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Health Insurance Underwriter Jobs in Raleigh, NC

WB Agency

Sales Agent (Insurance)

Raleigh, NC

$70K - $100K/yr

Prior experience in insurance sales, underwriting, or financial services is highly desirable. * State insurance license (Life/Health) or ability to obtain one. * Strong communication, presentation ...

Planright

Sales Agent (Insurance)

Raleigh, NC · On-site

$70K - $100K/yr

Prior experience in insurance sales, underwriting, or financial services is highly desirable. * State insurance license (Life/Health) or ability to obtain one. * Strong communication, presentation ...

WB Agency

Sales Agent (Insurance)

Raleigh, NC · On-site

$70K - $100K/yr

Prior experience in insurance sales, underwriting, or financial services is highly desirable. * State insurance license (Life/Health) or ability to obtain one. * Strong communication, presentation ...

Ned Clark Agency Inc

Licensed Insurance Producer

Cary, NC · On-site

$40K - $85K/yr

Underwriting: Perform field underwriting, assess risk, and accurately rate potential new accounts ... Previous ALLSTATE experience is a PLUS. (Life, Accident & Health is optional) * Proven experience ...

Ned Clark Agency Inc

Licensed Insurance Producer

Cary, NC · On-site

$40K - $85K/yr

Underwriting: Perform field underwriting, assess risk, and accurately rate potential new accounts ... Previous ALLSTATE experience is a PLUS. (Life, Accident & Health is optional) * Proven experience ...

Ned Clark Agency Inc

Licensed Insurance Producer

Cary, NC · On-site

$45K - $95K/yr

Underwriting: Perform field underwriting, assess risk, and accurately rate potential new accounts ... Health is optional) * Proven experience in a sales or insurance-related role. * Excellent ...

Ned Clark Agency Inc

Licensed Insurance Producer

Cary, NC · On-site

$45K - $95K/yr

Underwriting: Perform field underwriting, assess risk, and accurately rate potential new accounts ... Health is optional) * Proven experience in a sales or insurance-related role. * Excellent ...

Iatinsurancegroup

Underwriting Manager

Raleigh, NC · Hybrid

$72K - $157K/yr

The Contract Binding Team within the Excess and Surplus division of IAT Insurance Group has an ... Numerous training and development opportunities to assist you in furthering your career * Heal ...

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All JobsHealth Insurance Underwriter JobsHealth Insurance Underwriter Jobs in Raleigh, NC

Health Insurance Underwriter information

See Raleigh, NC salary details

$31.6K

$76.7K

$135.6K

How much do health insurance underwriter jobs pay per year?

As of Jul 26, 2026, the average yearly pay for health insurance underwriter in Raleigh, NC is $76,676.00, according to ZipRecruiter salary data. Most workers in this role earn between $59,300.00 and $84,600.00 per year, depending on experience, location, and employer.

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

To thrive as a Health Insurance Underwriter, you need strong analytical skills, attention to detail, and a solid understanding of insurance principles, typically supported by a bachelor’s degree in business, finance, or a related field. Proficiency with underwriting software, risk assessment tools, and knowledge of industry regulations is essential, and certifications such as the Chartered Property Casualty Underwriter (CPCU) can be advantageous. Effective communication, critical thinking, and decision-making skills help underwriters explain decisions and work collaboratively with clients and colleagues. These competencies are vital for accurately assessing risk, ensuring regulatory compliance, and maintaining the financial health of the insurance provider.

What are some typical challenges Health Insurance Underwriters face when assessing applications, and how can they overcome them?

Health Insurance Underwriters often encounter challenges such as evaluating incomplete or complex medical histories, staying current with changing regulations, and balancing risk assessment with competitive pricing. To overcome these challenges, underwriters rely on strong analytical skills, continuous training, and close collaboration with medical professionals and actuaries. Leveraging advanced software tools and maintaining clear communication with agents and applicants also helps ensure accurate and fair decision-making.

What is the difference between Health Insurance Underwriter vs Health Insurance Claims Adjuster?

AspectHealth Insurance UnderwriterHealth Insurance Claims Adjuster
Primary RoleAssess risk and determine policy eligibility and premiumsEvaluate insurance claims to determine coverage and payout
Required CredentialsTypically requires a bachelor's degree; certifications like CPCU or ARM are commonHigh school diploma or equivalent; certifications like AIC or CPCU are beneficial
Work EnvironmentOffice-based, working with underwriting software and risk dataOffice or remote, reviewing claims and interacting with policyholders
Industry UsageCommonly employed by insurance companies during policy issuanceEmployed by insurance companies or third-party administrators during claims processing

While both roles are integral to the insurance industry, health insurance underwriters focus on evaluating risks before issuing policies, whereas health insurance claims adjusters handle claims after coverage is in place. Understanding these differences helps job seekers identify the right career path within health insurance.

What does a Health Insurance Underwriter do?

A Health Insurance Underwriter is responsible for evaluating the risks associated with insuring individuals or groups and determining the terms and premiums for health insurance coverage. They review applications, assess medical histories, and use statistical data to decide whether to approve or deny coverage. Their goal is to ensure that the insurance company maintains a balanced risk portfolio while offering fair and competitive rates to policyholders. Health insurance underwriters play a crucial role in protecting the financial stability of insurance companies and providing appropriate coverage to customers.
What are popular job titles related to Health Insurance Underwriter jobs in Raleigh, NC? For Health Insurance Underwriter jobs in Raleigh, NC, the most frequently searched job titles are:
What job categories do people searching Health Insurance Underwriter jobs in Raleigh, NC look for? The top searched job categories for Health Insurance Underwriter jobs in Raleigh, NC are:
Health Insurance Underwriter jobs near you
Infographic showing various Health Insurance Underwriter job openings in Raleigh, NC as of July 2026, with employment types broken down into 100% Full Time. Highlights an 88% In-person, and 12% Remote job distribution, with an average salary of $76,676 per year, or $36.9 per hour.

