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Life Insurance Underwriter Jobs in Michigan (NOW HIRING)

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Life Insurance Underwriter information

See Michigan salary details

$54.5K

$71.6K

$90.6K

How much do life insurance underwriter jobs pay per year?

As of Aug 21, 2026, the average yearly pay for life insurance underwriter in Michigan is $71,557.00, according to ZipRecruiter salary data. Most workers in this role earn between $64,500.00 and $74,100.00 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 Michigan?

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

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

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

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

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

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

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

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

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

Life Insurance Underwriter jobs near you
Infographic showing various Life Insurance Underwriter job openings in Michigan as of August 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 $71,557 per year, or $34.4 per hour.

Junior Underwriter

Allied Insurance Managers Inc.

Rochester, MI

$35K/yr

Full-time

Re-posted 20 days ago

Job description

We’re rapidly expanding and looking for an insurance underwriting assistant to help move insurance policy decisions forward. In this position, you’ll collect and enter accurate information for new, existing, and prospective clients that serves as the foundation for decisions made by your insurance underwriter counterparts. As you support their efforts, you will grow and hone your own communications, data entry, and reporting skills, advancing to future opportunities. Apply today to start your new insurance industry career!

Compensation:

$35,000 yearly


Responsibilities:
  • Call, email, and meet with applicants to collect and assess insurance information that will guide the risk assessment process and provides underwriting support
  • Create analytics-based reports that can be used to make coverage determinations and set policy guidelines
  • Maintain accurate, up-to-date records within underwriting software programs by verifying all documents for accuracy and completion in order to provide sound policy recommendations to prospective and existing customers
  • Document and communicate policy approvals or rejections to the underwriting team, insurance agents, supervisors, and clients in a timely manner
  • Serve as the liaison for underwriters and customers in order to track, manage, and prioritize insurance applications and other services

  • Review both new and renewal policies for accuracy
  • Review changes to client policies for accuracy


Qualifications:
  • Chartered Property and Casualty Underwriter (CPCU) designation considered a bonus
  • Must have strong communications and interpersonal skills
  • Keen attention to detail necessary to collect and maintain insurance customer information
  • Must have a bachelor’s degree in mathematics, statistics, business administration, or other related field
  • Working as an administrative assistant or similar, or a role in the insurance industry is a plus

About Company

Allied Insurance Managers, Inc. has provided insurance and risk management solutions to businesses and individuals since 1987. As an independent agency, we represent a broad spectrum of national, regional, and domestic insurance companies. This allows us to find our customers the most comprehensive, cost-effective insurance solutions today and in the future.

We also offer the following benefits:

  • Medical, Dental & Vision Insurance Package
  • Disability and Life Insurance Package
  • Paid Vacation & Holidays
  • 410(k) Profit Sharing Plan
  • Career Advancement Opportunities
  • Higher compensation is negotiable based on experience.

Applicants must complete an assessment to be considered.