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Life Underwriter Jobs (NOW HIRING)

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 ...

TEKsystems

Life Insurance Underwriter

Richardson, TX · Remote

$31.25 - $38.46/hr

Experienced underwriter * 3-5 years working in life underwriting assessment * Remote in certain states #westpriority26 Experience Level Intermediate Level Job Type & Location This is a Contract to ...

TEKsystems

Life Insurance Underwriter

Richardson, TX · Remote

$31.25 - $38.46/hr

Experienced underwriter * 3-5 years working in life underwriting assessment * Remote in certain states #westpriority26 Experience Level Intermediate Level Job Type & Location This is a Contract to ...

Symetra

Sr. Underwriter - Life Underwriting - Remote

$87K - $146K/yr

... Life Underwriter . About the role At Symetra, we believe in empowering people to make a meaningful impact-and that includes our underwriters. As a Senior Underwriter , you'll bring your expertise ...

Robert Half

Life Insurance Underwriter

New Haven, CT · On-site

$85K - $95K/yr

We're seeking a detail-oriented Underwriter to join our growing team and help assess and manage individual life insurance risk. We need help guiding by our mission, we've donated $1.7B+ over the past ...

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 · 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 ...

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 ...

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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 Jun 12, 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 policies by assessing applicants' health, financial status, and risk factors. They analyze medical records, financial documents, and use underwriting guidelines to determine policy eligibility and premium rates, often working with specialized software and adhering to industry regulations.

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 jobs pay 2000 a day?

Life underwriters typically do not earn $2000 a day; such high daily earnings are more common in specialized roles like top-tier investment bankers, senior corporate lawyers, or successful entrepreneurs. These positions often require extensive experience, advanced skills, and significant responsibility. Most underwriting roles offer salaries or commissions that are below this level on a daily basis.

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.

What jobs pay $10,000 a month without a degree?

Life underwriters typically do not earn $10,000 a month without specialized experience or certifications, as their salaries usually depend on commissions and experience. High-paying roles in sales, real estate, or entrepreneurship can reach this level without a degree, but they often require strong skills, networking, and proven performance. Most jobs paying this amount without a degree involve commission-based income or self-employment in fields like sales, consulting, or business ownership.

What jobs pay $500,000 a year in the US?

Life underwriters typically do not earn $500,000 annually, but high-level executive roles such as chief executives, investment bankers, and specialized surgeons can reach or exceed this income level. These positions often require extensive experience, advanced skills, and sometimes certification or licensing, and they usually involve high responsibility and long hours.
More about Life Underwriter jobs
What cities are hiring for Life Underwriter jobs? Cities with the most Life Underwriter job openings:
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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 June 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $82,099 per year, or $39.5 per hour.
Life - Underwriter

Life - Underwriter

The Cincinnati Insurance Companies

Fairfield, OH • On-site

$50K - $82K/yr

Full-time

Posted 21 days ago

Cincinnati Insurance Company rating

8.8

Company rating: 8.8 out of 10

Based on 21 frontline employees who took The Breakroom Quiz

53rd of 261 rated insurance

Job description

Make a difference with a career in insurance
At The Cincinnati Insurance Companies, we put people first and apply the Golden Rule to our daily operations. To put this into action, we're looking for extraordinary people to join our talented team. Our service-oriented, ethical, knowledgeable, caring associates are the heart of our vision to be the best company serving independent agents. We help protect families and businesses as they work to prevent or recover from a loss. Share your talents to help us reach for continued success as we bring value to the communities we serve and demonstrate that Actions Speak Louder in Person®.
If you're ready to build productive relationships, collaborate within a diverse team, embrace challenges, and develop your skills, then Cincinnati may be the place for you. We offer career opportunities where you can contribute and grow.
Build your future with us
The Cincinnati Life Insurance Company is currently seeking a life underwriter.This role is responsible for reviewing and appraising applications for life insurance adhering to company standards.
The pay range for this position is $50,000 - $82,000 annually. The pay determination is based on the applicant's education, experience, location, knowledge, skills, and abilities. Eligible associates may also receive an annual cash bonus and stock incentives based on company and individual performance.
Be ready to:
  • review and appraise applications for life insurance adhering to company standards
  • develop favorable working relationships with agents and associates
  • ensure a quality product and service to the agent, with a sense of urgency
  • communicate and resolve differences with agents, field representatives and other departments
  • keep management and field representatives informed of pertinent agency information
  • use reference materials and manuals to assist in underwriting
  • educate our agents on underwriting and products
  • participate in minimal travel

Be equipped with:
  • good verbal and written communication skills
  • strong organizational and reasoning skills with the ability to multi-task
  • ability to adapt to change and work independently
  • promote teamwork with internal and external associates
  • general knowledge of medical and financial terms and impairments

Bring education or experience from:
  • a bachelor's degree or equivalent experience (required)
  • demonstrated interest in continuing education and professional certifications (e.g., FLMI, FALU, CLU)
  • completion of life underwriting training class (preferred)

Enhance your talents
Providing outstanding service and developing strong relationships with our independent agents are hallmarks of our company. Whether you have experience from another carrier or you're new to the insurance industry, we promote a lifelong learning approach. Cincinnati provides you with the tools and training to be successful and to become a trusted, respected insurance professional - all while enjoying a meaningful career.
Enjoy benefits and amenities
Your commitment to providing strong service, sharing best practices and creating solutions that impact lives is appreciated. To increase the well-being and satisfaction of our associates, we offer a variety of benefits and amenities.
Embrace a diverse team
As a relationship-based organization, we welcome and value a diverse workforce. We grant equal employment opportunity to all qualified persons without regard to race; creed; color; sex, including sexual orientation, gender identity and transgender status; religion; national origin; age; disability; military service; veteran status; pregnancy; AIDS/HIV or genetic information; or any other basis prohibited by law. All job applicants have rights under Federal Employment Laws. Please review this information to learn more about those rights.

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