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Personal Underwriter Jobs (NOW HIRING)

AIG

Underwriter, Political Violence

New York, NY

$68K - $91K/yr

Comply with the terms of personal underwriting authority. * Assist the team in ensuring that Underwriting Guidelines are reviewed and updated at least annually. * Ensure underwriters with authority ...

Berkley

Underwriter

Appleton, WI · On-site

Responsible for renewal accounts which focus on underwriting and pricing risks in accordance with BMP's business rules and personal underwriting authority. * Ownership of the lifecycle of the ...

Lonestar

Personal Auto Underwriter

Lees Summit, MO · On-site

Personal Auto Underwriter Join a Team That Invests in Your Success At Lonestar Managing General Agency (MGA), our people are at the heart of everything we do. We are committed to building a workplace ...

Berkley

Underwriter

Appleton, WI

Responsible for renewal accounts which focus on underwriting and pricing risks in accordance with BMP's business rules and personal underwriting authority. * Ownership of the lifecycle of the ...

Berkley

Underwriter

Appleton, WI · On-site

Responsible for renewal accounts which focus on underwriting and pricing risks in accordance with BMP's business rules and personal underwriting authority. * Ownership of the lifecycle of the ...

Lonestar

Personal Auto Underwriter

Richardson, TX · On-site

Personal Auto Underwriter Join a Team That Invests in Your Success At Lonestar Managing General Agency (MGA), our people are at the heart of everything we do. We are committed to building a workplace ...

Lonestar

Personal Auto Underwriter

Richardson, TX · On-site

In this role, you will support the underwriting process by reviewing and processing personal auto policies, ensuring compliance with state regulations, and providing outstanding service to agents and ...

Berkley

Underwriter

West Hartford, CT

Responsible for renewal accounts which focus on underwriting and pricing risks in accordance with BMP's business rules and personal underwriting authority. * Ownership of the lifecycle of the ...

AGC Consulting

Personal Lines Underwriter

San Juan, PR · On-site

Position Summary We are seeking a detail-oriented and experienced Personal Lines Underwriter to join our underwriting team. This role is responsible for evaluating, pricing, and binding personal ...

Lonestar

Personal Auto Underwriter

Richardson, TX

In this role, you will support the underwriting process by reviewing and processing personal auto policies, ensuring compliance with state regulations, and providing outstanding service to agents and ...

Lonestar

Personal Auto Underwriter

Lees Summit, MO · On-site

In this role, you will support the underwriting process by reviewing and processing personal auto policies, ensuring compliance with state regulations, and providing outstanding service to agents and ...

Lonestar

Personal Auto Underwriter

Lees Summit, MO

In this role, you will support the underwriting process by reviewing and processing personal auto policies, ensuring compliance with state regulations, and providing outstanding service to agents and ...

Berkley

Underwriter

Hartford, CT · On-site

Responsible for renewal accounts which focus on underwriting and pricing risks in accordance with BMP's business rules and personal underwriting authority. * Ownership of the lifecycle of the ...

Berkley

Underwriter

West Hartford, CT · On-site

Responsible for renewal accounts which focus on underwriting and pricing risks in accordance with BMP's business rules and personal underwriting authority. * Ownership of the lifecycle of the ...

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Personal Underwriter information

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$33.5K

$66.8K

$152K

How much do personal underwriter jobs pay per year?

As of Aug 17, 2026, the average yearly pay for personal underwriter in the United States is $66,771.00, according to ZipRecruiter salary data. Most workers in this role earn between $48,500.00 and $67,500.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a personal underwriter?

To thrive as a Personal Underwriter, you need strong analytical abilities, attention to detail, and a solid understanding of insurance principles, typically supported by a degree in finance, business, or a related field. Familiarity with underwriting software, risk assessment tools, and industry certifications such as CPCU or AU is often expected. Exceptional communication, negotiation, and decision-making skills help you collaborate effectively and explain complex terms to clients. These skills ensure accurate risk evaluation, compliance with regulations, and successful client relationships in a competitive insurance environment.

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

Personal Underwriters often encounter challenges such as balancing risk assessment with customer needs and keeping up with ever-changing insurance regulations. Staying current with industry guidelines and leveraging advanced underwriting software can help streamline the decision-making process. Additionally, collaborating closely with agents and other underwriters fosters a more comprehensive evaluation of applications, leading to better risk management and customer satisfaction.

What is the difference between Personal Underwriter vs Mortgage Underwriter?

AspectPersonal UnderwriterMortgage Underwriter
CredentialsTypically requires insurance or financial certifications, sometimes a bachelor's degreeRequires mortgage or real estate certifications, often a bachelor's degree in finance or related field
Work EnvironmentInsurance companies, financial institutions, or banksMortgage lenders, banks, or credit unions
Employer & IndustryInsurance and financial servicesReal estate, banking, mortgage lending
Common Search & ComparisonOften compared for risk assessment and loan approval processesFocuses on property and borrower financials for mortgage approval

Both Personal Underwriters and Mortgage Underwriters assess risk and review financial documents, but they operate in different sectors. Personal Underwriters focus on insurance and personal financial products, while Mortgage Underwriters specialize in evaluating mortgage loan applications. Understanding these differences helps job seekers target the right industry and role.

Do personal underwriters make a lot of money?

Personal underwriters typically earn a median annual salary that varies by experience and location, with entry-level positions starting around $50,000 and experienced underwriters earning over $80,000. Salaries can increase with industry certifications and advanced skills in risk assessment and underwriting software.

Is it hard to get a job in personal underwriting?

