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Life Insurance Underwriter Jobs in Alabama (NOW HIRING)

Liberty Mutual

Senior Underwriter, Energy

Birmingham, AL · On-site

$92K - $109K/yr

CPCU or professional insurance designation preferred * Proven analytical ability to evaluate and ... This comes to life through comprehensive benefits, workplace flexibility, professional development ...

Liberty Mutual

Senior Underwriter, Energy

Birmingham, AL · On-site

$69K - $215K/yr

CPCU or professional insurance designation preferred * Proven analytical ability to evaluate and ... This comes to life through comprehensive benefits, workplace flexibility, professional development ...

Busey

$85K - $110K/yr

Position Summary Summary The Special Assets Commercial Underwriter provides accurate, timely, and ... life insurance and long-term disability, supplemental voluntary life insurance, short-term and ...

Alfa Insurance

Insurance Agent

Birmingham, AL · On-site

Both the property and casualty companies and the life insurance company hold an A (Excellent ... underwriting and other internal teams. The Insurance Agent is expected to build long-term ...

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All JobsLife Insurance Underwriter JobsLife Insurance Underwriter Jobs in Alabama

Life Insurance Underwriter information

See Alabama salary details

$56.6K

$74.4K

$94.3K

How much do life insurance underwriter jobs pay per year?

As of Sep 7, 2026, the average yearly pay for life insurance underwriter in Alabama is $74,414.00, according to ZipRecruiter salary data. Most workers in this role earn between $67,100.00 and $77,000.00 per year, depending on experience, location, and employer.

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?

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 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 you become a life insurance underwriter?

To become a life insurance underwriter, candidates typically need a bachelor's degree in finance, economics, or a related field. 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.

Is it hard to be a life insurance underwriter?

Being a life insurance underwriter involves analyzing applicants' health and financial information to assess risk, which requires attention to detail, strong analytical skills, and knowledge of insurance policies. The role can be challenging due to the need for accuracy and adherence to regulations, but it often involves standard procedures and tools like underwriting software. Success in this field depends on experience, training, and certification such as the Chartered Life Underwriter (CLU) designation.

What do life insurance underwriters make?

Life insurance underwriters typically earn a median annual salary of around $70,000 to $80,000, with experienced professionals and those in senior roles earning higher. Salaries can vary based on location, experience, and the size of the employer, and underwriters often use specialized software and risk assessment skills in their work.

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

The most popular types of Life Insurance Underwriter jobs in Alabama are:

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

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

What job categories do people searching Life Insurance Underwriter jobs in Alabama look for?

The top searched job categories for Life Insurance Underwriter jobs in Alabama are:

What cities in Alabama are hiring for Life Insurance Underwriter jobs?

Cities in Alabama with the most Life Insurance Underwriter job openings:

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

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

Life Insurance Underwriter jobs near you
Infographic showing various Life Insurance Underwriter job openings in Alabama as of August 2026, with employment types broken down into 1% As Needed, 77% Full Time, 16% Part Time, 1% Temporary, and 5% Contract. Highlights an 85% Physical, 1% Hybrid, and 14% Remote job distribution, with an average salary of $74,414 per year, or $35.8 per hour.

Life Protection Advisor

Security National Life Insurance Company

Mobile, AL • On-site

$80 - $100/hr

Other

Posted 6 days ago

Job description

This position is focused on helping families protect themselves from the financial burden of funeral and final expenses through life insurance. We offer both face-to-face and telesales opportunities, so there's flexibility depending on your strengths and preferences.

The role is sales-driven, but it's also very rewarding because you're helping families prepare for an important life event.

What We Offer

Some of the benefits include:

  • Uncapped commissions with daily pay
  • Career advancement opportunities
  • Ongoing sales incentives, bonuses, and contests
  • Comprehensive sales training, easy underwriting, and a customized CRM
  • Company-assisted lead programs that provide fresh and exclusive leads to help you build your business

Many agents appreciate that they can control their income based on the effort they put in.

What We\'re Looking For

We\'re looking for someone who:

  • Has a life insurance license, or is willing to obtain one.
  • Enjoys helping people.
  • Is self-motivated and comfortable working independently.
  • Can pass a background check.

Previous insurance experience is helpful but not always required if you\'re motivated and coachable.

Daily Responsibilities

In this role, you\'ll:

  • Meet with prospective clients either in person or over the phone.
  • Identify their final expense insurance needs.
  • Recommend coverage that can help pay for funeral costs, legal expenses, or other household obligations.
  • Build and maintain long-term relationships with your clients.
About Security National Life

Security National Life has been serving families since 1965 and is headquartered in Salt Lake City. We\'ve experienced tremendous growth over the past year, and our mission is to provide affordable final expense coverage that meets the needs of every family.

Our agents receive support, training, and access to products designed to help them succeed.

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