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Life Insurance Underwriter Jobs (NOW HIRING)

Globe Life

Life Insurance Underwriter

Mckinney, TX · Remote

The Life Underwriter is responsible for screening life insurance applications for selection of risks rendering an issue standard, rate, or decline disposition with the guidance of an underwriter or ...

Globe Life

Life Insurance Underwriter

Mckinney, TX · Remote

The Life Underwriter is responsible for screening life insurance applications for selection of risks rendering an issue standard, rate, or decline disposition with the guidance of an underwriter or ...

Robert Half

Life Insurance Underwriter

New Haven, CT · On-site

$85K - $95K/yr

We're seeking a detail-oriented Underwriter to join our growing team and help assess and manage individual life insurance risk. We need help guiding by our mission, we've donated $1.7B+ over the past ...

Diedre Moire Corp.

Insurance Underwriter

Austin, TX · On-site

$100K - $200K/yr

Fantastic company life with great work-life balance. For complete details contact Greg Foss at ... Insurance Underwriter Specialty Program Excess Surplus Commercial Lines Program Underwriter ...

Diedre Moire Corp.

Insurance Underwriter

Newark, NJ · On-site

$100K - $300K/yr

Availability of life, group, disability, personal, and travel insurance. Great work life balance ... Insurance Underwriter Specialty Program Excess Surplus Commercial Lines Program Underwriter ...

Diedre Moire Corp.

Insurance Underwriter

Bridgeport, CT · On-site

$100K - $300K/yr

Fantastic company life with great work-life balance. For complete details contact Greg Foss at ... Insurance Underwriter Specialty Program Excess Surplus Commercial Lines Program Underwriter ...

Diedre Moire Corp.

Insurance Underwriter

Austin, TX · On-site

$100K - $200K/yr

Fantastic company life with great work-life balance. For complete details contact Greg Foss at ... Insurance Underwriter Specialty Program Excess Surplus Commercial Lines Program Underwriter ...

Diedre Moire Corp.

Insurance Underwriter

Toledo, OH · On-site

$100K - $300K/yr

Ins Underwriter - Personal Grooming & Fitness Business - Toledo, OH Insurance Underwriter Specialty ... Availability of life, group, disability, personal, and travel insurance. Great work life balance ...

Diedre Moire Corp.

Insurance Underwriter

Green Bay, WI · On-site

$100K - $300K/yr

Requirements: • Bachelors degree. • 4+ years of Complex Commercial or similar Underwriting experience in the Medical Tech, Technology, Life Sciences, or similar industry. Join a leading insurer ...

Diedre Moire Corp.

Insurance Underwriter

Kentwood, MI · On-site

$100K - $300K/yr

... life. For complete details contact Greg Foss at: (609) 584-9000 ext 270 Or submit resume online at ... Insurance Underwriter Specialty Program Excess Surplus Commercial Lines Program Underwriter ...

Diedre Moire Corp.

Insurance Underwriter

Crafton, PA · On-site

$100K - $300K/yr

... life. For complete details contact Greg Foss at: (609) 584-9000 ext 270 Or submit resume online at ... Insurance Underwriter Specialty Program Excess Surplus Commercial Lines Program Underwriter ...

Ethos Life

Senior Life Underwriter

$77K - $136K/yr

About Ethos Ethos is a leading life insurance technology company on a mission to protect families ... Understand underwriting policies, guidelines, practices and procedures * Determine whether to ...

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Life Insurance Underwriter information

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$62.5K

$82.1K

$104K

How much do life insurance underwriter jobs pay per year?

As of Jun 30, 2026, the average yearly pay for life insurance underwriter in the United States is $82,099.00, according to ZipRecruiter salary data. Most workers in this role earn between $74,000.00 and $85,000.00 per year, depending on experience, location, and employer.

What does an underwriter do in life insurance?

A life insurance underwriter evaluates applications to determine the risk of insuring an individual. They review medical histories, financial information, and other data to decide coverage eligibility and premium rates, often using specialized software and adhering to company guidelines.

What does a Life Insurance Underwriter do?

A Life Insurance Underwriter is responsible for evaluating applications for life insurance policies. They assess the risk of insuring individuals by reviewing medical histories, financial information, and lifestyle factors. Based on their analysis, they decide whether to approve or deny coverage and determine the appropriate premiums for each applicant. Their goal is to ensure that the insurance company maintains a balanced risk portfolio while providing fair coverage to clients.

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

To thrive as a Life Insurance Underwriter, you need strong analytical skills, attention to detail, and a background in finance, business, or a related field, often supported by a bachelor's degree. Familiarity with underwriting software, risk assessment tools, and knowledge of industry standards such as LOMA or ALU certifications are typically required. Excellent decision-making, communication, and customer service skills help underwriters effectively evaluate applications and explain complex decisions to clients or agents. These competencies ensure accurate risk evaluation, compliance with regulations, and maintaining profitable portfolios for insurance companies.

What are some typical challenges Life Insurance Underwriters face when assessing complex applications?

