ZipRecruiter

Log In

1

Insurance Underwriter Jobs in Ohio (NOW HIRING)

Core Specialty

Underwriter

Cincinnati, OH · On-site

Knowledge of insurance company operations * Familiarity with company systems, procedures & processes * Solid understanding of policy wordings and clauses * Understanding of all pricing/underwriting ...

Core Specialty

Underwriter

Cincinnati, OH · Hybrid

Knowledge of insurance company operations * Familiarity with company systems, procedures & processes * Solid understanding of policy wordings and clauses * Understanding of all pricing/underwriting ...

The Hartford

AVP Applied AI

Columbus, OH · On-site +1

... Insurance. This role partners closely with underwriting, product, actuarial, and technology leaders to deliver scalable, production ready models and AI driven decision systems that support complex ...

Encova Insurance

Underwriter, Small Business

Columbus, OH · On-site +1

$61K - $110K/yr

... underwriting experience with Package Lines and Workers' Compensation. We may hire a senior level ... If you know a current Encova Insurance associate and would like to apply as a referral, please ...

Encova Insurance

Underwriter, Small Business

Columbus, OH · On-site +1

$61K - $110K/yr

... underwriting experience with Package Lines and Workers' Compensation. We may hire a senior level ... If you know a current Encova Insurance associate and would like to apply as a referral, please ...

next page

Showing results 1-20

All JobsInsurance Underwriter JobsInsurance Underwriter Jobs in Ohio

Insurance Underwriter information

See Ohio salary details

$26.6K

$59.2K

$99.8K

How much do insurance underwriter jobs pay per year?

As of Aug 26, 2026, the average yearly pay for insurance underwriter in Ohio is $59,212.00, according to ZipRecruiter salary data. Most workers in this role earn between $41,800.00 and $79,400.00 per year, depending on experience, location, and employer.

What is an insurance underwriter?

Insurance underwriters evaluate insurance policy applications, assess the risk, and make recommendations for coverage and premium pricing to insurance issuers. As an insurance underwriter, you use computer software and specific criteria to assess risk and establish pricing and research other factors such as market trends and equity values to provide data to support your recommendations. You determine if the policy will likely be a good financial investment for the insurance provider.

What does an insurance underwriter do?

An insurance underwriter evaluates applications for insurance coverage and determines the level of risk involved in insuring a person or asset. They review information such as application forms, medical records, and financial documents to decide whether to offer insurance and at what premium rate. Underwriters play a crucial role in helping insurance companies set appropriate coverage terms and minimize potential losses. Their work ensures that the company remains profitable while providing fair and accurate coverage to clients.

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

To thrive as an Insurance Underwriter, you need strong analytical skills, attention to detail, and a solid understanding of finance and risk assessment, often supported by a bachelor's degree in business, finance, or related fields. Familiarity with underwriting software, risk management systems, and relevant certifications like Chartered Property Casualty Underwriter (CPCU) is typically required. Excellent communication, decision-making, and negotiation skills help underwriters explain policies and collaborate effectively with agents and clients. These skills are vital for accurately assessing risk, ensuring profitability, and maintaining strong client relationships in the insurance industry.

What are some common challenges insurance underwriters face in balancing risk and customer satisfaction?

Insurance underwriters often face the challenge of assessing risks accurately while maintaining competitive offerings that satisfy clients. Striking the right balance can be difficult, as being too cautious may result in lost business, while being overly lenient can lead to unprofitable claims. Underwriters must stay current with industry trends, regulations, and risk assessment tools, and they frequently collaborate with agents and actuaries to ensure sound decisions. Effective communication and analytical skills are essential to navigate these competing demands and to help build long-term client relationships.

What is the difference between Insurance Underwriter vs Claims Adjuster?

AspectInsurance UnderwriterClaims Adjuster
Primary RoleAssess risk and determine policy termsEvaluate insurance claims and determine payouts
Required CredentialsTypically requires a bachelor's degree; certifications like CPCU are commonOften requires a bachelor's degree; certifications like AIC or CPCU are beneficial
Work EnvironmentOffice-based, analyzing data and risk factorsField and office-based, investigating claims and interviewing claimants
Industry UsageUsed across insurance companies for policy issuanceUsed for claims processing and settlement

Both roles are integral to the insurance industry, with underwriters focusing on risk assessment before policy issuance, and claims adjusters handling claims after a loss occurs. While their work environments and responsibilities differ, they often require similar credentials and certifications, making them closely related career paths within insurance companies.

Is it hard to become an insurance underwriter?

Becoming an insurance underwriter typically requires a bachelor's degree in a related field such as finance, business, or economics, along with strong analytical and decision-making skills. Gaining industry-specific knowledge through training or certification can also be beneficial, but the difficulty varies depending on individual background and experience.
More about Insurance Underwriter jobs

What are the most commonly searched types of Insurance Underwriter jobs in Ohio?

The most popular types of Insurance Underwriter jobs in Ohio are:

What cities in Ohio are hiring for Insurance Underwriter jobs?

Cities in Ohio with the most Insurance Underwriter job openings:

What are popular job titles related to Insurance Underwriter jobs in OH?

