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Disability Underwriter Jobs (NOW HIRING)

Tokio Marine HCC

Underwriter

Troy, MI · On-site

Underwriter Location: Remote in Multiple States/ Hybrid in Only Michigan (dependent upon on ... Basic life and disability insurance * 401(k) plan with 6% company match * 20 days of PTO and two ...

Auto-Owners Insurance

Underwriter

Montgomery, AL · On-site

Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee ... disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation ...

Southstar Capital LLC

Underwriter

Mount Pleasant, SC · On-site

Factoring Underwriter Location: Charleston, SC About the Role We are seeking an experienced ... short-term disability, paid time off) * A collaborative and growth-oriented company culture

Auto-Owners Insurance

Underwriter

Columbia, MO · On-site

Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee ... disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation ...

Auto Owners Insurance Company

Underwriter

Peoria, IL

$47K - $83K/yr

Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee ... disability; health care flexible spending accounts and dependent care flexible spending accounts.

CRC Group

Inside Underwriter

San Antonio, TX · On-site

If you have a disability and need assistance with the application, you can request a reasonable ... Underwrite new and renewal business within binding authority and brokerage markets, including ...

Iatinsurancegroup

Underwriter

Scottsdale, AZ · Hybrid

$55K - $120K/yr

The Underwriter will be part of a team responsible for overseeing and auditing Managing General ... origin, disability, or status as a protected veteran. We maintain a drug-free workplace and ...

Auto-Owners Insurance

Underwriter

Lexington, KY · On-site

Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee ... disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation ...

Auto-Owners Insurance

Underwriter

Draper, UT · On-site

Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee ... disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation ...

CRC Group

Associate Underwriter

San Antonio, TX · On-site

If you have a disability and need assistance with the application, you can request a reasonable ... This role underwrites new and renewal business, applies rating and risk assessment principles, and ...

Auto Owners Insurance Company

Underwriter

Mesa, AZ

Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee ... disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation ...

Berkley

Underwriter

Las Vegas, NV

$85K - $115K/yr

Responsibilities The Underwriter will manage all related underwriting tasks for new and renewal ... Health, dental, vision, dental, life, disability, wellness, paid time off, 401(k) and profit ...

Iatinsurancegroup

Underwriter

Raleigh, NC · Hybrid

$55K - $120K/yr

The Underwriter will be part of a team responsible for overseeing and auditing Managing General ... origin, disability, or status as a protected veteran. We maintain a drug-free workplace and ...

MSIG Holdings USA, Inc.

Underwriter

Chicago, IL

Responsible for underwriting and servicing commercial lines business on a nationwide basis in ... Reasonable accommodations may be made to enable individuals with disabilities to perform the ...

Iatinsurancegroup

Underwriter

Plano, TX · Hybrid

$55K - $120K/yr

The Underwriter will be part of a team responsible for overseeing and auditing Managing General ... origin, disability, or status as a protected veteran. We maintain a drug-free workplace and ...

Iatinsurancegroup

Underwriter

Norristown, PA · Hybrid

$55K - $120K/yr

The Underwriter will be part of a team responsible for overseeing and auditing Managing General ... origin, disability, or status as a protected veteran. We maintain a drug-free workplace and ...

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All JobsDisability Underwriter Jobs

Disability Underwriter information

See salary details

$32.5K

$78.9K

$139.5K

How much do disability underwriter jobs pay per year?

As of Jun 30, 2026, the average yearly pay for disability underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

What is the most difficult aspect of underwriting disability insurance?

Disability underwriters face the challenge of accurately assessing an applicant's risk by evaluating medical histories, occupation, and lifestyle factors, which can be complex and subjective. They must also interpret medical reports and predict future disability risks, often with limited information, requiring strong analytical skills and attention to detail.

Will underwriters be replaced by AI?

Disability underwriters analyze applications and assess risk, and AI tools are increasingly used to automate data analysis and streamline decision-making. While AI can assist with routine tasks, human underwriters are still essential for complex cases, ethical considerations, and final approval processes. The role is evolving to include oversight of AI systems and interpretation of nuanced information.

