual's medical history or physical condition, occupational hazards, and other pertinent information.
  • Marine Underwriter -- Provides marine insurance to clients to ensure that they are protected by unforeseen losses and casualties.
  • Property Underwriter --
  • Risk Analyst --