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Medical Underwriting Jobs (NOW HIRING)

Medical underwriting and terminology * Mortality risk assessment * Reinsurance practices * Experience leading: * Process improvement and operational transformation * Automation and accelerated ...

Director Underwriting

Mountlake Terrace, WA · On-site

$157.90 - $315.90/hr

Eight years of group medical underwriting, or health insurance consulting experience, including 5 years of experience managing teams. * Master's degree in a related field (preferred). * CEBS ...

Director Underwriting

Manhattan, NY · On-site

$157.90 - $315.90/hr

Eight years of group medical underwriting, or health insurance consulting experience, including 5 years of experience managing teams. * Master's degree in a related field (preferred). * CEBS ...

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Medical Underwriting information

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How much do medical underwriting jobs pay per hour?

As of Aug 12, 2026, the average hourly pay for medical underwriting in the United States is $40.70, according to ZipRecruiter salary data. Most workers in this role earn between $38.70 and $42.55 per hour, depending on experience, location, and employer.

What is the difference between Medical Underwriting vs Medical Claims Adjuster?

AspectMedical UnderwritingMedical Claims Adjuster
Required CredentialsLicenses, certifications in insurance and health assessmentsLicenses, insurance adjuster certifications
Work EnvironmentOffice-based, analyzing health data and applicationsOffice or field, investigating claims and assessing damages
Industry UsageInsurance companies, health plansInsurance companies, third-party administrators
Primary FocusAssessing risk and determining policy eligibilityEvaluating claims for coverage and settlement

Medical Underwriting and Medical Claims Adjuster both work within the insurance industry but focus on different stages. Medical Underwriters evaluate applicants' health data to determine policy eligibility, while Medical Claims Adjusters review and settle claims after coverage is in place. Understanding these roles helps clarify career paths and employer expectations in health insurance.

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

To thrive as a Medical Underwriter, you need a solid understanding of medical terminology, risk assessment, and insurance principles, usually supported by a degree in a healthcare or related field. Familiarity with underwriting software, databases, and sometimes certifications like LOMA or ALU are typically required. Strong analytical thinking, attention to detail, and effective communication skills help you make sound decisions and explain complex findings. These abilities ensure accurate risk evaluation, regulatory compliance, and clear collaboration with clients and colleagues.

How to become a medical underwriter?

To become a medical underwriter, candidates typically need a bachelor's degree in health sciences, insurance, or related fields. Relevant skills include understanding medical terminology, risk assessment, and proficiency with underwriting software; obtaining industry certifications like the Chartered Life Underwriter (CLU) or Fellow of the Society of Actuaries (FSA) can enhance prospects. Entry-level roles often require some experience in insurance or healthcare environments.

What are some common challenges faced by medical underwriters, and how can they be addressed?

Medical underwriters often encounter challenges such as interpreting complex medical histories, staying updated with evolving healthcare regulations, and balancing risk assessment with customer service. To address these, underwriters typically undergo continuous training, collaborate closely with medical professionals and other underwriting team members, and make use of advanced software tools to support decision-making. Developing strong analytical skills and clear communication is essential for efficiently navigating these challenges and ensuring accurate risk evaluation.

What is medical underwriting?

Medical underwriting is the process insurance companies use to evaluate an applicant's health information to determine eligibility and pricing for health or life insurance policies. It involves reviewing medical history, current health status, and sometimes requiring medical exams or reports. The goal is to assess the risk associated with insuring an individual, which can affect whether coverage is offered and at what premium rate. This process helps insurers set fair prices and manage risk within their insurance pool.

What does a medical underwriting do?

A medical underwriter evaluates applicants' health information to determine insurance risk and coverage eligibility. They review medical records, health questionnaires, and lab results, often using specialized software, to assess the likelihood of future claims and set appropriate policy terms.
More about Medical Underwriting jobs
What cities are hiring for Medical Underwriting jobs? Cities with the most Medical Underwriting job openings:
What are the most commonly searched types of Medical Underwriting jobs? The most popular types of Medical Underwriting jobs are:
What states have the most Medical Underwriting jobs? States with the most job openings for Medical Underwriting jobs include:
Infographic showing various Medical Underwriting job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 78% Full Time, 15% Part Time, and 6% Contract. Highlights an 91% Physical, 1% Hybrid, and 8% Remote job distribution, with an average salary of $84,666 per year, or $40.7 per hour.