Insurance Underwriter

Berylline Insurance Group

Chapel Hill, NC • On-site, Remote

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 24 days ago

Job description

Underwriter
Hybrid or Remote • Full-Time
Ready to underwrite at a program built by operators?
HabGen Insurance is a specialty program built exclusively for student housing and multifamily communities - created by industry professionals who operated these properties before they underwrote them. We're growing quickly, and we're looking for an experienced Underwriter who's ready to own accounts, partner directly with brokers, and help shape a modern habitational program from the inside.
This role is offered as fully remote, or hybrid if you're located near our Chapel Hill, NC office.
ABOUT THE ROLE
As a HabGen Underwriter, you'll be responsible for the day-to-day underwriting and growth of an assigned book within our specialty habitational program. You'll work directly with brokers, evaluate new and renewal business, and partner with senior underwriters and program leadership on appetite, pricing, and portfolio decisions.
We move fast - indications within hours, bindable quotes within a business day on clean submissions - because brokers and their clients deserve straight answers from real experts. You'll be one of those experts.
WHAT YOU'LL DO
Underwriting & Risk Selection
  • Review new and renewal submissions for student housing and multifamily Property and General Liability risks.
  • Evaluate financial strength, loss experience, sponsor quality, and territorial exposure to determine risk acceptability.
  • Price accounts in line with HabGen's appetite, pricing discipline, and target rates.
  • Issue indications and bindable quotes on tight turnarounds.
  • Negotiate terms, conditions, and pricing with brokers.

Broker Partnership & Market Development
  • Build and maintain strong producer and broker relationships
  • Educate brokers on HabGen's appetite, submission requirements, and value proposition.
  • Identify and pursue new business opportunities within the habitational segment.

Portfolio Management
  • Manage assigned accounts through the policy lifecycle - new business, renewals, endorsements, and mid-term changes.
  • Collaborate with claims, loss control, and operations to drive favorable underwriting outcomes.
  • Monitor portfolio performance and contribute to underwriting discipline and profitable growth.

Program Building
  • Bring market intelligence and account-level insight back to leadership.
  • Provide input on appetite, pricing, and product evolution as the program scales.
  • Mentor newer team members and contribute to a strong underwriting culture.

WHO WE'RE LOOKING FOR
  • 3+ years of commercial P&C underwriting experience required; 5+ years preferred.
  • Habitational experience a plus. Direct exposure to student housing, multifamily, or other habitational property risks is highly valued.
  • Technical underwriting skills. Strong foundation in property and/or general liability underwriting, including risk assessment, financial analysis, and pricing.
  • Broker-facing presence. Excellent written and verbal communication, negotiation, and relationship-building skills.
  • Decisive and self-motivated. You can make underwriting decisions independently, manage your time, and operate well in a fast-moving environment.
  • Operator mindset. You ask hard questions, look for the better way, and care about how the work gets done - not just the answer.

Nice to Have
  • A college degree
  • Active P&C license
  • Industry designations (CPCU, CIC, AU, ARM, etc.)
  • Familiarity with Google Workspace and Slack.

WHAT WE OFFER
We invest in our people with a comprehensive benefits package designed to support your health, your future, and your life outside of work:
  • Competitive compensation with annual bonus potential, commensurate with experience.
  • Comprehensive medical, dental, and vision coverage, with employer contributions to a Health Savings Account.
  • 401(k) retirement plan with employer match.
  • Employer-paid life and AD&D insurance, with options for supplemental life and short- and long-term disability coverage.
  • Wellness and lifestyle benefits, including telehealth, an Employee Assistance Program, pet insurance, and an exclusive discount platform.
  • Paid time off and a culture that respects your time outside of work.
  • Flexible work arrangements - fully remote, or hybrid if you're located near our Chapel Hill, NC office.
  • Direct access to senior leadership - no committees, no bureaucracy, and a real seat at the table as the program grows.

WHY HABGEN?
HabGen Insurance is the first and only insurance solution purpose-built for student housing and multifamily communities. We're growing quickly inside Berylline Insurance Group (BIG), and we're investing in the underwriters who will help us scale.
What that means for you: a focused specialty program where your underwriting decisions matter, with direct access to decision-makers and the resources of an established insurance group behind you. You'll work on a single asset class with deep expertise, partner with brokers who value speed and straight answers, and have real influence on how the program evolves.
If you're an experienced underwriter who wants to focus, move quickly, and build something, there's a real seat for you here.
HOW TO APPLY
Apply at beryllinegroup.com/careers.
Employment & Sponsorship Disclosure
HabGen Insurance is an Equal Opportunity Employer and does not discriminate on any basis protected by applicable federal, state, or local law.
This position is not eligible for visa sponsorship. Applicants must be authorized to work in the United States without the need for current or future sponsorship.
HabGen Insurance participates in E-Verify. Employment with HabGen Insurance is contingent upon completion of a background screening satisfactory to the Company, verification of identity and authorization to work in the United States as required by federal law, and completion of all required onboarding documentation.
Employment with HabGen Insurance is at will. Nothing in this job posting or in any related communication constitutes a contract of employment or guarantees employment for any specific duration. Either the employee or the Company may terminate employment at any time, with or without cause or notice, for any lawful reason.
For application assistance, please contact [email protected].

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