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Life Insurance Analyst Jobs in Texas (NOW HIRING)

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Life Insurance Analyst information

Can I get life insurance with lupus?

A Life Insurance Analyst would note that individuals with lupus can qualify for life insurance, but approval and premium rates depend on disease severity, control, and overall health. Insurers may require medical records and a detailed health assessment, and applicants with well-managed lupus typically have better chances of approval.

What are some common challenges faced by Life Insurance Analysts when evaluating complex policies?

Life Insurance Analysts often encounter challenges when assessing policies with unique riders, variable benefits, or non-standard underwriting criteria. Interpreting policy language, ensuring compliance with regulatory standards, and accurately evaluating risk profiles can be demanding, especially when working with incomplete or ambiguous information. Collaboration with underwriters, actuaries, and legal teams is frequently necessary to resolve complexities, making strong communication and analytical skills essential for success in this role.

What is a life insurance analyst?

A life insurance analyst evaluates policies, risk factors, and market trends to assist insurance companies in pricing and underwriting life insurance products. They analyze data, assess applicant information, and may use tools like actuarial software to support decision-making. Strong analytical skills and knowledge of insurance regulations are essential for this role.

What is the difference between Life Insurance Analyst vs Actuary?

AspectLife Insurance AnalystActuary
Required CredentialsBachelor's degree, possibly some actuarial examsBachelor's degree, professional actuarial certifications (e.g., ASA, FSA)
Work EnvironmentInsurance companies, consulting firms, financial institutionsInsurance companies, consulting firms, government agencies
Job FocusAnalyzing policy data, risk assessment, financial modelingCalculating probabilities, setting premiums, reserving, risk modeling

While both roles involve analyzing insurance data, Life Insurance Analysts focus on policy analysis and financial modeling, whereas Actuaries perform complex risk calculations and premium setting using advanced statistical methods. Both roles require strong analytical skills and familiarity with insurance products, but Actuaries typically hold professional certifications and engage in more specialized risk assessment tasks.

What does a Life Insurance Analyst do?

A Life Insurance Analyst is responsible for evaluating life insurance policies, reviewing applications, and assessing risk to determine appropriate coverage and premiums. They analyze financial and medical information to ensure compliance with regulations and company policies. Their work helps both insurance companies and clients make informed decisions about life insurance products and coverage options.

How much does an insurance analyst make?

An insurance analyst typically earns a median annual salary of around $65,000 to $75,000, depending on experience, location, and industry. Entry-level analysts may start lower, while experienced professionals or those with specialized skills can earn over $90,000 annually.

What are the key skills and qualifications needed to thrive as a Life Insurance Analyst, and why are they important?

To thrive as a Life Insurance Analyst, you need strong analytical skills, attention to detail, and a solid understanding of insurance principles, typically supported by a degree in finance, business, or a related field. Proficiency in data analysis tools, insurance management systems, and knowledge of regulatory compliance, as well as certifications like FLMI, are often required. Excellent communication, critical thinking, and problem-solving skills help analysts interpret complex data and explain findings to clients or stakeholders. These skills ensure accurate risk assessment, compliance, and effective policy recommendations within the insurance industry.

What does an insurance analyst do?

An insurance analyst evaluates insurance policies, assesses risk, and determines appropriate coverage and premiums. They analyze data, review policy applications, and may use specialized software to support underwriting decisions and ensure compliance with industry standards.
What cities in Texas are hiring for Life Insurance Analyst jobs? Cities in Texas with the most Life Insurance Analyst job openings:
Infographic showing various Life Insurance Analyst job openings in Texas as of July 2026, with employment types broken down into 100% Full Time. Highlights an 86% In-person, and 14% Hybrid job distribution.

Life/Health Insurance Position - State Farm Agent Team Member

Kari Hargrave - State Farm Agent

Royse City, TX • On-site

$50K - $85K/yr

Full-time

Medical, Life, Retirement, PTO

Re-posted 21 days ago


Job description

ROLE DESCRIPTION:
Kari Hargrave - State Farm Agent is seeking a qualified and empathetic professional for the role of Life/Health Insurance Position - State Farm Agent Team Member. As a customer-oriented expert, you will market the Life/Health insurance services and products to benefit customers and their families. Your experience equips you to continually grow your income as you provide the necessary support and reassurances. 
As a strategic and emotionally intelligent resource to the community, we are excited to expand our successful agency with your skillset. 
RESPONSIBILITIES:
  • Offer life and health insurance policies to new and existing customers.
  • Conduct needs analysis to identify insurance products for customers.
  • Explain policy features, benefits, and exclusions to customers.
  • Assist customers with claims and policy changes.
  • Develop and maintain customer relationships.
  • Stay updated on industry trends and new product offerings.
  • Ensure compliance with state and federal regulations.
QUALIFICATIONS:
  • State insurance license for life and health insurance.
  • Communication and interpersonal skills.
  • Ability to understand and explain complex insurance products.
  • Sales experience, preferably in life and health insurance.
  • Detail-oriented with excellent organizational skills.
  • Ability to build and maintain customer relationships.
  • Proficiency with insurance agency software.
BENEFITS:
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  • Salary plus commission/bonus (no commission limit) with monthly and annual bonuses
  • Paid time off
  • Matching 401K 
  • Training & development 
  • Bonus based on performance
  • Wellness resources
  • Opportunity for advancement
  • Group Life Insurance