For Insurance Underwriter jobs in OH, the most frequently searched job titles are:

Insurance Underwriter jobs near you
Infographic showing various Insurance Underwriter job openings in Ohio as of August 2026, with employment types broken down into 60% Full Time, 20% Part Time, and 20% Contract. Highlights an 100% In-person job distribution, with an average salary of $59,212 per year, or $28.5 per hour.

Senior Life Insurance Underwriter

Western & Southern Financial Group

Cincinnati, OH • On-site

$96K - $113K/yr

Full-time

Life

Re-posted 18 days ago

Western & Southern Financial Group rating

8.9

Company rating: 8.9 out of 10

Based on 9 frontline employees who took The Breakroom Quiz

36th of 312 rated insurance

Job description

Overview
Independently evaluates and classifies risks on applications for life, accident and critical illness insurance including supplemental benefits and policy changes in accordance with mortality and morbidity pricing assumptions. Underwrites life insurance applications and associated risks. Classifies the risk with a minimum of underwriting requirements. Verbally discusses cases with Field Sales associates and applicants, which may involve explaining the reasons the Company took adverse action on an application and attempting to diminish any negative reaction by the applicant. Develops a strong knowledge of human physiology in order to glean the necessary information from the data collected. In addition, builds a high level of knowledge of other technical aspects of the underwriting process, which includes financial needs, insurable interests, avocations and occupations along with a comprehensive knowledge of the Company's products and procedures. Concurs on cases that are over the Underwriters' limits of authority; the Senior Underwriter will be responsible for the final approval of these cases. Reviews the cases of the Underwriters to determine the quality of the work and any developmental needs.
Responsibilities
What you will do:
  • Review life applications, policy change requests, and reinstatements for completeness and accuracy, ensuring underwriting rules, philosophies, laws and practices are followed.
  • Evaluate medical, financial, and non-medical information, as developed, to determine the risk classification according to company guidelines.
  • Determine appropriateness of applied coverage (i.e., sufficient financial justification, appropriate insurable interest).
  • Make underwriting decisions that produce claim results within the Company's mortality expectations.
  • Review and provide approval on cases completed by less tenured underwriters.
  • Comply with federal and state rules and regulations (i.e., MIB, Fair Credit Reporting Act, blood testing, Replacements, 1035 Exchanges, etc.).
  • Communicate clearly and provide accurate information verbally and in writing to the field force, vendors, reinsurers, various Home Office associates, etc., while following proper rules of punctuation, grammar, dictation, and style.
  • Train new underwriters on processes, systems and underwriting philosophy. Develop and presents structured job-specific training as management directs, applying appropriate adult-learning principles.
  • Gives proper direction to the New Business support staff and Underwriters.
  • Serves in the lead position for the team on a periodic basis, communicating workflow to the group and other teams.
  • Periodically prepare procedures to be used in work-related procedural and training manuals, and also prepares formal reports in conjunction with department projects.
  • Maintains confidentiality of information including sensitive medical, financial, personal and payroll information.
  • Performs other duties as assigned.
  • Complies with all policies and standards.

Qualifications
  • College degree or relevant underwriting experience - Preferred
  • 5 years experience as a life insurance underwriter - Required
  • 1 year experience as a Nurse Practitioner or equivalent position - Required
  • Demonstrated knowledge of medical terminology. -
  • Demonstrated strong negotiation skills and experience "selling" adverse decisions to producers in a clear, concise and positive manner that leaves producers feeling good about the decisions. -
  • Proven strong analytical skills, including demonstrated experience identifying and quantifying problems and providing effective resolution. -
  • Demonstrated excellent verbal and written communication skills with ability to convey information to internal and external customers in a clear, focused and concise manner. -
  • Proven examples of handling difficult situations effectively while maintaining high volumes of work. -
  • Demonstrated strong attention to detail with excellent organizational skills. Cite examples of organization and time management methods used to manage or prioritize workload demands. -
  • Proven ability to successfully demonstrate strong financial and medical underwriting skills. -
  • Working knowledge of word processing and spreadsheet applications. -
  • LOMA 280, 290, 311, 320, ACS-100 (Designation), ALU-1, ALU-2 and/or commensurate experience as outlined in the selection criteria section. - Required

Work Setting/Position Demands:
  • Works in an office setting and remains in a stationary position for long periods of time while working at a desk, on a computer or with other standard office equipment, or while in meetings.
  • Requires the ability to verbally communicate and exchange accurate information to customers and associates on a regular basis.
  • Requires visual acuity to read and interpret a variety of correspondence, procedures, reports and forms via paper and electronic documents, visual inspection involving small defects; small parts, and/or operation of machinery (including inspection); using measurement devices continuously. Visual acuity is required to determine accuracy, neatness, and thoroughness of work assigned.
  • Requires the ability to prepare written correspondence, reports and forms using prescribed formats and conforming to rules of punctuation, grammar, diction, and style on a regular basis.
  • Requires the ability to apply principles of logical thinking to define problems, collect data, establish facts, and draw valid conclusions
  • Performs substantial movement of wrists, hands, and fingers for continuous computer work.
  • Extended hours required during peak workloads or special projects/events.

Travel Requirements:
  • 5% travel Occasional travel for industry conferences or producer meetings.

What Western & Southern Financial Group employees say

Pay

Benefits

Hours and flexibility

Workplace

Get the full story on Breakroom

Apply