What are the typical daily responsibilities of a Disability Underwriter?

As a Disability Underwriter, your daily tasks include reviewing applications, assessing medical and occupational risks, analyzing financial documents, and determining whether to approve or decline insurance coverage. You may work closely with agents, brokers, and medical professionals to gather additional information and clarify complex cases. The role often involves balancing multiple cases at different stages while ensuring compliance with company policies and regulations. Effective time management and clear documentation are essential, as your work directly impacts customers and the organization’s risk profile.

What are the key skills and qualifications needed to thrive in the Disability Underwriter position, and why are they important?

To thrive as a Disability Underwriter, you need strong analytical skills, attention to detail, and a background in insurance, finance, or a related field, often supported by a relevant degree. Familiarity with industry-specific underwriting software, claims management systems, and professional certifications like the Chartered Insurance Professional (CIP) designation are valuable. Excellent communication, problem-solving abilities, and negotiation skills help standout candidates collaborate effectively with clients and internal teams. These competencies ensure accurate risk assessment, informed decision-making, and high-quality service in evaluating disability insurance applications.

What is the highest paid underwriter?

The highest paid underwriters are typically senior-level professionals in specialized fields such as reinsurance or large corporate accounts, earning salaries that can exceed $150,000 annually, with some reaching over $200,000 including bonuses and profit sharing. Compensation varies based on experience, industry, location, and the complexity of the underwriting work.

What does a disability underwriter do?

A disability underwriter evaluates insurance applications to determine the risk of insuring an individual against disability. They review medical records, assess policy terms, and decide on coverage eligibility and premium rates, often using specialized underwriting software. Strong analytical skills and knowledge of health conditions are essential for this role.

What is a Disability Underwriter job?

A Disability Underwriter evaluates insurance applications to determine an applicant's risk level for disability insurance coverage. They analyze medical records, financial documents, and occupational risks to assess eligibility and premium rates. Their goal is to ensure fair underwriting decisions that balance customer needs with insurer profitability.

More about Disability Underwriter jobs
What cities are hiring for Disability Underwriter jobs? Cities with the most Disability Underwriter job openings:
What are the most commonly searched types of Disability Underwriter jobs? The most popular types of Disability Underwriter jobs are:
What states have the most Disability Underwriter jobs? States with the most job openings for Disability Underwriter jobs include:
What job categories do people searching Disability Underwriter jobs look for? The top searched job categories for Disability Underwriter jobs are:
Disability Underwriter jobs near you
Infographic showing various Disability Underwriter job openings in the United States as of June 2026, with employment types broken down into 50% As Needed, and 50% Nights. Highlights an 72% Physical, 11% Hybrid, and 17% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.
Underwriter

Underwriter

Tokio Marine HCC

Troy, MI • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 5 hours ago

Job description

Job Title: Underwriter
Location: Remote in Multiple States/ Hybrid in Only Michigan (dependent upon on proximity of office location)
Reports To: Cindy Woityra
Employment Type: Full-Time
Job Requisition ID: 2026-288
Requisition Begin Date: 6/2/2026
Requisition End Date 07/31/2026 (Posting may close earlier if filled or business needs change.)
Help us insure it
Tokio Marine HCC - Public Risk Group, a member of the Tokio Marine group of companies, is a market leader in providing specialized insurance products for municipal entities. We cover counties, cities, townships, villages, police departments, prisons, fire departments and more. We serve the growing insurance and risk management needs of medium and large governmental entities and provide property and casualty insurance coverages in multiple states.
Role Overview
We are looking for a Underwriter who is innovative, can build relationships, and thrives in a fast-paced environment, we have an exciting opportunity for an Underwriter to join our underwriting team. This position will review insurance applications to evaluate, classify, and rate each risk to determine acceptability, coverage, and pricing. Establish, maintain, and develop agency and/or broker relationships. Provides underwriting in single or multiple areas of liability, property, or special contingency coverage.
Performance Objectives
  • Production - Achieve your individual premium and productions targets which include: 1) Management and underwriting of your renewal book, achieving a target renewal retention ratio and servicing your renewals throughout the year. 2) New business premium goals, quote and workflow management targets.
  • Marketing & Relationship Development - In this role you will be responsible for marketing our products and to proactively foster and develop positive relationships with key customers.
  • Profitability and Compliance - Profitability is a pillar in our corporate objectives, we strongly believe that you will develop a profitable book of business if you are disciplined and consciously operate within your granted underwriting authority, within the parameters of the underwriting guidelines, and follow direction given by compliance.
  • Collaboration/Teamwork - As a team we work together to achieve our collective goals, this requires collaborating with your peers on our team and within other aligned business units including Claims, Product Development, Accounting and Operations.
  • Underwriting Expertise -We want you to continually develop your underwriting expertise which will be achieved through conscious learning on the job and with support from us. This is an objective that adds value to our team, but it is also important for your personal development.

