A specialist who evaluates applications for insurance and determines coverage terms and pricing.
What insurance underwriters do
Underwriters review applications for life, health, property, and commercial insurance. They assess risk factors using guidelines and analytics, decide whether to accept policies, recommend coverage limits, and set premium pricing. Many specialize by line of business.
Training path
Most US insurance underwriters hold a bachelor’s degree in business, finance, or economics. Industry credentials such as CPCU, AU, and ARM validate expertise. Many begin as underwriting assistants before assuming individual authority on accounts.
Specializations
Specializations include personal auto and homeowners, commercial general liability, workers compensation, professional liability, marine and aviation, cyber, and life and health insurance.
Find more professions by letter
Insurance Underwriter starts with I and ends with R. Browse other professions along the same letter.
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