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Insurance Underwriters

Also called: Account Underwriter, Customer Service Representative, Personal Lines Underwriter, Underwriter

What they do:
Review individual applications for insurance to evaluate degree of risk involved and determine acceptance of applications.
On the job, you would:
  • Decrease value of policy when risk is substandard and specify applicable endorsements or apply rating to ensure safe profitable distribution of risks, using reference materials.
  • Decline excessive risks.
  • Write to field representatives, medical personnel, and others to obtain further information, quote rates, or explain company underwriting policies.


  • medicine and dentistry
Arts and Humanities
  • English language
  • customer service
  • administrative services
Math and Science
  • arithmetic, algebra, geometry, calculus, or statistics


Basic Skills
  • listening to others, not interrupting, and asking good questions
  • reading work related information
Problem Solving
  • noticing a problem and figuring out the best way to solve it
People and Technology Systems
  • thinking about the pros and cons of different options and picking the best one
  • figuring out how a system should work and how changes in the future will affect it


  • read and understand what is written
  • listen and understand what people say
Ideas and Logic
  • make general rules or come up with answers from lots of detailed information
  • use rules to solve problems


People interested in this work like activities that include data, detail, and regular routines.
They do well at jobs that need:
  • Attention to Detail
  • Integrity
  • Dependability
  • Analytical Thinking
  • Self Control
  • Cooperation


You might use software like this on the job:

Enterprise resource planning ERP software
  • Anodas Software Limited Phoenix
  • Consilience Software Maven Insurance Automation Suite
Financial analysis software
  • Fiserv Advanced Underwriting
  • LabOne NET
Spreadsheet software
  • Microsoft Excel


Education: (rated 4 of 5)
bachelor's degree or
associate's degree
usually needed

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Job Outlook

Below Average Outlook
New job opportunities are less likely in the future.
per year, on average
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See more details at O*NET OnLine about insurance underwriters.