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Insurance Underwriter Jobs in Tennessee (NOW HIRING)

Unum UK

Senior Underwriter

Chattanooga, TN · On-site

$53K - $100K/yr

... insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution ...

Evolve Bank & Trust

SBA Loan Underwriter

Cordova, TN · On-site

The SBA Loan Underwriter is responsible for facilitating the accurate and timely analysis and underwriting of SBA 7(a) and 504 loan submissions to the point of bank credit decision. Responsible for ...

Evolve Bank & Trust

SBA Loan Underwriter

Memphis, TN · On-site

The SBA Loan Underwriter is responsible for facilitating the accurate and timely analysis and underwriting of SBA 7(a) and 504 loan submissions to the point of bank credit decision. Responsible for ...

Evolve

SBA Loan Underwriter

Memphis, TN · On-site

The SBA Loan Underwriter is responsible for facilitating the accurate and timely analysis and underwriting of SBA 7(a) and 504 loan submissions to the point of bank credit decision. Responsible for ...

CS&A Insurance

Insurance Producer/Sales

Franklin, TN · On-site

$65K - $120K/yr

Stay informed on carrier appetite, underwriting guidelines, and market trends Compliance ... Strong working knowledge of insurance products and risk management principles Education Bachelor ...

CS&A Insurance

Insurance Account Manager

Franklin, TN · On-site

$55K - $85K/yr

The Insurance Account Manager is responsible for servicing and supporting client accounts, managing ... Monitor underwriting requirements and carrier guidelines to ensure compliance Compliance ...

WB Agency

Sales Agent (Insurance)

Chattanooga, TN · On-site

$70K - $100K/yr

Assess potential risks and identify factors that may influence underwriting decisions. * Complete ... State insurance license (Life/Health) or ability to obtain one. * Strong communication ...

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Insurance Underwriter information

See Tennessee salary details

$25.4K

$56.5K

$95.3K

How much do insurance underwriter jobs pay per year?

As of Sep 1, 2026, the average yearly pay for insurance underwriter in Tennessee is $56,529.00, according to ZipRecruiter salary data. Most workers in this role earn between $39,900.00 and $75,800.00 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.
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Insurance Underwriter jobs near you
Infographic showing various Insurance Underwriter job openings in Tennessee as of August 2026, with employment types broken down into 1% As Needed, 78% Full Time, 17% Part Time, and 4% Contract. Highlights an 89% Physical, 1% Hybrid, and 10% Remote job distribution, with an average salary of $56,529 per year, or $27.2 per hour.

Senior Underwriter

Unum UK

Chattanooga, TN • On-site

$53K - $100K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 20 days ago

Job description

Job Posting End Date: September 29

When you join the team at Unum, you become part of an organization committed to helping you thrive.

Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life's moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide:

  • Award-winning culture

  • Inclusion and diversity as a priority

  • Performance Based Incentive Plans

  • Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability

  • Generous PTO (including paid time to volunteer!)

  • Up to 9.5% 401(k) employer contribution

  • Mental health support

  • Career advancement opportunities

  • Student loan repayment options

  • Tuition reimbursement

  • Flexible work environments

*All the benefits listed above are subject to the terms of their individual Plans.

And that's just the beginning...

With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you're directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today!

General Summary:The Senior Underwriter will demonstrate strong risk evaluation, selection and retention of profitable business within assigned authority limits. This also requires a strong ability to partner with Company sales teams, brokers and all internal partners.

Principal Duties and Responsibilities

  • Consult with sales and service partners to provide the products and plan options that best meet the needs of our customers.
  • Evaluate and select risk to ensure the profitable acquisition of new cases and the continued profitable retention of in force cases.
  • Conduct high quality risk assessments on all cases to assure business guidelines, target profit and metrics are met. Identify and analyze risk trends, making recommendations for addressing these
  • Maintain a fully developed knowledge of the Company's products, the sales, implementation, and enrollment processes, and market place influences
  • Deliver dependable, accurate, and timely service while maintaining relationships with internal and external partners
  • Assist with training, technical development and mentoring more junior underwriters

Job Specifications

  • Bachelors degree or equivalent, relevant business experience
  • Demonstrated, consistent proficiency at Underwriter level
  • Fully developed knowledge of product provisions, plan designs, pricing and contractual benefits
  • Strong technical expertise in risk selection
  • Demonstrated understanding of top-line and bottom-line objectives
  • Exhibit strong knowledge of sales/distribution process and market trends
  • Solid mentoring and coaching skills
  • Strong creative problem solving skills
  • Strong critical thinking/analytical reasoning skills
  • Strong communication skills, both verbal and written
  • Strong organizational skills and ability to handle multiple priorities
  • Strong ability to be persuasive and to negotiate
  • Demonstrated ability to work both independently and in a team environment
  • Exhibit a strong commitment to quality and personal ownership of results

#LI-JQ1

~IN1

Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide.

Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.

The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience.

$53,300.00-$100,700.00

Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans.

Company:

Unum

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