What You'll Do

  • Decline excessive risks.
  • Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies.
  • Evaluate possibility of losses due to catastrophe or excessive insurance.
  • 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.
  • Review company records to determine amount of insurance in force on single risk or group of closely related risks.
  • Authorize reinsurance of policy when risk is high.
  • Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.

Essential Skills

Reading Comprehension 3.75/5
Active Listening 3.75/5
Writing 3.75/5
Critical Thinking 3.75/5
Speaking 3.62/5
Judgment and Decision Making 3.5/5
Active Learning 3.12/5
Complex Problem Solving 3.12/5
Monitoring 3.0/5
Social Perceptiveness 3.0/5
Coordination 3.0/5
Service Orientation 3.0/5

Career Fit Overview

Use this summary to sense whether the day to day rhythm and focus of this path line up with what energizes you.

Top passions

  • Organizer: Bringing order to data and processes satisfies you.
  • Leader: Taking charge and moving ideas forward motivates you.
  • Analyst: Investigating problems and finding patterns keeps you engaged.

Common styles

Integrity, Attention to Detail, Analytical Thinking, Dependability, Achievement/Effort

Want a personal read on fit. Take the free assessment and see your exact compatibility with this career and many related roles.

Key Abilities

This career demands strong capabilities in the following areas:

Written Comprehension 3.88/5
Written Expression 3.75/5
Inductive Reasoning 3.75/5
Oral Expression 3.62/5
Oral Comprehension 3.5/5
Deductive Reasoning 3.5/5
Problem Sensitivity 3.38/5
Speech Clarity 3.38/5

Technologies & Tools

Anodas Software Limited Phoenix C++ Consilience Software Maven Insurance Automation Suite CSC nbAccelerator Database software Delphi Technology Fair Isaac Enterprise Decision Management for Insurance Fannie Mae Desktop Underwriter Fiserv Advanced Underwriting IBM FileNet Content Manager LabOne NET LexisNexis Microsoft Access Microsoft Excel Microsoft Office software Microsoft Outlook Microsoft PowerPoint Microsoft Windows Microsoft Word NIIT Technologies WinRisk

Work Environment & Style

Common Styles for This Career

  • Integrity (High importance: 4.8/5)
  • Attention to Detail (High importance: 4.67/5)
  • Analytical Thinking (High importance: 4.57/5)
  • Dependability (High importance: 4.33/5)
  • Achievement/Effort (High importance: 4.07/5)

Want to see how YOUR work style matches this career?

Take Free 15-Min Assessment →

How to Become One

Most employers require a bachelor's degree in a relevant field. Some positions may also require experience through internships, co-ops, or entry-level work to strengthen your candidacy.

Similar Careers to Explore

Regulatory Affairs Specialists

99.9% similar profile

Claims Adjusters, Examiners, and Investigators

99.8% similar profile

Financial Examiners

99.7% similar profile

Compensation, Benefits, and Job Analysis Specialists

99.6% similar profile

Legal Secretaries and Administrative Assistants

99.6% similar profile

Credit Analysts

99.5% similar profile

Budget Analysts

99.2% similar profile

Compliance Officers

99.1% similar profile

Also Known As

This career is known by many different job titles across industries. Here are all the variations:

Account Manager Underwriter Account Underwriter Automobile and Property Underwriter Bond Underwriter Casualty Underwriter Commercial Credit Underwriter Commercial Insurance Underwriter Commercial Lines Underwriter Commercial Underwriter Direct Endorsement Underwriter (DE Underwriter) Excess Casualty Underwriter Field Underwriter Health Underwriter Insurance Analyst Insurance Underwriter Insurance Writer Life Underwriter Management Liability Underwriter Marine Underwriter Middle Market Underwriter Personal Lines Underwriter Production Underwriter Professional Liability Underwriter Property Underwriter Surety Underwriter Underwriter Underwriting Account Representative Underwriting Associate Underwriting Consultant Underwriting Service Representative Underwriting Specialist