Nurse Underwriter information
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$32.5K - $42.2K
5% of jobs
$60.6K is the 25th percentile. Wages below this are outliers.
$52K - $61.7K
12% of jobs
$61.7K - $71.4K
20% of jobs
The median wage is $74.5K / yr.
$71.4K - $81.1K
12% of jobs
$87.7K is the 75th percentile. Wages above this are outliers.
$81.1K - $90.9K
25% of jobs
$90.9K - $100.6K
7% of jobs
$100.6K - $110.3K
3% of jobs
$110.3K - $120K
2% of jobs
$120K - $129.8K
2% of jobs
$129.8K - $139.5K
2% of jobs
How much do nurse underwriter jobs pay per year?
As of Aug 21, 2026, the average yearly pay for nurse underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.
Nurse underwriters are registered nurses who use their clinical knowledge to evaluate medical information in insurance applications, particularly for life, health, or disability policies. They assess applicants’ health records, medical histories, and test results to determine risks and help insurance companies decide whether to approve or deny coverage. Their expertise helps ensure decisions are medically sound and aligned with company guidelines. Nurse underwriters often work closely with physicians, other underwriters, and insurance agents. This role combines nursing expertise with analytical and decision-making skills in the insurance industry.
To thrive as a Nurse Underwriter, you need a solid nursing background, strong analytical abilities, and a thorough understanding of medical terminology, typically supported by an RN license and clinical experience. Familiarity with underwriting software, electronic health records, and risk assessment tools is essential in evaluating insurance applications. Excellent communication, attention to detail, and decision-making skills help you interpret complex medical information and collaborate with both medical and insurance professionals. These skills are crucial for accurately assessing risk, ensuring compliance, and supporting sound business decisions in the insurance industry.
Nurse Underwriters often encounter the challenge of integrating their clinical expertise with strict insurance underwriting criteria. While their medical background helps in evaluating complex health histories, they must also adhere to standardized risk assessment protocols and company policies. This balancing act requires strong analytical skills and continuous learning to keep up with evolving medical advances and insurance regulations. Effective communication with both medical professionals and insurance colleagues is essential to ensure accurate and fair underwriting decisions.
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