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Life Underwriter Jobs (NOW HIRING)

Beacon Technologies

Life Underwriter

Madison, WI · Remote

$30 - $32/hr

Senior Life Insurance Underwriter Auditor / Re-Underwriter Position Summary: We are seeking an experienced Life Insurance Underwriter Auditor / Re-Underwriter to conduct quality assurance reviews and ...

FBL Financial Group

Sr. Life Underwriter

West Des Moines, IA · On-site

$96K - $114K/yr

Senior Life Underwriter Do you have a medical background and/or previous experience underwriting life insurance? Are you a problem solver with great analytical thinking skills, as well as strong ...

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 ...

Transamerica

Sr Life Underwriter

$100K - $119K/yr

That is why we are seeking experienced individual life underwriters to join our growing team where you will have the ability to work with a strong team that encourages growth, supports your ambitions ...

Tokio Marine HCC

Underwriter

Kennesaw, GA · On-site

Preferred work towards Certified Employee Benefits Specialist (CEBS), Fellow of the Life Management Institute (FLMI), or Chartered Life Underwriter (CLU) certification(s) * Ability to read and ...

Tokio Marine HCC

Underwriter

Kennesaw, GA · On-site

Preferred work towards Certified Employee Benefits Specialist (CEBS), Fellow of the Life Management Institute (FLMI), or Chartered Life Underwriter (CLU) certification(s) * Ability to read and ...

Tmhcc

Underwriter

Kennesaw, GA

Preferred work towards Certified Employee Benefits Specialist (CEBS), Fellow of the Life Management Institute (FLMI), or Chartered Life Underwriter (CLU) certification(s) * Ability to read and ...

Tmhcc

Underwriter

Kennesaw, GA

Preferred work towards Certified Employee Benefits Specialist (CEBS), Fellow of the Life Management Institute (FLMI), or Chartered Life Underwriter (CLU) certification(s) * Ability to read and ...

Mutual of Omaha

Underwriter IV

Omaha, NE · Remote

$86K - $114K/yr

Work-life balance with vacation, personal time and paid holidays. See our benefits and perks page ... Underwrite highly complex individual life cases with significant mortality and financial impact ...

Mutual of Omaha

Underwriter IV

Stafford, TX · On-site +1

$86K - $114K/yr

Work-life balance with vacation, personal time and paid holidays. See our benefits and perks page ... Underwrite highly complex individual life cases with significant mortality and financial impact ...

New York Life

Senior Associate Underwriter

$73K - $124K/yr

Evaluate life insurance applications and accurately classify mortality risk using medical and ... Apply underwriting guidelines, medical knowledge, and professional judgment to assess complex risk ...

New York Life

Senior Associate Underwriter

$90K - $128K/yr

Evaluate life insurance applications and accurately classify mortality risk using medical and ... Apply underwriting guidelines, medical knowledge, and professional judgment to assess complex risk ...

Understory, Inc.

Underwriter

Madison, WI · Remote

Have a minimum of 3 years of property, casualty, or life underwriting experience, with a track record of managing large accounts (experience with multiple lines is a plus) * Have demonstrated ability ...

Understory

Underwriter

Madison, WI · On-site +1

Have a minimum of 3 years of property, casualty, or life underwriting experience, with a track record of managing large accounts (experience with multiple lines is a plus) * Have demonstrated ability ...

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All JobsLife Underwriter Jobs

Life Underwriter information

See salary details

$62.5K

$82.1K

$104K

How much do life underwriter jobs pay per year?

As of Jul 27, 2026, the average yearly pay for life 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 are common challenges faced by Life Underwriters when assessing complex insurance applications?

Life Underwriters often encounter challenges when evaluating applications with incomplete information, unusual medical histories, or unique financial situations. They must carefully interpret medical records, assess risk factors, and sometimes request additional documentation to make informed decisions. Working closely with agents, medical professionals, and sometimes directly with applicants, underwriters must balance risk management with customer service. Staying current with industry guidelines and leveraging underwriting software are key to navigating these complexities effectively.

What does a Life Underwriter do?

A Life Underwriter evaluates applications for life insurance to determine the risks involved in insuring a person. They analyze medical histories, lifestyle factors, financial information, and other personal details to decide whether to approve or deny coverage and what premium rates to offer. Their goal is to ensure that insurance companies accept appropriate levels of risk and remain financially sound. Life Underwriters use specialized guidelines and sometimes work with medical professionals to make informed decisions.

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

To thrive as a Life Underwriter, you need a solid understanding of risk assessment, insurance principles, and medical terminology, often supported by a bachelor’s degree and industry certifications such as FLMI or ALU. Familiarity with automated underwriting systems, actuarial software, and data analysis tools is typically required. Analytical thinking, attention to detail, and effective communication are crucial soft skills for evaluating applications and collaborating with agents. These skills ensure accurate risk evaluation, regulatory compliance, and sound decision-making that support the company's financial stability.