What You Bring
  • Minimum of Two (2) years of relevant and progressive Underwriting experience in public entity or related area that includes a strong working knowledge of state laws.
  • Municipal experience a plus.
  • Bachelor's degree in Insurance and Risk Management, Business Administration, Accounting, Finance, a related field, or the equivalent education and/or experience
  • Preferred studies towards attaining a Registered Professional Liability Underwriter (RPLU), Chartered Property Casualty Underwriter (CPCU), Associate in Commercial Underwriting (AU), Certified Insurance Counselor (CIC) or equivalent insurance designation depending on specialty area.

What We Offer
  • Competitive salary and comprehensive benefit package
  • Strong learning culture with ongoing development opportunities
  • Opportunities for growth and career advancement
  • Comprehensive medical, vision, and dental coverage, with eligibility beginning on your first day of employment
  • Basic life and disability insurance
  • 401(k) plan with 6% company match
  • 20 days of PTO and two floating holidays (prorated)
  • Approximately 11 paid holidays and volunteer time off
  • Paid parental leave
  • Access to our award-winning wellness program, including mental health services, fitness network membership, and a complimentary Headspace subscription
  • Student loan matching program
  • Employee discount program
  • An opportunity to do meaningful work and love what you do

Disclaimer
You do not need to disclose your criminal history or participate in a background check until a conditional job offer is made to you. After making a conditional offer and running a background check, if the Company is concerned about a conviction that is directly related to the job, you will be given the chance to explain the circumstances surrounding the conviction or challenge the accuracy of the background report. The Company will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable federal, state and local laws, such as the Violent Crime Control and Law Enforcement Act of 1994 (18 USC § 1033(e))(the "VCCLEA"), which restricts financial institutions and insurers such as TMHCC from employing individuals with certain types of criminal convictions. Where the hiring and employment of individuals is not restricted by the foregoing, the Company will consider qualified applicants with arrest or conviction history in compliance with applicable law such as the California Fair Chance Act, the Los Angeles Fair Chance Initiative for Hiring Ordinance, the Los Angeles County Fair Chance Ordinance, the San Diego Fair Chance Ordinance, and the San Francisco Fair Chance Ordinance.]
About Us
Tokio Marine HCC is a global industry-leading specialty insurance group, backed by the strength and stability of the Tokio Marine Group. Offering over 100 classes of specialty insurance, we empower clients to pursue opportunities confidently through our "Mind Over Risk" philosophy. More than an insurance company, we are an organization built on innovation, unity, and trust.
At our core, we are Always Advancing, driven by innovation and an entrepreneurial spirit that keeps us moving forward. Our people are Experts in Tomorrow, using curiosity and smart working to anticipate what's next. With a culture rooted in Reaching Out, we foster genuine collaboration and support, ensuring every individual has the opportunity to succeed and make a difference.
Applying our Mind Over Risk philosophy to writing insurance allows our customers to take on opportunity with confidence. That philosophy defines our way of thinking, unites us as a team, and differentiates us from our competitors. We are much more than just an insurance company; we are a good company.
Equal Opportunity Employer
TMHCC is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship, color, family or medical care leave, gender identity, genetic information, marital status, medical condition, national origin, physical or mental disability, protected veteran or military status, race, ethnicity, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable local laws, regulations and ordinances.
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