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Life Underwriter Jobs in Michigan (NOW HIRING)

Jackson National Life

Underwriter

Lansing, MI · On-site

Identifies and orchestrates updates to the Life Underwriting Guide. * Performs other duties and/or projects as assigned. Knowledge, Skills and Abilities * Strong verbal and written communication ...

Jackson National Life

Sr. Underwriter

Lansing, MI

$99K - $118K/yr

Identifies and orchestrates updates to the Life Underwriting Guide. * Performs other duties and/or projects as assigned. Knowledge, Skills and Abilities * Strong verbal and written communication ...

SET SEG

Underwriter

East Lansing, MI · On-site

Underwriter Reports To: Associate Director of Underwriting & Risk Control Location: East Lansing, MI Department: Property Casualty/Workers' Compensation SET SEG is looking for an Underwriter to ...

SET SEG

Underwriter

East Lansing, MI · On-site

Underwriter Reports To: Associate Director of Underwriting & Risk Control Location: East Lansing, MI Department: Property Casualty/Workers' Compensation SET SEG is looking for an Underwriter to ...

SET SEG

Underwriter

East Lansing, MI · On-site

Underwriter Reports To: Associate Director of Underwriting & Risk Control Location: East Lansing, MI Department: Property Casualty/Workers' Compensation SET SEG is looking for an Underwriter to ...

The Hartford

Captives Underwriter

Troy, MI · Hybrid

$124K - $199K/yr

Senior Executive Underwriter - UW07CCExecutive Underwriter - UW07CD We're determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies.

Chubb

Executive Underwriter, Property

Grand Rapids, MI · On-site

The Underwriter would be accountable for new business production and execution of underwriting ... and life insurance to a diverse group of clients. The company is distinguished by its extensive ...

The Hartford

Captives Underwriter

Grand Rapids, MI · Hybrid

$124K - $199K/yr

Senior Executive Underwriter - UW07CCExecutive Underwriter - UW07CD We're determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies.

The Hartford

Captives Underwriter

Grand Rapids, MI · Hybrid

$124K - $199K/yr

Senior Executive Underwriter - UW07CCExecutive Underwriter - UW07CD We're determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies.

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Life Underwriter information

See Michigan salary details

$54.5K

$71.6K

$90.6K

How much do life underwriter jobs pay per year?

As of Aug 28, 2026, the average yearly pay for life 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 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?

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 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 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 are the most commonly searched types of Life Underwriter jobs in Michigan?

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

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

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

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

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

What cities in Michigan are hiring for Life Underwriter jobs?

Cities in Michigan with the most Life Underwriter job openings:

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

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

Life Underwriter jobs near you
Infographic showing various Life Underwriter job openings in Michigan as of August 2026, with employment types broken down into 1% As Needed, 73% Full Time, 22% Part Time, and 4% Contract. Highlights an 89% Physical, 3% Hybrid, and 8% Remote job distribution, with an average salary of $71,557 per year, or $34.4 per hour.

Underwriter

Jackson National Life

Lansing, MI • On-site

Full-time

Posted 10 days ago

Job description

If you are an internal associate, please login to Workday and apply through Jobs Hub.

Job PurposeThe Underwriter determines appropriate risk classification for policies based on collection of data, detailed research, and sound judgment using company underwriting criteria and philosophy. The Underwriter reviews cases and determines necessary medical, non-medical, and compliance requirements. This individual provides information about the underwriting process to producers and customers.Essential Responsibilities
  • Reviews insurance reinstatement/reissue applications and documentation to evaluate the eligibility of each applicant in accordance with company guidelines and standards. Determines necessary medical, non-medical, regulatory, and compliance requirements. Escalates applications to Compliance when further review is required.
  • Determines the appropriate risk classification based on detailed research, collection and analysis of data, and sound judgment using the underwriting criteria and philosophy. Makes sound risk selections to protect the company and satisfy customer expectations.
  • Assesses the need for additional information or for referral to a Sr Underwriter for opinion or recommendation.
  • Advises financial professional and customer(s) about the rationale for underwriting decisions, including adverse ones.
  • Assists the financial professional when there is a request or need for information relating to any aspect of the underwriting process.
  • Supports customers, financial professionals, and internal associates with complex underwriting service issues.
  • Has approval authority up to $250,000 standard risk through $2.5 million all rates, with review limits up to $5 million.
Other Duties
  • Performs project and committee work as assigned.
  • Performs basic clerical duties required to support the underwriting process.
  • Interprets normal electrocardiograms (ECG/EKG).
  • Identifies and orchestrates updates to the Life Underwriting Guide.
  • Performs other duties and/or projects as assigned.
Knowledge, Skills and Abilities
  • Strong verbal and written communication skills with an ability to effectively communicate underwriting decisions.
  • Knowledge of underwriting risk assessment principles, research techniques, and medical terminology and treatments.
  • Ability to exercise good judgment in the application of underwriting techniques.
  • Strong product knowledge.
  • Solid analytical and problem-solving skills.
  • Strong organization and prioritization skills.
  • Ability to work well under pressure.
  • Strong customer service skills.
  • Proficient in Microsoft Office applications and other relevant department software.
  • Ability to work independently and as part of a team.
Qualifications
  • Bachelor's Degree or equivalent combination of education and/or experience required.
  • 1+ years of life underwriting experience required.
  • Active pursuit or completion of a LOMA designation preferred.

Jackson is proud to be an equal opportunity workplace. The Company subscribes to and endorses federal and state laws and regulations relating to equal employment opportunity for all persons without regard to race, color, religion, gender, age, national origin, legally-recognized disability, marital status, legally-protected medical condition, citizenship, ancestry, height, weight, sexual orientation, veteran status, or any other factor not related to the needs of the job. The Company is committed to a policy of equal opportunity. Company facilities and campuses are tobacco-free environments.

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