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Field Underwriter Jobs (NOW HIRING)

Luminous Financial LLC

Field Underwriter

La Mesa, NM · On-site

If you currently have a Life Insurance license, then you can be in the field within one week * If you do not have a Life Insurance License, no problem! We can show you how to get one very easily ...

MPIUA

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Field Underwriting Representative

Boston, MA · On-site

$60K - $919K/yr

Massachusetts Property Insurance Underwriting Association is seeking a Field Underwriting Representative to join their Underwriting Department. This position reports to the Field Inspections ...

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How much do field underwriter jobs pay per year?

As of Jun 15, 2026, the average yearly pay for field underwriter in the United States is $100,233.00, according to ZipRecruiter salary data. Most workers in this role earn between $91,500.00 and $109,500.00 per year, depending on experience, location, and employer.

What are some typical challenges faced by field underwriters during client evaluations, and how can they be addressed?

Field underwriters often encounter challenges such as incomplete client information, varying risk profiles, and the need to balance customer service with risk assessment. These challenges can be addressed by developing strong communication skills to gather accurate data, staying current with underwriting guidelines, and leveraging digital tools for efficient data collection and analysis. Regular collaboration with insurance agents, support staff, and underwriter teams also helps resolve complex cases and ensures well-informed decisions.

What are the key skills and qualifications needed to thrive as a Field Underwriter, and why are they important?

To thrive as a Field Underwriter, you need a strong understanding of risk assessment, insurance policies, and relevant state regulations, typically supported by a bachelor’s degree and an insurance license. Familiarity with underwriting software, CRM systems, and industry-specific databases is often required. Excellent communication, analytical thinking, and relationship-building skills help Field Underwriters excel when interacting with clients and evaluating complex information. These competencies are crucial for accurately assessing risk, ensuring policy compliance, and building trust with clients in a competitive insurance marketplace.

What is the difference between Field Underwriter vs Insurance Agent?

AspectField UnderwriterInsurance Agent
Required CredentialsLicensing, insurance knowledge, sometimes certificationsLicensing, sales training, insurance knowledge
Work EnvironmentField-based, assessing applications, visiting clientsOffice or field, selling policies, client meetings
Employer & Industry UsageInsurance companies, underwriting departmentsInsurance agencies, brokerages
Comparison Search IntentUnderstanding underwriting roles vs sales roles

The main difference between a Field Underwriter and an Insurance Agent lies in their roles. Field Underwriters focus on evaluating insurance applications, assessing risk, and supporting underwriting decisions, often working in the field. Insurance Agents primarily sell policies, advise clients, and handle customer relationships. While both roles require licensing and insurance knowledge, their core responsibilities and work environments differ significantly.

What does a field underwriter do?

A field underwriter evaluates insurance applications and conducts on-site inspections to assess risk, verify information, and determine policy eligibility. They often work independently in the field, gathering data and making recommendations based on their assessments, which are then reviewed by underwriters in the office.

What are field underwriters?

Field underwriters are insurance professionals who assess potential clients to determine their eligibility for insurance policies. They typically meet with applicants in person, gather relevant information, and evaluate risks such as health, occupation, and lifestyle before submitting their recommendations to insurance companies. Field underwriters play a key role in ensuring policies are appropriately matched to clients' needs while protecting insurers from excessive risk. Their work often involves both sales and risk assessment duties.

What Does a Field Underwriter Do?

Field underwriters inspect the property listed in insurance applications to determine whether or not their employer should approve the application and provide coverage for the home, building, car, or other property. In this role, your job duties include reviewing each application to ensure it is complete, running a credit check on the applicant, contacting the applicant to confirm the data submitted, then setting up a time to travel to the applicant's location to evaluate the items in the application. You must inspect the property thoroughly, documenting all of your findings, to make an informed recommendation to the company on approving or denying the request. Once you have completed your inspection, you forward your information to the agent handling the applicant's file to be processed.

What is the highest paid underwriter?

The highest paid underwriters are typically senior or specialized professionals in fields such as insurance, finance, or reinsurance, earning annual salaries that can exceed $150,000, with top executives or those in niche markets earning significantly more. Compensation depends on experience, industry, location, and the complexity of the underwriting work performed.

What jobs pay 2000 a day?

Field underwriters in insurance or financial services can earn around $2,000 per day through commissions and bonuses, especially with high-value policies or large client portfolios. Such roles often require strong sales skills, industry knowledge, and sometimes certifications, and income can vary based on experience and performance.

Will AI replace underwriting?

Field underwriters analyze risk and assess applications, and AI is increasingly used to automate data collection and initial risk evaluation. However, human judgment remains essential for complex cases, relationship building, and final decision-making, making full replacement unlikely in the near term.
More about Field Underwriter jobs
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Field Underwriter jobs near you
Infographic showing various Field Underwriter job openings in the United States as of June 2026, with employment types broken down into 2% Internship, 4% As Needed, 5% Full Time, 85% Part Time, 3% Temporary, and 1% Nights. Highlights an 92% Physical, 3% Hybrid, and 5% Remote job distribution, with an average salary of $100,233 per year, or $48.2 per hour.

Field Underwriter

Luminous Financial LLC

Kansas City, MO • On-site

Part-time

Life

Posted 2 days ago

Job description

INSURANCE SALES REPRESENTATIVE - REMOTE SALES - WORK FROM ANYWHERE!
We offer Part-time and Full-time job opportunities everywhere in the United States.We are looking for motivated people who want to become financially independent and get a sense of significance in their work. We offer LICENSED PRODUCERS a very good opportunity for financial freedom! In addition, we help UNLICENSED AGENTS get through the LICENSING REQUIREMENTS and provide free training to help them achieve their goals.
WHO WE ARE
We are an independent broker of Living Benefits Life Insurance. We represent some of the largest insurance carriers in the USA and Canada. This is a place agents can (1) be their own boss and set their own schedules; (2) gain financial independence; and (3) get the respect and recognition they deserve.
What do distributors do?
We are hiring and training men and women to distribute a revolutionary new type of life insurance with Living Benefits. This allows the policy holder to accelerate the death benefit for their own use while they are still living. Living benefits are the best-kept secret of life insurance. This new type of insurance practically sells itself. These insurance agents service middle income America and we are looking for entrepreneurs who want to build their own distribution network. We are partnering with agency owners with a current sales force or we will train you to hire and build your own agency.
  • The absolute best compensation in the industry - you literally determine your own income and income potential. Agents can earn commissions in excess of 140% of sales!
  • We have an unmatched and proven hiring and onboarding system in place.
  • Great carrier overrides and bonuses!

Job requirements
  • Life insurance license or willing to obtain one.
  • You will need a valid drivers license and vehicle to travel to and from client appointments. Cell and laptop/tablet and/or IPAD are required as well.

What do we offer?
  • If you currently have a Life Insurance license, then you can be in the field within one week
  • If you do not have a Life Insurance License, no problem! We can show you how to get one very easily - Most complete the requirements in one week or less!
  • There is no income cap and we offer weekly bonuses, monthly bonuses, and a profit sharing program.
  • Disclaimer: Compensation is 100% Commission and Bonus. Please be aware before applying for position
  • Training is 100% FREE and it is the absolute best in the industry. We will train you to call, set, and run appointments from your home office.
  • We offer the best leads in the industry. Our leads are new, qualified, and affordable. We have access to multiple vendors which ensures our agents high quality, low cost leads.
  • Renewals are 100% vested from day one - there is no waiting period!
  • Flexible schedule - you are your own boss and you set your own schedule
  • Opportunity for advancement into leadership and management roles.

Apply