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Entry Level Insurance Underwriter Jobs (NOW HIRING)

Nationalindemnity

Entry Level Underwriter

Omaha, NE · Hybrid

We are a commercial property & casualty insurance company looking to fill entry-level underwriting ... Insurance underwriters use analytical skills to review information from an applicant to evaluate ...

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Entry Level Insurance Underwriter information

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$28K

$62.3K

$105K

How much do entry level insurance underwriter jobs pay per year?

As of Jun 27, 2026, the average yearly pay for entry level insurance underwriter in the United States is $62,283.00, according to ZipRecruiter salary data. Most workers in this role earn between $44,000.00 and $83,500.00 per year, depending on experience, location, and employer.

What Does an Entry-Level Insurance Underwriter Do?

An entry-level insurance underwriter works as a trainee or assistant while learning how to assess an insurance application, define risk, determine eligibility, calculate policy premiums, and accept or deny each request for coverage. You perform your duties under the supervision of a senior underwriter. At the start of your career, your responsibilities focus on data collection and basic application processing. As you gain experience, you handle more-complex applications and can work independently. An insurance underwriter can specialize in life, property, casualty, commercial, or specialty insurance.

Is underwriting a lot of math?

Entry level insurance underwriters use math to assess risk, analyze data, and determine policy terms. Basic math skills, including arithmetic and probability, are essential, and familiarity with spreadsheets or underwriting software can be helpful. Advanced math is generally not required for entry-level positions.

What is the difference between Entry Level Insurance Underwriter vs Insurance Claims Adjuster?

AspectEntry Level Insurance UnderwriterInsurance Claims Adjuster
Required CredentialsHigh school diploma or bachelor’s; some certifications (e.g., CPCU) beneficialHigh school diploma or bachelor’s; licensing may be required
Work EnvironmentOffice-based, analyzing applications and risk factorsField and office work, investigating claims
Industry UsageInsurance companies, underwriting departmentsInsurance companies, claims departments
Common Search/ComparisonEntry Level Insurance Underwriter vs Insurance Claims Adjuster

While both roles are vital in the insurance industry, an Entry Level Insurance Underwriter primarily assesses risk and approves policies, whereas an Insurance Claims Adjuster investigates and settles claims. Both positions require strong analytical skills and industry knowledge, but they focus on different stages of the insurance process.

Is insurance underwriting hard to get into?

Entry level insurance underwriting can be competitive, but it is accessible to those with a relevant degree such as in finance, business, or risk management. Strong analytical skills, attention to detail, and familiarity with underwriting software can improve chances of entry; some employers also value internships or certifications like the CPCU designation.

What are the key skills and qualifications needed to thrive as an Entry Level Insurance Underwriter, and why are they important?

To thrive as an Entry Level Insurance Underwriter, you need a solid understanding of risk assessment, analytical thinking, and attention to detail, typically backed by a bachelor’s degree in finance, business, or a related field. Familiarity with underwriting software, insurance databases, and sometimes certifications like Associate in Commercial Underwriting (AU) are valuable. Strong communication, organizational skills, and the ability to make sound judgments help you stand out in this position. These skills and qualifications ensure accurate risk evaluations, effective decision-making, and smooth collaboration with clients and colleagues.

What are some typical challenges faced by entry level insurance underwriters, and how can they be overcome?

Entry level insurance underwriters often encounter challenges such as learning to assess risk accurately with limited experience, keeping up with ever-changing regulations, and managing a high volume of applications within tight deadlines. Overcoming these challenges involves actively seeking mentorship from senior underwriters, participating in ongoing training programs offered by employers, and developing strong organizational skills. Collaborating closely with colleagues in claims, sales, and actuarial departments also helps new underwriters gain a broader perspective and make more informed decisions.

Will underwriters be replaced by AI?

Entry level insurance underwriters perform risk assessment and policy evaluation, tasks increasingly supported by AI tools that automate data analysis. While AI can handle routine aspects, underwriters' judgment, industry knowledge, and decision-making remain essential, making complete replacement unlikely in the near term.

How do I become an underwriter with no experience?

Entry-level insurance underwriters can start by obtaining a bachelor's degree in fields like finance, business, or risk management. Gaining knowledge of insurance policies, developing strong analytical skills, and earning relevant certifications such as the Associate in Commercial Underwriting (AU) can improve job prospects; some employers also offer on-the-job training for candidates with limited experience.

What does an entry level insurance underwriter do?

An entry level insurance underwriter reviews applications for insurance coverage and evaluates the risks involved in insuring people or assets. They analyze information such as financial data, health records, and other relevant documents to determine if the applicant meets the company's guidelines. Their responsibilities also include making recommendations on coverage amounts, premiums, and policy terms under the supervision of more experienced underwriters. This role is essential for making sure insurance companies issue policies that are both fair to the customer and profitable for the business.
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Entry Level Insurance Underwriter jobs near you

Associate Crop Insurance Underwriter

American Agricultural

Fargo, ND • On-site

$40K - $43K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 13 hours ago

Job description

American Farm Bureau Insurance Services, Inc. (AFBIS, Inc.) is looking for an entry level Associate Crop Insurance Underwriter in our Fargo corporate office. As a member of our Policy Underwriting team, you will be responsible for various administrative and underwriting activities for our Crop Insurance business.

The Associate Crop Insurance Underwriter will be responsible for:

  • Processing and organizing all incoming mail and electronic correspondence for the Underwriting Department
  • Processing and underwriting various policy forms such as but not limited to Direct Deposit requests, Transfer of Coverage and Indemnity requests, Policy Applications and Coverage forms
  • Processing and entering premium payments into the underwriting system, and making daily deposits
  • Processing and sending incoming and outgoing transfer requests to other Crop Insurance Companies
  • Maintaining and entering data into excel spreadsheets
  • Mailing letters and other policy documents to insureds and agents, researching and responding, to agent calls and email inquiries
  • Assisting with organizing underwriting events and meetings
  • Running reports for underwriting team and underwriting managers
  • Initially reviews underwriting documents and refers those documents to underwriters for further analysis
  • Auditing processed documents for errors

What you will bring to this position:

  • Experience working in an administrative and/or customer service-related position
  • Research and organization skills, along with strong customer service skills
  • The ability to work under deadlines and handle multiple priorities
  • Excellent verbal and written communication skills
  • Excellent analytical, decision-making, and problem-solving skills
  • Microsoft Office experience

The expected starting salary range for this position is between $40,000 and $43,000. Applicable salary ranges may differ across markets. Actual pay will be determined based on experience and other job-related factors permitted by law.

We do not sponsor employment visas and are unable to take over an employment visa from another employer. Applicants must be authorized to work in the U.S. for ANY employer without the need for employment visa sponsorship.

AFBIS offers a competitive benefits package that includes medical, dental, vision, life, and disability insurance; company funded cash balance pension and a 401(k) retirement plan; Flexible Spending and Health Savings Accounts; paid holidays, vacation, and sick time; Employee Assistance Program; and other benefits.

AFBIS participates in E-Verify. Learn more about applicant rights under Federal Employment Laws.