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Life Insurance Underwriter Jobs in Arizona (NOW HIRING)

Chubb

Endorsement Underwriter

Phoenix, AZ · On-site

The Endorsement Underwriter is a critical technical role within our Underwriting Center ... insurance, reinsurance, and life insurance to a diverse group of clients. The company is ...

Symmetry

Life Insurance Agent, Remote

Scottsdale, AZ · Remote

$80K - $190K/yr

Life Insurance Agent, Remote Must be authorized to work in the US, no work visas offered at this ... Full-time underwriters write about 6 or more applications per week. * Part-Time agents make ...

Symmetry

Life Insurance Agent, Remote

Scottsdale, AZ · On-site +1

$80K - $190K/yr

Life Insurance Agent, Remote Must be authorized to work in the US, no work visas offered at this ... Full-time underwriters write about 6 or more applications per week. * Part-Time agents make ...

Symmetry

Life Insurance Agent, Remote

Scottsdale, AZ · Remote

$80K - $190K/yr

Life Insurance Agent, Remote Must be authorized to work in the US, no work visas offered at this ... Full-time underwriters write about 6 or more applications per week. * Part-Time agents make ...

Symmetry

Life Insurance Agent, Remote

Scottsdale, AZ · On-site +1

$80K - $190K/yr

Life Insurance Agent, Remote Must be authorized to work in the US, no work visas offered at this ... Full-time underwriters write about 6 or more applications per week. * Part-Time agents make ...

The Jernigan Agency

LIFE INSURANCE AGENT / WORK FROM HOME

AZ · On-site +1

$300 - $500/wk

We are looking for individuals interested in working from home, remotely, as life insurance sales ... See the application through the underwriting process and get our clients covered. Requirements for ...

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Life Insurance Underwriter information

See Arizona salary details

$58.2K

$76.5K

$96.9K

How much do life insurance underwriter jobs pay per year?

As of Aug 24, 2026, the average yearly pay for life insurance underwriter in Arizona is $76,507.00, according to ZipRecruiter salary data. Most workers in this role earn between $69,000.00 and $79,200.00 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 popular job titles related to Life Insurance Underwriter jobs in Arizona?

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

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

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

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

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

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

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

Life Insurance Underwriter jobs near you
Infographic showing various Life Insurance Underwriter job openings in Arizona as of August 2026, with employment types broken down into 1% As Needed, 75% Full Time, 19% Part Time, and 5% Contract. Highlights an 84% Physical, 2% Hybrid, and 14% Remote job distribution, with an average salary of $76,507 per year, or $36.8 per hour.

Endorsement Underwriter

Phoenix, AZ • On-site

Chubb
Insurance Services • 10K+ employees

8.2

Company rating: 8.2 out of 10

Based on 67 frontline employees who took The Breakroom Quiz

144th of 311 rated insurance

People enjoy working here

Good employer

Recommended by parents

Learn more about Chubbexternal

Full-time

Re-posted 11 days ago

Job description

Job Summary:

The Endorsement Underwriter is a critical technical role within our Underwriting Center, responsible for the underwriting analysis, pricing, and negotiation of commercial policy changes and service requirements. This role manages a complex portfolio of business, serving as a key liaison between field underwriters and agency partners. You will exercise independent judgment to ensure that all endorsements align with our corporate risk appetite while maintaining high-touch service standards for our brokerage plant.

Key Responsibilities:

  • Evaluate and underwrite complex endorsement requests by analyzing loss history, exposure changes, and policy forms to ensure continued account profitability.
  • Utilize underwriting principles to price mid-term changes. Proactively negotiate terms, conditions, and pricing with agents to address concerns and overcome objections.
  • Act as the primary point of contact for assigned brokers and field offices. Manage the end-to-end service lifecycle of the portfolio, ensuring high retention and account integrity.
  • Partner closely with Local/Field Underwriters to communicate the impact of endorsements on renewals and long-term account strategies.
  • Maintain rigorous documentation of the underwriting thought process and decision-making rationale. Ensure all actions adhere to jurisdictional regulations and internal corporate audit standards.
  • Meet or exceed al Service Level Agreements (SLA) for assigned portfolio of business. 
Chubb is a world leader in insurance. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance, and life insurance to a diverse group of clients. The company is distinguished by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength, underwriting excellence, superior claims handling expertise and local operations globally.

At Chubb, we are committed to equal employment opportunity and compliance with all laws and regulations pertaining to it. Our policy is to provide employment, training, compensation, promotion, and other conditions or opportunities of employment, without regard to race, color, religious creed, sex, gender, gender identity, gender expression, sexual orientation, marital status, national origin, ancestry, mental and physical disability, medical condition, genetic information, military and veteran status, age, and pregnancy or any other characteristic protected by law. Performance and qualifications are the only basis upon which we hire, assign, promote, compensate, develop and retain employees. Chubb prohibits all unlawful discrimination, harassment and retaliation against any individual who reports discrimination or harassment.

Qualifications & Key Competencies

  • 3-5 years of experience in commercial insurance underwriting, financial services, or a high-volume analytical risk environment.
  • Strong foundational knowledge of P&C underwriting principles, policy language, and risk assessment methodologies.
  • Demonstrated ability to convey complex financial or risk-based concepts clearly and persuasively to both internal stakeholders and external agents.
  • Superior critical thinking skills 
  • Proven track record of handling difficult conversations, negotiations, managing agency expectations, and resolving objections through collaborative problem-solving.
  • Proficiency in modern underwriting platforms, CRM tools, and the Microsoft Office Suite (Excel, Word, Outlook).
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About Chubb

Sourced by ZipRecruiter

Chubb is the world's largest publicly traded property and casualty insurer. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. We are a unique global organization with a culture of individuals passionately committed to our respective crafts. With underwriting at our core, each of us contributes to providing the best insurance coverage and service to our clients. Our highly collaborative, inclusive nature helps us drive better business outcomes through diversity of background, experiences, insights and values.

Industry

Insurance services

Company size

10,000+ Employees

Headquarters location

Warren, NJ, US

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