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Individual Life Underwriter information

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$32.5K

$78.9K

$139.5K

How much do individual life underwriter jobs pay per year?

As of Sep 9, 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?

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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.

Associate Director - Life Underwriting

Virginia Beach, VA • On-site, Remote

Corebridgefinancial
See more jobs at Corebridgefinancialexternal

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 9 days ago

Job description

Who We Are
At Corebridge Financial, we believe action is everything. That's why every day we partner with financial professionals and institutions to make it possible for more people to take action in their financial lives, for today and tomorrow.
We align to a set of Values that are the core pillars that define our culture and help bring our brand purpose to life:

  • We are stronger as one: We collaborate across the enterprise, scale what works and act decisively for our customers and partners.
  • We deliver on commitments: We are accountable, empower each other and go above and beyond for our stakeholders.
  • We learn, improve and innovate: We get better each day by challenging the status quo and equipping ourselves for the future.
  • We are inclusive: We embrace different perspectives, enabling our colleagues to make an impact and bring their whole selves to work.
Who You'll Work With

Corebridge Financial is an outstanding franchise that brings together a broad portfolio of life insurance, retirement and institutional products offered through an extensive, multichannel distribution network. We hold long-standing, leading market positions in many of the markets we serve. With our strong capital position, customer orientation, breadth of product expertise and deep distribution relationships across various channels, we are well positioned to serve growing market needs.

We have a legacy of working to make the world a better place, and that begins with our most important asset, our employees. We're proud to offer a range of employee benefits and resources that help you protect what matters most - your health care, savings, financial protection, and wellbeing.

About the role

The underwriting organization is responsible for underwriting new life applications with a focus on delivering a best in class customer experience. 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 accurately assess medical and financial risk, protecting the mortality results of the organization while also supporting sales. Underwriting team members interact frequently with our customers and therefore the role requires a customer centric and relationship focused attitude, excellent communication skills as well as accountability for accurate and prompt processing.


This position reports to the Managing Underwriting Director and will work with Case Managers, Internal & External Wholesalers and NMO's/Firms.

Responsibilities
Underwrite complex formal applications and informal quote applications with the ability to evaluate and take final action in an independent manner within approval authority guidelines.
Analyze complex information and interpret to reach comprehensive medical and financial assessments based on company guidelines and policy.
Effectively manage change, defuse conflict and negotiate positive results.
Able to take a cross-functional view of work processes and understand the ramifications to other areas of actions taken and decisions made.
Must be organized and able to manage a large caseload.
Demonstrate superior technical underwriting knowledge and skills.
Ability to provide training to internal and external customers on underwriting topics.
Able to independently and effectively interact with a sophisticated field force dealing with an upscale market.

Skills and Qualifications

Experience with brokerage distribution marketplace.

5+ years of life underwriting experience with demonstrated competence and experience handling larger face amount cases.

Required Approval authority up to $7,000,000.

FLMI, FALU and/or CLU designations preferred or progress toward these designations.

Compensation

The anticipated salary range for this position is $118,000 to $128,000 [CA,D.C, HI, IL, MD, MN, NJ, NY, VT, WA] at the commencement of employment. Not all candidates will be eligible for the upper end of the salary range. The actual compensation offered will ultimately be dependent on multiple factors, which may include the candidate's geographic location, skills, experience and other qualifications. In addition, the position is eligible for a discretionary bonus in accordance with the terms of the applicable incentive plan.

Work Location

This position is currently designated as remote.

#LI-ST1 #REMOTE

Why Corebridge?
At Corebridge Financial, we prioritize the health, well-being, and work-life balance of our employees. Our comprehensive benefits and wellness program is designed to support employees both personally and professionally, ensuring that they have the resources and flexibility needed to thrive.
Benefit Offerings Include:

  • Health and Wellness: We offer a range of medical, dental and vision insurance plans, as well as mental health support and wellness initiatives to promote overall well-being.
  • Retirement Savings: We offer retirement benefits options, which vary by location. In the U.S., our competitive 401(k) Plan offers a generous dollar-for-dollar Company matching contribution of up to 6% of eligible pay and a Company contribution equal to 3% of eligible pay (subject to annual IRS limits and Plan terms). These Company contributions vest immediately.
  • Employee Assistance Program: Confidential counseling services and resources are available to all employees.
  • Matching charitable donations: Corebridge matches donations to tax-exempt organizations 1:1, up to $5,000.
  • Volunteer Time Off: Employees may use up to 16 volunteer hours annually to support activities that enhance and serve communities where employees live and work.
  • Paid Time Off: Eligible employees start off with at least 24 Paid Time Off (PTO) days so they can take time off for themselves and their families when they need it.


Eligibility for and participation in employer-sponsored benefit plans and Company programs will be subject to applicable law, governing Plan document(s) and Company policy.

We are an Equal Opportunity Employer
Corebridge Financial, is committed to being an equal opportunity employer and we comply with all applicable federal, state, and local fair employment laws. All applicants will be considered for employment based on job-related qualifications and without regard to race, color, religion, sex, gender, gender identity or expression, sexual orientation, national origin, disability, neurodivergence, age, veteran status, or any other protected characteristic. The Company is also committed to compliance with all fair employment practices regarding citizenship and immigration status. At Corebridge Financial, we believe that diversity and inclusion are critical to building a creative workplace that leads to innovation, growth, and profitability. Through a wide variety of programs and initiatives, we invest in each employee, seeking to ensure that our colleagues are respected as individuals and valued for their unique perspectives.
Corebridge Financial is committed to working with and providing reasonable accommodations to job applicants and employees, including any accommodations needed on the basis of physical or mental disabilities or sincerely held religious beliefs. If you believe you need a reasonable accommodation in order to search for a job opening or to complete any part of the application or hiring process, please send an email to TalentandInclusion@corebridgefinancial.com. Reasonable accommodations will be determined on a case-by-case basis, in accordance with applicable federal, state, and local law.
We will consider for employment qualified applicants with criminal histories, consistent with applicable law.

To learn more please visit: www.corebridgefinancial.com

Functional Area:

UW - UnderwritingEstimated Travel Percentage (%): Up to 25%Relocation Provided: NoAmerican General Life Insurance Company

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