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Medical Underwriting Jobs (NOW HIRING)

Elevance Health

Group Underwriter, Senior

Atlanta, GA · Hybrid

$94K - $112K/yr

Level Funded medical underwriting experience highly preferred. * Small group experience preferred. Job Level: Non-Management Exempt Workshift: Job Family: UND > Group Underwriting Please be advised ...

Hamilton

Underwriter, Allied Medical

Richmond, VA · On-site +1

Establish and maintain underwriting standards and discipline to ensure the delivery of profitable ... Medical, dental, vision, life, disability * Generous time off (including parental leave)

Hamilton

Underwriter, Allied Medical

Richmond, VA · On-site +1

Establish and maintain underwriting standards and discipline to ensure the delivery of profitable ... Medical, dental, vision, life, disability * Generous time off (including parental leave)

Elevance Health

Group Underwriter, Senior

Mason, OH · Hybrid

$92K - $109K/yr

Level Funded medical underwriting experience highly preferred. * Small group experience preferred. Job Level: Non-Management Exempt Workshift: Job Family: UND > Group Underwriting Please be advised ...

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How much do medical underwriting jobs pay per hour?

As of Jun 14, 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.

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.

How do you become a medical underwriter?

To become a medical underwriter, candidates typically need a bachelor's degree in health sciences, insurance, or a related field. Relevant skills include knowledge of medical terminology, risk assessment, and proficiency with underwriting software; obtaining industry certifications like the Chartered Life Underwriter (CLU) can also enhance prospects.

What do underwriters do in healthcare?

Medical underwriters in healthcare assess insurance applications by reviewing medical histories, health data, and risk factors to determine coverage eligibility and premium rates. They analyze medical records, use underwriting guidelines, and often work with healthcare providers to evaluate risk accurately, ensuring the insurer's financial stability.

Is medical underwriting still a thing?

Medical underwriting remains a key process in life insurance and health insurance industries, where it assesses an applicant's health risks to determine coverage eligibility and premiums. While some policies now use simplified or no-medical-exam approaches, traditional medical underwriting is still widely used for comprehensive policies and high-risk cases.

How much do medical underwriters make in the US?

Medical underwriters in the US typically earn a median annual salary of around $70,000 to $85,000, with experienced professionals and those in senior roles earning over $100,000. Salaries can vary based on location, experience, certifications, and the employer's size and industry sector.
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:
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What job categories do people searching Medical Underwriting jobs look for? The top searched job categories for Medical Underwriting jobs are:
Medical Underwriting jobs near you
Infographic showing various Medical Underwriting job openings in the United States as of June 2026, with employment types broken down into 7% As Needed, 3% Full Time, 60% Part Time, and 30% Contract. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $84,666 per year, or $40.7 per hour.
Lead Underwriting Consultant

Lead Underwriting Consultant

Penn Mutual Life Insurance Company

Remote

$125K - $165K/yr

Full-time

Posted 23 hours ago

Job description

Job Description:
Underwrites and oversees the selection of risk of large complex life applications. Manages underwriting services to contribute to the achievement of financial objectives including profitability, production and persistency of clients; developing underwriting processes, standards and programs, and reporting results.
We've embraced a flexible, hybrid approach to work. Based on your role and personal preference, we empower you to choose where you work best. This model allows you to balance your life and bring your whole self to work.
Responsibilities
  • Analyzes qualitative and quantitative data and provides approval for risk selection and acceptance, coverage, and pricing. Analyzes quality and quantity of risks underwritten and prepares reports accordingly.

  • Evaluate life insurance applications, including those with chronic illness riders, with a focus on both medical and financial risk assessment.

  • Assists others with resolving complex issues while ensuring adherence to underwriting standards and objectives.

  • Participates in business planning to support product, program and policy developmental efforts. Participates in department initiatives; assists in recommending/ implementing changes to improve productivity, profitability, growth and quality.

  • Selects and classifies risks according to company philosophy and standards.

  • May assist with training and developing underwriters.

  • Manages retention.

  • Maintains profitable mortality experience.

  • Analyzes and interprets medical, non-medical and financial information.

  • Make decisions within approval limits at 100% up to $15,000,000 standard to age 90.

  • Determines appropriate requirements.

  • Reviews and provides signatures on referrals from underwriters.

  • Identifies and provides solutions to work related problems and issues.

  • Communicates and collaborates with the field and home office to provide the highest quality service levels to customers.

  • Maintains positive and effective relationships with internal and external partners.

  • Participates in major projects.

  • Complies with all company and site policies and procedures.

  • Remains current in profession and industry trends.

  • Successfully completes regulatory and job training requirements.

  • Performs other duties as assigned.

Skills and Abilities
  • Highly developed knowledge of underwriting function

  • General awareness of current affairs, industry issues and trends, both corporate and external.

  • Solid knowledge of insurance contract law and state legislative requirements.

  • Strong knowledge of insurance products (plans, riders, benefits) and illustrations and how they are marketed.

  • Familiarity with chronic illness underwriting or long-term care rider principles, including strong knowledge of morbidity

  • Strong knowledge of reinsurance marketplace to work proactively with the field where reinsurance is an opportunity.

  • Thorough understanding of automatic reinsurance agreements.

  • Highly developed knowledge of medical science, technology and terminology and their impact on mortality.

  • Highly developed knowledge of financial and other non-medical underwriting factors.

  • Thorough knowledge of financial and non-financial underwriting factors.

  • Thorough knowledge of product pricing.

  • Strong organizational, communication and interpersonal skills.

  • Strong analytical skills, ability to define, research and resolve problems.

  • Excellent knowledge of mainframe and PC environment.

  • Ability to create and maintain customer relationships.

  • Ability to prioritize and work effectively under deadlines balancing published service times with an appropriate customer focus.

  • Ability to comprehend, retain and apply current technical information to daily work issues.

  • Ability to make a positive contribution as demonstrated by learning new skills and making suggestions for process/procedure improvement.

  • Ability to work with others in a collaborative team environment.

Education
  • College degree required, equivalent work experience in life Underwriting may be considered Required and

  • FLMI, FALU and ACS designations or current coursework toward earning certificates Required

Experience
  • 7-10 Years underwriting experience Required

Base Salary Range - $125,000 - $165,000
#hp
For over 175 years, Penn Mutual has empowered individuals, families and businesses on the journey to achieve their financial goals. Through our partnership with Financial Professionals across the U.S., we help instill the confidence and reliability that comes from a stronger financial future. Penn Mutual and its affiliates offer a comprehensive suite of competitive products and services to meet the unique needs of Financial Professionals and their clients, including life insurance, annuities, wealth management and institutional asset management. To learn more, including current financial strength ratings, visit www.pennmutual.com.
Penn Mutual is committed to Equal Employment Opportunity (EEO). We provide employment and advancement opportunities to all qualified applicants and associates, according to applicable laws. This is reflected in our practices for hiring, placement, promotion, transfer, demotion, layoff, termination, recruitment, compensation, selection or training, and all other terms and conditions of employment. All employment-related decisions and practices are free from unlawful discrimination. This includes: race, creed, color, national origin, ancestry, citizenship age, gender (including pregnancy), sexual orientation, gender identity or expression, domestic partnership or civil union status, marital status, genetic information, disability, religious observance or practice, liability, veteran status or any other classification protected under applicable law.

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