Manager, Group Medical Underwriting

Lincoln Financial

Charlotte, NC • On-site, Remote

$72K - $131K/yr

Full-time

Medical, Retirement, PTO

Posted 9 days ago


Lincoln Financial rating

7.4

Company rating: 7.4 out of 10

Based on 73 frontline employees who took The Breakroom Quiz

226th of 304 rated insurance


Job description

Alternate Locations: Work from Home

 Work Arrangement:

Remote : Work at home employee residing outside of a commutable distance to an office location.

Relocation assistance:  is not available for this opportunity.

Requisition #: 76396

The Role at a Glance

As a Manager in Group Medical Underwriting, you will manage a team of medical underwriting professionals. You will oversee the adherence to policies and procedures, setting priorities, communicating key goals, tracking performance, and training team members to ensure success.    

What you'll be doing
  • Supervise the day-to-day team operations for the medical underwriting team. 
  • Manage the evaluation of individual employee medical underwriting requirements and risk selection on members of group accounts including new applicants, late plan entrants and benefit change requests during enrollment periods. 
  • Evaluate risks and determine approval or rejection on complex cases and second signoffs.  
  • Maintain knowledge on current and emerging medical underwriting practices and present on new trends/information to team.
  • Responsible for administering medical underwriting rules and guidelines, application quality audits, and insurance laws and regulations. 
  • Provide training and development opportunities, including stretch assignments, for team members and give honest and open feedback to aid in the development of talent.
  • Manage and enhance organizational initiatives by positively influencing and supporting change management and/or departmental/enterprise initiatives.
  • Responsible for hiring, training and development of staff.  
  • Ensure that top talent is hired and retained.
  • Build organizational capability.
  • Serve as a resource to team members and internal/external stakeholders.
  • Forge strong professional relationships with key partners (internal and external), with strong emphasis on collaboration with distribution and project management partners.
  • Ensure Quality Assurance and Training recommendations are incorporated into employee development and performance measurement
  • Carry out duties in compliance with all state and federal regulations and guidelines.  Complies with all company and site policies and procedures.
  • Remain current in professional and industry trends.
  • Make a positive contribution as demonstrated by:  Making suggestions for improvement, Learning new skills, procedures, and processes
  • Perform other duties as required.
What we're looking for

Must-haves:

  • Medical Underwriting expertise
  • 4 Year/Bachelor's degree or equivalent work experience (4 years of experience in lieu of Bachelor's)  
  • 5+ Years of risk management experience with substantial background in medical underwriting group coverages including 2+ years of managerial, supervisory, and/or demonstrated leadership experience  

Nice-to-haves:  

  • FALU (Fellow Academy of Life Underwriting)
  • FLMI (Fellow Life Management Institute) 
  • Group/employer insurance experience 
Application Deadline

Applications for this position will be accepted through 10/04/26 subject to earlier closure due to applicant volume.

What's it like to work here?

At Lincoln Financial, we love what we do. We make meaningful contributions each and every day to empower our customers to take charge of their lives. Working alongside dedicated and talented colleagues, we build fulfilling careers and stronger communities through a company that values our unique perspectives, insights and contributions and invests in programs that empower each of us to take charge of our own future. 

What's in it for you:

  • Clearly defined career tracks and job levels, along with associated behaviors for each of Lincoln's core values and leadership attributes

  • Leadership development and virtual training opportunities

  • PTO/parental leave

  • Competitive 401K and employee benefits

  • Free financial counseling, health coaching and employee assistance program

  • Tuition assistance program

  • Work arrangements that work for you

  • Effective productivity/technology tools and training

The pay range for this position is $72,900 - $131,600 with anticipated pay for new hires between the minimum and midpoint of the range and could vary above and below the listed range as permitted by applicable law. Pay is based on non-discriminatory factors including but not limited to work experience, education, location, licensure requirements, proficiency and qualifications required for the role. The base pay is just one component of Lincoln's total rewards package for employees.  In addition, the role may be eligible for the Annual Incentive Program, which is discretionary and based on the performance of the company, business unit and individual.  Other rewards may include long-term incentives, sales incentives and Lincoln's standard benefits package.

