ZipRecruiter

Log In

1

Life Insurance Underwriter Jobs (NOW HIRING)

Milliman

Health Insurance Underwriter

Omaha, NE

Health Insurance Underwriter Description: This position will interact with all members of our staff ... Life Insurance & AD&D - 100% of premiums covered by Milliman. * Short-Term and Long-Term Disability ...

Milliman

Health Insurance Underwriter

Omaha, NE · On-site

Health Insurance Underwriter Description: This position will interact with all members of our staff ... Life Insurance & AD&D - 100% of premiums covered by Milliman. * Short-Term and Long-Term Disability ...

Amwins

Associate Insurance Underwriter

Baton Rouge, LA · On-site

Join our Amwins Access team in Baton Rouge as an Associate Underwriter! This is a full time, in ... Medical, Dental, Vision, Life, etc. * Parental Leave, Adoption Assistance, Travel Reimbursement for ...

Diedre Moire Corp.

Surety Underwriter

Appleton, WI · On-site

$140K - $250K/yr

... life insurance, disability, AD&D, and a matched 401(k) and this is one of the most competitive ... Insurance Underwriter Underwriting Surety Contract Surety Bonds Construction Surety Commercial ...

Tipton Agency

Remote Insurance Broker

Phoenix, AZ · Remote

$60K - $200K/yr

Company Overview The Tipton Agency (TA) stands out as a premier provider of life insurance and ... The Field Underwriter will interact with families seeking coverage, evaluate risk, and identify the ...

Diedre Moire Corp.

Insurance Underwriter Med-Mal

Topeka, KS · On-site

$150K - $200K/yr

... life and disability insurance, professional growth opportunities, relocation assistance, and more! For complete details contact Greg Foss at: (609) 584-9000 ext 270 Or submit resume online at: Or ...

next page

Showing results 1-20

All JobsLife Insurance Underwriter Jobs

Life Insurance Underwriter information

See salary details

$62.5K

$82.1K

$104K

How much do life insurance underwriter jobs pay per year?

As of Jul 21, 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. Their work helps ensure the insurer maintains profitability while providing appropriate coverage.

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 underwriting software.

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 certifications such as the Chartered Property Casualty Underwriter (CPCU), can improve job prospects. Strong analytical skills and knowledge of underwriting software are also important.

How much do you get paid for an insurance underwriter?

Insurance underwriters typically earn a median annual salary of around $70,000, with entry-level positions starting lower and experienced underwriters earning over $100,000. Salaries vary based on experience, location, and the size of the employer, and the role often requires knowledge of underwriting software and industry regulations.
More about Life Insurance Underwriter jobs
What cities are hiring for Life Insurance Underwriter jobs? Cities with the most Life Insurance Underwriter job openings:
What are the most commonly searched types of Life Insurance Underwriter jobs? The most popular types of Life Insurance Underwriter jobs are:
What states have the most Life Insurance Underwriter jobs? States with the most job openings for Life Insurance Underwriter jobs include:
What job categories do people searching Life Insurance Underwriter jobs look for? The top searched job categories for Life Insurance Underwriter jobs are:
What are popular job titles related to Life Insurance Underwriter jobs? For Life Insurance Underwriter jobs, the most frequently searched job titles are:
Life Insurance Underwriter jobs near you
Infographic showing various Life Insurance Underwriter job openings in the United States as of July 2026, with employment types broken down into 1% As Needed, 72% Full Time, 22% Part Time, and 5% Contract. Highlights an 91% Physical, 1% Hybrid, and 8% Remote job distribution, with an average salary of $82,099 per year, or $39.5 per hour.
Group Insurance Underwriter

Group Insurance Underwriter

Marsh & McLennan Companies, Inc.

South Portland, ME • On-site

Full-time

Medical, Dental, Vision, Life

Posted 23 days ago

Job description

Company:
Guy Carpenter
Description:
The Smith Group is the market leader in support for the Group Benefits industry. For decades, The Smith Group has maintained a stellar reputation for thought leadership and top-notch service to clients. The group is small (13 people) with a very tight-knit, collaborative environment. The Smith Group is a wholly owned subsidiary of Guy Carpenter.
We are seeking a Group Insurance Underwriter, with experience at either a direct Group writer or a Reinsurer. In addition to having regular responsibilities of reinsurance underwriting, we would be looking for this individual to support the broader set of consulting services and market intelligence that Smith Group delivers to clients every day. All members of the Smith Group team are proactive problem-solvers, and we'd expect the same from any new teammate. You should seek opportunities to act independently instead of waiting for someone to tell you what to do. We also highly value strong communication skills since all Smith Group employees frequently interact with our clients directly.
While Portland, Maine is the preferred location, we will consider other office locations for the right candidate. This is a hybrid role that has a requirement of working at least three days a week in a Guy Carpenter office.
We will rely on you to:
  • Assist our partners at MunichRe with reinsurance underwriting support
  • Deliver underwriting support to our clients
  • Add to our bench strength to deliver market intelligence to clients - everything from surveys, webinars, white papers and general research
  • Proactively interact with our clients to support our model of being a first-class service operation

What you need to have:
  • 5+ years of experience in Group Insurance underwriting
  • Sound understanding of reinsurance and its place in Group Insurance
  • Robust knowledge of the Group product suite - Disability, PFML, Life, Supplemental Health (Dental and Vision a bonus)
  • Bachelor's Degree

What makes you stand out?
  • Curiosity - find problems and solve them
  • Versatility - in working for a small company, you need to be ready to do a wide variety of things
  • Avid Learner - a person who is always looking to learn more will have the most success

Why join our team:
  • We help you be your best through professional development opportunities, interesting work and supportive leaders.
  • We foster a vibrant and inclusive culture where you can work with talented colleagues to create new solutions and have impact for colleagues, clients and communities.
  • Our scale enables us to provide a range of career opportunities, as well as benefits and rewards to enhance your well-being.

At Guy Carpenter, a Marsh business, you can be your best. We work on challenges that matter with colleagues who help bring out our best. Our uniquely collaborative environment will empower you to focus on your personal and professional success, learning from top specialists in the (re)insurance industry and leading you towards a rewarding and impactful career.
Guy Carpenter is a business of Marsh (NYSE: MRSH), a global leader in risk, reinsurance and capital, people and investments, and management consulting, advising clients in 130 countries. With annual revenue of over $27 billion and more than 95,000 colleagues, Marsh helps build the confidence to thrive through the power of perspective. For more information about Guy Carpenter, visit guycarp.com, or follow us on LinkedIn and X.
Marsh is committed to embracing a diverse, inclusive and flexible work environment. We aim to attract and retain the best people and embrace diversity of age background, disability, ethnic origin, family duties, gender orientation or expression, marital status, nationality, parental status, personal or social status, political affiliation, race, religion and beliefs, sex/gender, sexual orientation or expression, skin color, veteran status (including protected veterans), or any other characteristic protected by applicable law. If you have a need that requires accommodation, please let us know by contacting reasonableaccommodations@mmc.com.
Marsh is committed to hybrid work, which includes the flexibility of working remotely and the collaboration, connections and professional development benefits of working together in the office. All Marsh colleagues are expected to be in their local office or working onsite with clients at least three days per week. Office-based teams will identify at least one "anchor day" per week on which their full team will be together in person.

Apply