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Insurance Underwriter Jobs in Normal, IL (NOW HIRING)

InsuraTec

Sales Representative (Remote)

Morton, IL · Remote

Comprehensive training to help you obtain a life insurance license and sharpen sales skills. * Underwriting Collaboration : Work closely with underwriting to facilitate smooth policy issuance.

InsuraTec

Sales Representative (Remote)

Lincoln, IL · Remote

Comprehensive training to help you obtain a life insurance license and sharpen sales skills. * Underwriting Collaboration : Work closely with underwriting to facilitate smooth policy issuance.

InsuraTec

Sales Representative (Remote)

Normal, IL · Remote

Comprehensive training to help you obtain a life insurance license and sharpen sales skills. * Underwriting Collaboration : Work closely with underwriting to facilitate smooth policy issuance.

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All JobsInsurance Underwriter JobsInsurance Underwriter Jobs in Normal, IL

Insurance Underwriter information

See Normal, IL salary details

$27.4K

$60.9K

$102.7K

How much do insurance underwriter jobs pay per year?

As of Jun 16, 2026, the average yearly pay for insurance underwriter in Normal, IL is $60,892.00, according to ZipRecruiter salary data. Most workers in this role earn between $43,000.00 and $81,600.00 per year, depending on experience, location, and employer.

What degree do I need to be an Insurance Underwriter?

Insurance underwriters typically need at least a bachelor's degree in fields such as finance, economics, business, or risk management. Relevant skills include strong analytical abilities and knowledge of insurance policies and regulations; some roles may require industry certifications like the Chartered Property Casualty Underwriter (CPCU).

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

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 qualifications do I need to be an underwriter?

To become an insurance underwriter, a bachelor's degree in fields like finance, economics, or business is typically required. Relevant skills include strong analytical abilities, attention to detail, and knowledge of insurance policies and risk assessment. Professional certifications such as the Chartered Property Casualty Underwriter (CPCU) can enhance job prospects.

Is insurance underwriting a good career?

Insurance underwriting is a stable career that involves evaluating risks and determining policy terms, often requiring analytical skills and attention to detail. It offers opportunities for advancement, certification, and a typical office schedule, making it a viable option for those interested in finance and risk management.

What Are Insurance Underwriters?

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 do you do as an Insurance Underwriter?

An Insurance Underwriter evaluates insurance applications to determine coverage eligibility and premium rates based on risk assessment. They analyze factors such as applicant information, policy details, and industry data, often using specialized software, to make informed decisions that balance company risk and profitability.

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.

More about Insurance Underwriter jobs
What are popular job titles related to Insurance Underwriter jobs in Normal, IL? For Insurance Underwriter jobs in Normal, IL, the most frequently searched job titles are:
What job categories do people searching Insurance Underwriter jobs in Normal, IL look for? The top searched job categories for Insurance Underwriter jobs in Normal, IL are:
What cities near Normal, IL are hiring for Insurance Underwriter jobs? Cities near Normal, IL with the most Insurance Underwriter job openings:
Insurance Underwriter jobs near you
Infographic showing various Insurance Underwriter job openings in Normal, IL as of June 2026, with employment types broken down into 3% As Needed, 36% Full Time, and 61% Part Time. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $60,892 per year, or $29.3 per hour.
Insurance Agent - Bloomington, IL

Insurance Agent - Bloomington, IL

American Family Mutual Insurance Company Si

Bloomington, IL • On-site

Full-time

Posted 29 days ago

American Family Insurance rating

7.6

Company rating: 7.6 out of 10

Based on 131 frontline employees who took The Breakroom Quiz

186th of 261 rated insurance

Job description

Community leader. Protector of dreams. That's what it means to be an American Family Insurance Agent! It's a highly rewarding opportunity that allows you to create financial stability while making a positive impact on our customers' lives. If you're looking for a chance to own your future - we're interested in you! Apply today.

We're not simply looking for "salespeople" to become Agents. We're searching for passionate relationship builders-people who are ready to make a real impact in their community, provide exceptional care to our customers, and build something truly amazing!

You don't need insurance experience to succeed here. We welcome candidates from all industries and a variety of backgrounds, and if you do have insurance experience-that's a plus! Our Talent Acquisition team reviews every application and connects with qualified candidates to start the conversation. Explore your potential and apply today!

Agents operate as independent contractors, representing American Family and its products exclusively. As an Insurance Agent, you'll be responsible for your agency's overall management, sales, and growth. You'll also hire your team and work with them to meet the strategic business goals you set.

Reasons why you should become an American Family Insurance Agent:

  • Financially Fit: American Family has the financial security to protect the dreams of your policyholders
  • Fortune 500 company that is among the largest Property and Casualty insurance groups
  • Offer American Family Insurance products as well as products and services through our subsidiary partners
  • Training and support from a local team - from marketing, prospecting, business consultation and more
  • Unlimited compensation potential including a New Agent Incentive Program

Requirements

  • Obtain Property and Casualty and Life and Health insurance licenses
  • Ability to pass a motor vehicle, financial/credit and criminal background check

We believe people are an organization's most valuable asset, and their ideas and experiences matter.From our CEO to our agency force, we're committed to growing a diverse and inclusive culture that empowers innovation that will inspire, protect, and restore our customers' dreams in ways never imagined.

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What American Family Insurance employees say

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