Life Insurance Underwriters often encounter challenges when evaluating applications with incomplete medical histories, ambiguous financial documentation, or unique risk factors such as rare medical conditions or hazardous occupations. These cases require thorough investigation, effective communication with applicants and medical professionals, and careful application of underwriting guidelines. Balancing risk assessment with customer service and regulatory compliance can also be demanding, but it provides valuable opportunities for professional growth and problem-solving.

What do life insurance underwriters make?

Life insurance underwriters typically earn a median annual salary ranging from $50,000 to $80,000, depending on experience, location, and employer. Senior underwriters or those in specialized roles can earn higher salaries, and the job often requires strong analytical skills and knowledge of insurance policies.

Can I get life insurance with lupus?

Life insurance underwriters evaluate applicants with lupus based on disease severity, stability, and treatment response. While coverage is possible, individuals with lupus may face higher premiums or exclusions depending on their health status and medical history. Providing detailed medical records and working with an experienced underwriter can improve approval chances.

What is the difference between Life Insurance Underwriter vs Claims Adjuster?

AspectLife Insurance UnderwriterClaims Adjuster
Required CredentialsInsurance licenses, underwriting certificationsClaims adjusting licenses, insurance knowledge
Work EnvironmentOffice-based, analytical settingField or office, investigative role
Employer & Industry UsageInsurance companies, underwriting departmentsInsurance companies, claims departments

While both roles are vital in the insurance industry, a Life Insurance Underwriter primarily assesses risk and determines policy eligibility, whereas a Claims Adjuster evaluates claims after a loss occurs. The underwriter focuses on preventing losses through risk analysis, while the adjuster handles claims processing and settlement. Both roles require insurance knowledge and licensing, but their daily tasks and focus areas differ significantly.

How do I become a life insurance underwriter?

To become a life insurance underwriter, you typically need a bachelor's degree in fields like finance, economics, or related areas. Gaining experience in insurance or risk assessment and obtaining professional certifications such as the Chartered Property Casualty Underwriter (CPCU) can improve job prospects. Strong analytical skills and knowledge of underwriting software are also important for success in this role.
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Life Insurance Underwriter jobs near you
Infographic showing various Life Insurance Underwriter job openings in the United States as of June 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 $82,099 per year, or $39.5 per hour.
Life Insurance Underwriter

Life Insurance Underwriter

Globe Life

Mckinney, TX • Remote

Full-time

Medical, Life

Posted 6 days ago

Globe Life Insurance rating

7.6

Company rating: 7.6 out of 10

Based on 21 frontline employees who took The Breakroom Quiz

188th of 277 rated insurance

Job description

The Life Underwriter is responsible for screening life insurance applications for selection of risks rendering an issue standard, rate, or decline disposition with the guidance of an underwriter or written guidelines. The person will handle the implementation of underwriting policies and procedures related to the processing of new business and underwriting processes as related to other department processes. All duties require identification of medical terminology, identification of prescription medications, use of the Swiss Re Underwriting manual, and evaluation of MIB, phone calls, motor vehicle records, lab results, paramedical exams, and medical records.

Primary Duties & Responsibilities:

· Responsible for screening life insurance applications including trial applications for selection of risks rendering either an issue standard, rate, or reject disposition with the guidance of an underwriter or written guidelines

· Implementation of underwriting policies and procedures related to the processing of new business and other department processes

· Implementation of medical guidelines using the Swiss Re Underwriting manual and company notes

· MIB code reporting and interpretation of MIB code data

· Review and evaluate results of oral saliva tests

· Review and evaluate results of agent verification calls and other underwriting phone calls

· Review and evaluate motor vehicle records (MVRs)

· Review and evaluate prescription (Rx) histories to determine associated health conditions

· Review, summarize, and evaluate medical records (APSs)

· Review and evaluate paramedical exams and lab results

· Respond to customer service inquiries regarding dispositions

· Evaluate health information received with add-ons, modifications, and reinstatements

· Assist with other underwriting areas as deemed necessary by department management

Company Description

For more than 120 years, Globe Life has helped protect working families by providing life and supplemental health insurance products across the United States. As one of the nation's largest providers of individual life insurance, Globe Life serves millions of policyholders through multiple distribution channels and is consistently recognized for its financial strength and long-term stability.
Today, Globe Life is investing in the future by building innovative sales and service operations supported by modern technology, data-driven decision making, and exceptional leadership. We're looking for professionals who enjoy solving complex challenges, leading change, and making a measurable impact on the customer experience.

What Globe Life Insurance employees say

Pay

Benefits

Hours and flexibility

Workplace

Get the full story on Breakroom

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About Globe Life

Sourced by ZipRecruiter

Our Actions Today have a lasting impact on Tomorrow. Therefore, We aim to inspire everyone in our network to help Make Tomorrow Better. At Globe Life, We empower our Customers by offering products that help secure their Financial Future and Protect them from the unexpected. We give our Employees the chance to give back, Support Initiatives with a Service First Mindset, and Promote from within.

Industry

Insurance services and insurance agencies and brokerages

Company size

1,001 - 5,000 Employees

Headquarters location

McKinney, TX, US

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