What is the difference between Life Underwriter vs Insurance Underwriter?

AspectLife UnderwriterInsurance Underwriter
CredentialsTypically requires insurance licensing, certifications like FLMI or FALUSimilar credentials, often including insurance licenses and certifications
Work EnvironmentPrimarily office-based, assessing individual life insurance applicationsOffice-based, evaluating various insurance policies including life, health, or property
Industry UsageCommonly used in life insurance companies and agenciesUsed across multiple insurance sectors, including life, health, and property
Comparison Search IntentHigh overlap in job functions and industry terminologyOften compared due to similar roles in insurance underwriting

Life Underwriters and Insurance Underwriters share many credentials, work environments, and industry usage. While Life Underwriters focus specifically on life insurance policies, Insurance Underwriters may evaluate a broader range of insurance products. Both roles require similar skills and certifications, making them closely related in the insurance industry.

More about Life Underwriter jobs
What cities are hiring for Life Underwriter jobs? Cities with the most Life Underwriter job openings:
What are the most commonly searched types of Life Underwriter jobs? The most popular types of Life Underwriter jobs are:
Who are the top companies hiring for Life Underwriter jobs? The top employers for Life Underwriter jobs are:
What states have the most Life Underwriter jobs? States with the most job openings for Life Underwriter jobs include:
What job categories do people searching Life Underwriter jobs look for? The top searched job categories for Life Underwriter jobs are:
What are popular job titles related to Life Underwriter jobs? For Life Underwriter jobs, the most frequently searched job titles are:
Life Underwriter jobs near you
Infographic showing various Life Underwriter job openings in the United States as of July 2026, with employment types broken down into 1% As Needed, 78% Full Time, 16% Part Time, and 5% Contract. Highlights an 94% Physical, 2% Hybrid, and 4% Remote job distribution, with an average salary of $82,099 per year, or $39.5 per hour.
Life Underwriter

Life Underwriter

Beacon Technologies

Madison, WI • Remote

$30 - $32/hr

Contractor

Posted 17 days ago

Job description

Senior Life Insurance Underwriter Auditor / Re-Underwriter
Position Summary:
We are seeking an experienced Life Insurance Underwriter Auditor / Re-Underwriter to conduct quality assurance reviews and re-underwriting audits across a portfolio of individual life insurance policies. This role is responsible for evaluating underwriting decisions, assessing adherence to underwriting guidelines and risk philosophy, identifying trends and opportunities for improvement, and supporting strategic initiatives across targeted segments of business.
The ideal candidate is a highly skilled life insurance underwriter with strong analytical abilities, exceptional attention to detail, and a deep understanding of mortality risk assessment. This position offers the flexibility of remote work and a collaborative environment focused on underwriting excellence and continuous improvement.
Key Responsibilities:
  • Conduct comprehensive audits and re-underwriting reviews of individual life insurance policies.
  • Evaluate underwriting decisions for consistency, accuracy, quality, and adherence to company guidelines, risk philosophy, and regulatory requirements.
  • Assess medical, financial, occupational, and avocational risk factors to determine appropriateness of underwriting outcomes.
  • Identify underwriting trends, inconsistencies, and opportunities for process improvement.
  • Document audit findings clearly and provide actionable recommendations to underwriting leadership.
  • Support quality assurance initiatives and special projects involving specific segments of the book of business.
  • Partner with underwriting management to develop and implement corrective actions when needed.
  • Analyze underwriting data and results to measure performance and identify emerging risks.
  • Maintain current knowledge of underwriting guidelines, mortality assessment tools, and industry best practices.
  • Quickly learn and apply new underwriting systems, workflows, philosophies, and procedures.
  • Participate in calibration exercises to promote consistent underwriting practices.

Required Qualifications:
  • 5+ years of direct individual life insurance underwriting experience with a life insurance carrier.
  • Demonstrated history of underwriting performance and quality results.
  • Advanced knowledge of life insurance risk selection and mortality assessment.
  • Strong analytical and critical-thinking skills.
  • Excellent written and verbal communication skills.
  • Proven ability to document underwriting rationale thoroughly and clearly.
  • Strong organizational skills with the ability to manage multiple priorities and deadlines.
  • Ability to work independently in a remote environment while maintaining productivity and quality standards.
  • Proficiency with underwriting systems and technology platforms.

Preferred Qualifications:
  • Experience conducting underwriting audits, quality assurance reviews, or re-underwriting assessments.
  • Familiarity with the Swiss Re Underwriting Manual.
  • Experience using MRAS underwriting rules and Workbench.
  • Knowledge of accelerated underwriting and automated underwriting programs.
  • Experience reviewing large face amount cases and complex underwriting decisions.
  • Prior participation in underwriting governance, quality control, or risk management initiatives.