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Individual Life Underwriter Jobs (NOW HIRING)

Globe Life

Life Insurance Underwriter

Mckinney, TX · Remote

The Life Underwriter is responsible for screening life insurance applications for selection of ... As one of the nation's largest providers of individual life insurance, Globe Life serves millions ...

Globe Life

Life Insurance Underwriter

Mckinney, TX · Remote

The Life Underwriter is responsible for screening life insurance applications for selection of ... As one of the nation's largest providers of individual life insurance, Globe Life serves millions ...

Protective Life Corporation

$80 - $100/hr

This role is designed for an experienced individual life underwriter who can independently evaluate complex cases, including impaired risk, while delivering timely, customer-focused underwriting ...

Mutual of Omaha

Underwriter IV

Omaha, NE · Remote

$86K - $114K/yr

Underwrite highly complex individual life cases with significant mortality and financial impact, including formal applications, and pre-quote requests, within a life approval authority of $5 million+

Symetra

Sr Underwriter

Bellevue, WA · On-site

$87K - $146K/yr

Review individual life insurance applications and underwrite risks within authorized limits of authority in accordance with department guidelines * Assess medical and non-medical risk in alignment ...

Thrivent Financial

Sr. Life Underwriter (Remote)

$77K - $105K/yr

All underwriting is on individual lives and no group insurance. May include complex case work ... Minimum 4 years of holistic individual Life (or Health for Disability Income) Underwriting ...

Symetra

Sr Underwriter

$87K - $146K/yr

What you will do Deliver Thoughtful Underwriting Decisions o Review individual life insurance applications and underwrite risks within authorized limits of authority in accordance with department ...

Thrivent

Sr. Life Underwriter (Remote)

Minneapolis, MN · On-site +1

$77K - $105K/yr

All underwriting is on individual lives and no group insurance. May include complex case work ... Minimum 4 years of holistic individual Life (or Health for Disability Income) Underwriting ...

Guardian Life

$125 - $150/hr

You have Minimum of 15-20 years of experience in individual life underwriting Proven track record handling large and complex cases for high-net-worth applicants Industry related education (FALU, FLMI ...

American General Life Insurance Company

WI · On-site

$125 - $150/hr

Underwriting team members provide medical and financial risk assessment on applications for individual life insurance applications. The primary responsibility of the Director, Life Underwriting is to ...

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Individual Life Underwriter information

See salary details

$32.5K

$78.9K

$139.5K

How much do individual life underwriter jobs pay per year?

As of Sep 8, 2026, the average yearly pay for individual life 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 an individual life underwriter?

An Individual Life Underwriter is a professional who evaluates applications for life insurance coverage. They assess the risk associated with insuring an individual by reviewing medical records, financial information, and lifestyle factors. Their goal is to determine whether to approve, modify, or decline life insurance applications based on company guidelines. Underwriters play a crucial role in ensuring the insurance company maintains a balanced portfolio while offering fair premiums to customers.

What are the key skills and qualifications needed to thrive as an individual life underwriter?

To thrive as an Individual Life Underwriter, you need a strong understanding of risk assessment, insurance principles, and medical terminology, typically supported by a bachelor's degree in a related field. Proficiency with underwriting software, automated rules engines, and familiarity with industry certifications such as LOMA or ALU is highly valuable. Analytical thinking, attention to detail, and effective communication are crucial soft skills for evaluating applications and collaborating with agents or clients. These skills ensure accurate risk evaluation, compliance with regulations, and sound decision-making essential for protecting the insurer's interests.

What are some common challenges an individual life underwriter faces when assessing complex applications?

Individual Life Underwriters often encounter challenges when evaluating applications with incomplete medical histories, ambiguous financial backgrounds, or unusual risk factors. These situations require thorough investigation, critical thinking, and collaboration with medical professionals and field agents to gather additional information. Successfully navigating these complexities while balancing risk and customer satisfaction is key to making sound underwriting decisions. Staying current with evolving underwriting guidelines and technology also helps underwriters manage these challenges efficiently.

What is the difference between Individual Life Underwriter vs Life Insurance Underwriter?

