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Medical Underwriting Jobs (NOW HIRING)

navymutual

Director of Underwriting

Arlington, VA · On-site

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

Premera Blue Cross

Director Underwriting

Spokane, WA · On-site

Eight years of group medical underwriting, or health insurance consulting experience, including 5 years of experience managing teams. (Required) Additional preferred skills/ experiences include:

JCW Group

Social Services Underwriter

Manhattan, NY · Remote

Qualifications Bachelor's degree in Business or related discipline. 4+ years of experience in medical underwriting or social services-related risk management. Collaborative mindset and ability to ...

Pennmutual

Lead Underwriting Consultant

$125K - $165K/yr

Underwrites and oversees the selection of risk of large complex life applications. Manages ... Analyzes and interprets medical, non-medical and financial information. * Make decisions within ...

JCW Group

Social Services Underwriter

Manhattan, NY · Remote

Qualifications Bachelor's degree in Business or related discipline. 4+ years of experience in medical underwriting or social services-related risk management. Collaborative mindset and ability to ...

Cynet Systems

Clinical Medical Review Nurse

Baltimore, MD · On-site

$36.49 - $41.49/hr

Perform medical underwriting and risk assessment by reviewing applications and medical records of potential members. Required Qualifications Minimum 3 years of acute clinical experience. Experience ...

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How much do medical underwriting jobs pay per hour?

As of Sep 3, 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 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 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 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.

How much do medical underwriters make?

Medical underwriters typically earn a median annual salary of around $70,000 to $90,000, with experienced professionals and those in senior roles earning over $100,000. Salaries vary based on experience, location, and the employer, and the role often requires knowledge of medical terminology and underwriting software.

How to 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 strong analytical abilities, knowledge of medical terminology, and familiarity with underwriting software; professional certifications such as the Chartered Life Underwriter (CLU) or Certified Professional in Healthcare Risk Management (CPHRM) can enhance prospects.
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Medical Underwriting jobs near you
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 92% Physical, 1% Hybrid, and 7% Remote job distribution, with an average salary of $84,666 per year, or $40.7 per hour.

Director of Underwriting

Navy Mutual Aid Association

Arlington, VA • On-site

$165K - $185K/yr

Full-time

Re-posted 10 days ago

Job description

At Navy Mutual, our mission is rooted in serving members of the uniformed services and their families with financial strength, integrity, and care. We are seeking a Director of Underwriting to lead and modernize our Underwriting and New Business functions-driving both operational excellence and a best-in-class member experience.
This is a high-impact leadership role responsible for translating strategy into scalable, efficient operations while ensuring disciplined risk management, strong compliance, and sustained growth.
What You'll Do
Strategic Leadership & Execution
  • Develop and execute underwriting and new business strategies aligned to organizational goals, risk appetite, and service standards
  • Translate enterprise strategy into disciplined, scalable, and measurable operating practices
  • Lead transformation initiatives to modernize underwriting and new business processes

Operational Excellence
  • Oversee end-to-end new business lifecycle: intake, underwriting, requirements, offers, reconsiderations, and policy activation
  • Optimize workflows, case assignment, and throughput to improve cycle times, productivity, and consistency
  • Establish and monitor service level agreements (SLAs) and performance standards

Underwriting Leadership & Risk Management
  • Provide technical underwriting guidance on complex life insurance risks
  • Ensure decisions are well-documented, compliant, and aligned with mortality expectations and reinsurance requirements
  • Review and approve complex cases within authority and escalate as needed

Transformation & Innovation
  • Lead adoption of automation, accelerated underwriting, and third-party data solutions
  • Evaluate and implement digital tools and workflow enhancements to improve speed and accuracy
  • Advance real-time decisioning capabilities and member experience improvements

Performance & Analytics
  • Develop and monitor KPIs and KRIs, including:
    • Cycle time and throughput
    • Quality and post-issue audit results
    • Requirement aging and placement rates
    • Productivity and vendor performance
  • Identify trends, risks, and improvement opportunities; drive corrective action

People Leadership
  • Lead, coach, and develop underwriting and new business teams, including managers and senior technical staff
  • Drive performance management, workforce planning, succession planning, and talent development
  • Foster a culture of accountability, continuous improvement, and high performance

Cross-Functional Partnership
  • Collaborate with Sales, Inforce, Claims, Finance, Legal, Compliance, and Technology
  • Partner with reinsurance carriers on complex cases and program optimization
  • Ensure alignment across teams to deliver a seamless, member-first experience

Governance & Compliance
  • Maintain underwriting guidelines, SOPs, audit readiness, and regulatory compliance
  • Support escalations, member complaints, and risk-related reviews (e.g., rescissions, contestable claims)
  • Manage vendor relationships (e.g., medical exams, labs, data providers)

What You Bring
Required Qualifications
  • Bachelor's degree in a related field
  • 8+ years of life insurance underwriting experience, including complex case review
  • Proven leadership experience managing teams and/or senior technical professionals
  • Deep understanding of:
    • Medical underwriting and terminology
    • Mortality risk assessment
    • Reinsurance practices
  • Experience leading:
    • Process improvement and operational transformation
    • Automation and accelerated underwriting initiatives
    • KPI/KRI development and performance analytics
  • Strong working knowledge of underwriting systems, workflow tools, and policy administration platforms
  • Excellent communication, leadership, and stakeholder management skills
  • Ability to operate effectively in a fast-paced, production-driven environment

Preferred Qualifications
  • Professional designations such as CLU, FLMI, ALU, or FALU
  • Experience with vendor management and underwriting data providers
  • Advanced proficiency in Microsoft Excel and reporting tools

Apply