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Insurance Underwriter

Standard job description

Reviewing individual applications of customers for insurance policies, especially for health, car, house etc, evaluating   the degree of risk involved and suggests recommendations or rejection of the applications.


An underwriter should have excellent written communication skills for writing business correspondence letters. He/she develops constructive and cooperative working relationships with others uses computers to enter, access and retrieve financial data.

He/she is expected to be able to inspect and make sound observations, gather and analyze relevant financial data.

He should have independent decision making skills and have physical stamina in case of underwriters in marine and fire insurance. 


An underwriter examines documents to determine degree of risk from such factors as applicant financial standing and value and condition of property. He/she has the responsibility of decreasing value of policy when risk is substandard and specify applicable endorsements or apply rating to ensure safe profitable distribution of risks, using reference materials.

He/she must also review company records to determine amount of insurance in force on single risk or group of closely related risks, use computers to analyze information in insurance applications to determine whether a risk is acceptable and will not result in a loss.

He/she would also have to write to field representatives, medical personnel and other experts to secure additional information after assessments, visit sites to examine property in depending on type of insurance, meet clients, regulators and other relevant players when need arises.

Educational Qualifications

Underwriters need to have at the minimum level a bachelor's degree in finance, economics, mathematics and sound knowledge of business laws. He/she must possess sufficient computer knowledge. 

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