AspectIndividual Life UnderwriterLife Insurance Underwriter
CertificationsTypically requires certifications like FLMI or CPCUOften requires similar certifications, such as FLMI or CPCU
Work EnvironmentWorks primarily in insurance companies, assessing individual life policiesWorks in insurance firms, evaluating various life insurance applications
Industry UsageCommonly used term in life insurance industryBroader term, includes both individual and group life insurance underwriting

Both roles involve evaluating life insurance applications, but the term 'Individual Life Underwriter' specifically focuses on personal life policies. 'Life Insurance Underwriter' is a broader term that may include other types of life insurance assessments. The roles share similar credentials and work environments, making them closely related in the industry.

Is it hard to be an individual life underwriter?

Being an individual life underwriter requires strong analytical skills, attention to detail, and knowledge of insurance policies and risk assessment. The role can be challenging due to the need for accurate evaluations and adherence to regulatory standards, but it also offers clear procedures and tools to support decision-making.
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What are popular job titles related to Individual Life Underwriter jobs?

For Individual Life Underwriter jobs, the most frequently searched job titles are:

Individual Life Underwriter jobs near you
Infographic showing various Individual Life Underwriter job openings in the United States as of September 2026, with employment types broken down into 100% Full Time. Highlights an 67% In-person, and 33% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Life Insurance Underwriter

Mckinney, TX • Remote

Globe Life
Insurance Services • 1 - 5K employees
Learn more about Globe Lifeexternal

Full-time

Medical, Life

Re-posted 17 days ago

Globe Life Insurance rating

8.0

Company rating: 8.0 out of 10

Based on 22 frontline employees who took The Breakroom Quiz

172nd of 315 rated insurance

Job description

The Life Underwriter is responsible for screening life insurance applications for selection of risks rendering an issue standard, rate, or decline disposition with the guidance of an underwriter or written guidelines. The person will handle the implementation of underwriting policies and procedures related to the processing of new business and underwriting processes as related to other department processes. All duties require identification of medical terminology, identification of prescription medications, use of the Swiss Re Underwriting manual, and evaluation of MIB, phone calls, motor vehicle records, lab results, paramedical exams, and medical records.

Primary Duties & Responsibilities:

· Responsible for screening life insurance applications including trial applications for selection of risks rendering either an issue standard, rate, or reject disposition with the guidance of an underwriter or written guidelines

· Implementation of underwriting policies and procedures related to the processing of new business and other department processes

· Implementation of medical guidelines using the Swiss Re Underwriting manual and company notes

· MIB code reporting and interpretation of MIB code data

· Review and evaluate results of oral saliva tests

· Review and evaluate results of agent verification calls and other underwriting phone calls

· Review and evaluate motor vehicle records (MVRs)

· Review and evaluate prescription (Rx) histories to determine associated health conditions

· Review, summarize, and evaluate medical records (APSs)

· Review and evaluate paramedical exams and lab results

· Respond to customer service inquiries regarding dispositions

· Evaluate health information received with add-ons, modifications, and reinstatements

· Assist with other underwriting areas as deemed necessary by department management

Company Description

For more than 120 years, Globe Life has helped protect working families by providing life and supplemental health insurance products across the United States. As one of the nation's largest providers of individual life insurance, Globe Life serves millions of policyholders through multiple distribution channels and is consistently recognized for its financial strength and long-term stability.

Today, Globe Life is investing in the future by building innovative sales and service operations supported by modern technology, data-driven decision making, and exceptional leadership. We're looking for professionals who enjoy solving complex challenges, leading change, and making a measurable impact on the customer experience.

What Globe Life Insurance employees say

Pay

Benefits

Hours and flexibility

Workplace

Get the full story on Breakroom

Globe Life logo

About Globe Life

Sourced by ZipRecruiter

Our Actions Today have a lasting impact on Tomorrow. Therefore, We aim to inspire everyone in our network to help Make Tomorrow Better. At Globe Life, We empower our Customers by offering products that help secure their Financial Future and Protect them from the unexpected. We give our Employees the chance to give back, Support Initiatives with a Service First Mindset, and Promote from within.

Industry

Insurance services and insurance agencies and brokerages

Company size

1,001 - 5,000 Employees

Headquarters location

McKinney, TX, US

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