About The Company

Lincoln Financial (NYSE: LNC) helps people to confidently plan for their version of a successful future. We focus on identifying a clear path to financial security, with products including annuities, life insurance, group protection, and retirement plan services. 

With our 120-year track record of expertise and integrity, millions of customers trust our solutions and service to help put their goals in reach. 

Lincoln Financial Distributors, a broker-dealer, is the wholesale distribution organization of Lincoln Financial. Lincoln Financial is the marketing name for Lincoln Financial Corporation and its affiliates including The Lincoln National Life Insurance Company, Fort Wayne, IN, and Lincoln Life & Annuity Company of New York, Syracuse, NY. Lincoln Financial affiliates, their distributors, and their respective employees, representatives and/or insurance agents do not provide tax, accounting or legal advice. 

Lincoln is committed to creating an inclusive environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. 

Follow us on Facebook, X, LinkedIn, Instagram, and YouTube. For the latest company news, visit our newsroom. 

Be Aware of Fraudulent Recruiting Activities

If you are interested in a career at Lincoln, we encourage you to review our current openings and apply on our website. Lincoln values the privacy and security of every applicant and urges all applicants to diligently protect their sensitive personal information from scams targeting job seekers. These scams can take many forms including fake employment applications, bogus interviews and falsified offer letters.

Lincoln will not ask applicants to provide their social security numbers, date of birth, bank account information or other sensitive information in job applications. Additionally, our recruiters do not communicate with applicants through free e-mail accounts (Gmail, Yahoo, Hotmail) or conduct interviews utilizing video chat rooms. We will never ask applicants to provide payment during the hiring process or extend an offer without conducting a phone, live video or in-person interview.  Please contact Lincoln's fraud team at fraudhotline@lfg.com if you encounter a recruiter or see a job opportunity that seems suspicious.

Additional Information

This position may be subject to Lincoln's Political Contribution Policy.  An offer of employment may be contingent upon disclosing to Lincoln the details of certain political contributions. Lincoln may decline to extend an offer or terminate employment for this role if it determines political contributions made could have an adverse impact on Lincoln's current or future business interests, misrepresentations were made, or for failure to fully disclose applicable political contributions and or fundraising activities.

Any unsolicited resumes or candidate profiles submitted through our web site or to personal e-mail accounts of employees of Lincoln Financial are considered property of Lincoln Financial and are not subject to payment of agency fees.

Lincoln Financial ("Lincoln" or "the Company") is an Equal Opportunity employer and, as such, is committed in policy and practice to recruit, hire, compensate, train and promote, in all job classifications, without regard to race, color, religion, sex, age, national origin or disability. Opportunities throughout Lincoln are available to employees and applicants are evaluated on the basis of job qualifications. If you are a person with a disability that impedes your ability to express your interest for a position through our online application process, or require TTY/TDD assistance, contact us by calling (866) 922-6543.

This Employer Participates in E-Verify. See the E-Verify notices.

Este Empleador Participa en E-Verify. Ver el E-Verify avisos. 


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About Lincoln Financial

Sourced by ZipRecruiter

Lincoln Financial Group, a Fortune 200 company with over 10,000 employees, provides advice and solutions that help empower Americans to take charge of their financial lives with confidence. Our core business areas - Life Insurance, Annuities, Retirement Plan Services and Group Protection - focus on supporting, preserving and enhancing over 17 million customer's lifestyles and retirement outcomes. Headquartered in Radnor, Pennsylvania, Lincoln Financial Group is the marketing name for Lincoln National Corporation (NYSE: LNC) and its affiliates. The company had $324 billion in end-of-period account values as of June 30, 2021. Ranked one of the Best Large Employers in America and Best Employers for Women by Forbes magazine as well as one of Newsweek's Most Responsible Companies, Lincoln Financial Group makes a serious investment in our employees' futures through a broad range of wealth accumulation and protection plans, health and wellness programs, and career development resources designed to help each individual reach their personal and professional goals.

Industry

Finance and insurance

Company size

5,001 - 10,000 Employees

Headquarters location

Radnor, PA, US

Year founded

1905