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Life Underwriter Jobs (NOW HIRING)

Mutual of Omaha

Underwriter IV

$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

$98K - $116K/yr

Evaluate life insurance applications and accurately classify mortality risk using medical and ... Communicate underwriting requirements, application updates, reinsurance considerations ...

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 Insurance Co

Senior Associate Underwriter

$100K - $119K/yr

Evaluate life insurance applications and accurately classify mortality risk using medical and ... Communicate underwriting requirements, application updates, reinsurance considerations ...

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 ...

Chubb

Underwriter, Life Sciences

Alpharetta, GA

Chubb is seeking a highly motivated, results oriented Senior Commercial Lines Life Sciences Underwriter to join our industry leading life sciences practice in the Southeast Region. The primary focus ...

Foresters Financial

Senior Underwriter

Las Vegas, NV · Remote

$71K - $104K/yr

Career Opportunity Role Title Senior Underwriter Purpose of role The Senior Underwriter is responsible for underwriting life insurance application using universally recognized underwriting principles ...

Berkley

Life Sciences Underwriter

Ewing, NJ

$105K/yr

Demonstrate continuous learning, including participation in underwriting training and life sciences industry educationWork collaboratively and effectively with underwriting teammates, operations ...

Berkley

Life Sciences Underwriter

Ewing, NJ · On-site

$105K/yr

Demonstrate continuous learning, including participation in underwriting training and life sciences industry education Work collaboratively and effectively with underwriting teammates, operations ...

Berkley

Life Sciences Underwriter

Ewing, NJ · On-site

$105K/yr

Demonstrate continuous learning, including participation in underwriting training and life sciences industry education Work collaboratively and effectively with underwriting teammates, operations ...

Foresters Financial

Senior Underwriter

$71K - $104K/yr

Career Opportunity Role Title Senior Underwriter Purpose of role The Senior Underwriter is responsible for underwriting life insurance application using universally recognized underwriting principles ...

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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 7, 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
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What are the most commonly searched types of Life Underwriter jobs? The most popular types of Life Underwriter jobs are:
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Life Underwriter jobs near you
Underwriter IV

Underwriter IV

Mutual of Omaha

Remote

$86K - $114K/yr

Full-time

Retirement, PTO

Posted 10 days ago

Mutual Of Omaha rating

8.6

Company rating: 8.6 out of 10

Based on 59 frontline employees who took The Breakroom Quiz

76th of 277 rated insurance

Job description

We’re looking for a highly experienced and knowledgeable Underwriter IV to join our team and take on complex and high-impact individual life insurance cases. This role requires deep technical expertise, sound judgment, and strong partnership with the field.  If you thrive on complexity, and are known for your leadership and decision-making skills, we’d love to talk with you.

WHAT WE CAN OFFER YOU:

  • Estimated Salary: $86,000 - $114,000, plus annual bonus opportunity.
  • 401(k) plan with a 2% company contribution and 6% company match.
  • Work-life balance with vacation, personal time and paid holidays. See our benefits and perks page for details.
  • Applicants for this position must not now, nor at any point in the future, require sponsorship for employment.

WHAT YOU'LL DO:

  • Underwrite highly complex individual life cases with significant mortality and financial impact, including formal applications, and pre-quote requests, within a life approval authority of $5 million+.
  • Offer expert evaluation and guiding decisions beyond the authority of junior underwriters.
  • Review, approve, and provide guidance on underwriting decisions made by other underwriters, ensuring adherence to company guidelines, selection standards, and risk philosophy.
  • Partner closely with agents, brokers, and field leadership, communicating underwriting decisions clearly and professionally while building strong, trusted relationships.
  • Support continuous improvement efforts by mentoring underwriters, monitoring workflow quality and volume, contributing to underwriting guidelines, and staying current on products, regulations, and industry trends.

WHAT YOU’LL BRING:

  • Extensive individual life underwriting experience, including impaired risks and large case underwriting, with demonstrated success operating at full authority levels.
  • 5+ years of life underwriting experience, with the confidence and judgment to make and defend complex underwriting decisions using sound medical, financial, and actuarial reasoning.
  • Experience working under pressure while maintaining attention to detail, sound judgment, and compliance with company and industry standards.
  • Strong technical foundation, including completion of LOMA 280/281, 290, 311, 386, and ALU 101 & 201 (or equivalent depth of knowledge).
  • Excellent decision-making, analytical, and communication skills, with the ability to clearly explain underwriting outcomes to both internal partners and the field.
  • High level of independence and accountability, paired with strong organizational skills, attention to detail, and the ability to perform under deadline pressure.
  • You promote a culture of diversity and inclusion, value different ideas and opinions, and listen courageously, remaining curious in all that you do.
  • Able to work remotely with access to a high-speed internet connection and located in the United States or Puerto Rico.

PREFERRED:

  • Bachelor’s degree or equivalent experience; FLMI, FALU, CLU designation completed or in progress.
  • Experience with Accelerated Underwriting programs and/or Long-Term Care underwriting.
  • Prior involvement in field training, underwriting policy development, or special underwriting initiatives.

We value diverse experience, skills, and passion for innovation. If your experience aligns with the listed requirements, please apply! 

If you have questions about your application or the hiring process, email our Talent Acquisition area at careers@mutualofomaha.com. Please allow at least one week from time of applying if you are checking on the status.

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