1

Life Underwriter Jobs in Virginia (NOW HIRING)

Partner - Underwriting

Aldie, VA · On-site

$165 - $235/hr

... Life Underwriter (CLU) - American CollegeAmerican CollegeRequired SkillsADM - Workflow, Client Relations, Commercial Credit Underwriting, Credit Underwriting, People Leadership, Project Management ...

Underwriter

Richmond, VA · On-site

$75K - $95K/yr

New Horizon Bank is looking for an Underwriter III to play a critical role in evaluating and approving loan applications and ensuring compliance with bank policies and regulatory requirements. Your ...

Work-Life Balance - Generous paid time off including 22 days of PTO and 10 paid company holidays ... in underwriting. Join Kinsale Insurance and grow in a company that rewards initiative ...

Renewal Underwriter

Richmond, VA · On-site

$65K - $80K/yr

... life/disability insurance, FSA, HSA and 401(k) accounts, paid-time-off benefits, and eligible ... Department Underwriting Required Experience: 2-5 years of relevant experience Required Travel: No ...

Renewal Underwriter

Richmond, VA · On-site

$65K - $80K/yr

... life/disability insurance, FSA, HSA and 401(k) accounts, paid-time-off benefits, and eligible ... Department Underwriting Required Experience: 2-5 years of relevant experience Required Travel: No ...

Associate Underwriter

Richmond, VA · On-site

$65K - $80K/yr

Work-Life Balance - Generous paid time off including 22 days of PTO and 10 paid company holidays ... in underwriting. Join Kinsale Insurance and grow in a company that rewards initiative ...

Captives Underwriter

Alexandria, VA · 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.

Captives Underwriter

Alexandria, VA · 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.

LIO Specialty, Underwriter

Richmond, VA · On-site

$64K - $107K/yr

Summary/Objective: The Underwriter will assist with the development of profitable Casualty ... LIO LIFE - What we value: * The Customer Lens - Prioritizing our relationships, service, and needs ...

Underwriter

Forest, VA · Hybrid

$49K - $73K/yr

Acquire a working knowledge of supporting sections of the underwriting department. * Effectively ... and child life insurance; supplemental sick pay; long term disability; health care flexible ...

next page

Showing results 1-20

Life Underwriter information

See Virginia salary details

$62K

$81.4K

$103.1K

How much do life underwriter jobs pay per year?

As of Sep 6, 2026, the average yearly pay for life underwriter in Virginia is $81,395.00, according to ZipRecruiter salary data. Most workers in this role earn between $73,400.00 and $84,300.00 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 Virginia?

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

What cities in Virginia are hiring for Life Underwriter jobs?

Cities in Virginia with the most Life Underwriter job openings:

Infographic showing various Life Underwriter job openings in Virginia as of August 2026, with employment types broken down into 97% Full Time, and 3% Part Time. Highlights an 90% In-person, 3% Hybrid, and 7% Remote job distribution, with an average salary of $81,395 per year, or $39.1 per hour.

Underwriter, Life Sciences

Hamilton Insurance Group, Ltd.

Richmond, VA • On-site

$80 - $100/hr

Other

Medical, Dental, Vision, Life, Retirement

Posted 5 days ago


Key responsibilities

  • Underwrite challenging and complex new and renewal submissions within underwriting guidelines and make sound risk decisions.

  • Negotiate terms and conditions consistent with coverage-focused underwriting strategies.

  • Develop and nurture relationships with wholesale brokers and support the Life Sciences Underwriting Division's strategy.


Job description

We’re looking for an Underwriter, Life Sciences.

Hamilton Select is seeking an Underwriter for our Life Sciences Underwriting Division. This individual will support the thoughtful growth and expansion of our Life Sciences Division through underwriting discipline, adherence to our underwriting guidelines and appetite, and broker engagement.

This newly created role will focus on Excess & Surplus (E&S) lines placements for General Liability, Products Liability and Professional Liability coverages for small to medium-sized and lower middle market accounts in biotechnology, pharmaceutical, medical device, digital health, nutraceutical, analytical laboratory, and clinical research clients across the U.S.

The location of this U.S.-based role is flexible, with a preference for candidates in the greater NY/NJ or Richmond, VA area. Reporting to the Head of Life Sciences, Hamilton Select.

This role is within Hamilton Select, Hamilton Insurance Group’s US Excess & Surplus (E&S) Lines business. Hamilton Select distributes E&S products exclusively through wholesale brokers. Our underwriters leverage advanced technology and deep expertise to deliver fast, frictionless service to our trading partners with a clear focus on SME and Lower Middle Market risks.

What you will do
  • Underwrite challenging and complex new and renewal submissions within underwriting guidelines and make sound risk decisions that balance our growth and profitability targets.
  • Negotiate terms and conditions consistent with our coverage-focused underwriting strategies.
  • Market our insurance products through various communications channels and occasional business travel.
  • Develop mutually beneficial partnerships and nurture relationships with our appointed wholesale brokers.
  • Monitor key metrics and ratios with an eye on efficiency and profitability.
  • Participate in special projects and corporate initiatives.
  • Support the Life Sciences Underwriting Division Manager with the underwriting strategy, aligned with Hamilton Select’s performance goals and underwriting philosophy.
  • Collaborate with internal colleagues.
What we’re looking for in the role
  • Underwriting experience with a strong track record in Life Sciences product lines preferred.
  • Demonstrated success in generating new business, exercising sound judgment, and growing a portfolio from a small base.
  • Strong existing broker relationships and the ability to attract, develop, and sustain new partnerships.
  • Balanced understanding of both subjective and objective elements of underwriting risk, with the confidence to justify decisions at senior levels.
  • High integrity in all internal and external interactions.
  • CPCU designation or other industry coursework preferred, but not required.
  • Motivated, self‑starter with an entrepreneurial and growth‑oriented mindset.
  • Strong verbal and written communication skills with confident, timely decision‑making.
  • Able to work independently with strong organizational and forward‑planning skills.
  • Highly analytical with strong attention to detail and problem‑solving capability.
What you can expect from us

At Hamilton, we offer a vibrant, entrepreneurial and collaborative workplace shaped by our values: Be Smart, Be Sensible, Be Open and Be More.

Our employees consistently say they would recommend Hamilton as a great place to work — a testament to the inclusive, supportive, and empowering culture we’ve built together. We embrace individuality, value diverse perspectives, and recognise the unique contribution each person makes to our continued success.

Hamilton offers a competitive salary with an annual performance-based target bonus and a comprehensive benefits package, to include:

  • Hybrid working
  • Matching 401K plan
  • Medical, dental, vision, life, disability
  • Generous time off (including parental leave)
  • Continued support for professional development
  • Gym subsidy
  • My day (additional days leave for personal interests/wellness/charity work)
In good company.

Hamilton (NYSE: HG) underwrites specialty insurance and reinsurance risks on a global basis through its wholly owned subsidiaries. Its three underwriting platforms: Hamilton Global Specialty, Hamilton Select and Hamilton Re, each with dedicated and experienced leadership, provide access to diversified and profitable business around the world.

Headquartered in Bermuda, Hamilton has over 600 employees with key underwriting operations in London, Bermuda, the US and Dublin. We work collaboratively, we share a passion for the service and results we deliver, and we know that what we do each day is meaningful – to our customers and our business. We believe we are ‘In good company.’ with everyone we interact with.

#J-18808-Ljbffr