Getting a job as a personal underwriter can be competitive and typically requires relevant education, such as a degree in finance or insurance, along with experience in risk assessment and underwriting processes. Strong analytical skills, attention to detail, and familiarity with underwriting software can improve chances of employment, but entry-level positions may be accessible with appropriate training or certifications.

What is a personal underwriter?

A personal underwriter evaluates individual insurance applications, assessing risk factors such as health, financial history, and lifestyle to determine coverage eligibility and premium rates. They analyze applicant information, review documentation, and use underwriting guidelines to make informed decisions, often working with insurance agents and using specialized software.
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Cities with the most Personal Underwriter job openings:

What states have the most Personal Underwriter jobs?

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What job categories do people searching Personal Underwriter jobs look for?

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Personal Underwriter jobs near you
Infographic showing various Personal Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 72% Full Time, 21% Part Time, 1% Temporary, 4% Contract, and 1% Nights. Highlights an 94% Physical, 2% Hybrid, and 4% Remote job distribution, with an average salary of $66,771 per year, or $32.1 per hour.

Underwriter, Political Violence

American International Group, Inc.

New York, NY • On-site

$68K - $91K/yr

Full-time

Re-posted 20 days ago

AIG rating

8.4

Company rating: 8.4 out of 10

Based on 22 frontline employees who took The Breakroom Quiz

118th of 309 rated insurance

Job description

Join us as a Underwriter to make a bigger business impact with your skills and wider talents.
At AIG, we are reimagining the way we help customers to manage risk. Join us as a Class Underwriter o play your part in that transformation. It's an opportunity to grow your skills and experience as a valued member of the team.
Make your mark in Talbot
Talbot operates within the Lloyd's Insurance Market through Syndicate 1183 and Syndicate 2019. With an expert team of highly skilled and experienced underwriters and a balanced, geographically diverse portfolio of business, Talbot has earned a reputation as an industry leading insurance specialist.
Talbot writes a diversified portfolio including Crisis Management, Energy, Financial Lines, Marine, Political Risk, Property and Terrorism. Drawing on our deep industry expertise, Talbot develops tailored insurance solutions that address clients' evolving and often unique needs.
Syndicate 2019 provides Lloyd's investors with access to AIG's Private Client Select (PCS) portfolio.
Part of AIG since 2018, Talbot is committed to working with brokers and clients to deliver industry leading solutions. It is headquartered in London with offices in New York and Singapore.
How you will create an impact
  • Underwrite risks in accordance with Talbot's underwriting philosophy and within own authority limits.
  • Assist the delivering strategy and business plans.
  • Assist the team to ensure all underwriters underwrite risks in accordance with the Company's agreed appetite, authorities and processes.
  • Assist in managing the overall portfolio.
  • Provide professional, prompt service to brokers and clients.
  • Comply with the terms of personal underwriting authority.
  • Assist the team in ensuring that Underwriting Guidelines are reviewed and updated at least annually.
  • Ensure underwriters with authority underwrite in accordance with personal underwriting authority.
  • Ensure that business is conducted, processed and administered in accordance with the prevailing applicable policies, procedures and agreed service levels.
  • Ensure that premium entries in Subscribe are reviewed and accurately maintained in accordance with applicable procedures.
  • Act in accordance with all regulatory standards and principles at all times
  • Provide information and assistance as needed to ensure that other syndicate staff can carry out their responsibilities.
  • Make every reasonable effort to increase own knowledge, skills and expertise.

What you'll need to succeed
  • Experience of Lloyd's market as an Underwriter is preferred.
  • Detailed knowledge of products.
  • Chartered Insurance Institute - Advanced Diploma or educated to degree level preferred.
  • Able to operate independently with little direction or guidance. Self-reliance, use of initiative - a "self-starter".
  • Able to prioritise.
  • Strong team working approach.
  • Verbal, written and professional presence and ability to communicate at all levels with excellent negotiation skills
  • Strong interpersonal skills, including strong documentation skills, excellent communication skills and the ability to summarise
  • Ability to understand problems and issues quickly
  • Positive "can do" approach
  • Calm, rational and methodical approach.

For positions based in NYC,NY, the base salary range is $68,000-$91,000 and the position is eligible for a bonus in accordance with the terms of the applicable incentive plan. A summary of benefits can be viewed here: US Benefits Overview
#LI-AIG
At AIG, we value in-person collaboration as a vital part of our culture, which is why we ask our team members to be primarily in the office. This approach helps us work together effectively and create a supportive, connected environment for our team and clients alike.
Enjoy benefits that take care of what matters
At AIG, our people are our greatest asset. We know how important it is to protect and invest in what's most important to you. That is why we created our Total Rewards Program, a comprehensive benefits package that extends beyond time spent at work to offer benefits focused on your health, wellbeing and financial security-as well as your professional development-to bring peace of mind to you and your family.
Reimagining insurance to make a bigger difference to the world
American International Group, Inc. (AIG) is a global leader in commercial and personal insurance solutions; we are one of the world's most far-reaching property casualty networks. It is an exciting time to join us - across our operations, we are thinking in new and innovative ways to deliver ever-better solutions to our customers. At AIG, you can go further to support individuals, businesses, and communities, helping them to manage risk, respond to times of uncertainty and discover new potential. We invest in our largest asset, our people, through continuous learning and development, in a culture that celebrates everyone for who they are and what they want to become.
Welcome to a culture of inclusion
We're committed to creating a culture that truly respects and celebrates each other's talents, backgrounds, cultures, opinions and goals. We foster a culture of inclusion and belonging through learning, cultural awareness activities and Employee Resource Groups (ERGs). With global chapters, ERGs are a cornerstone for our culture of inclusion. The talent of our people is one of AIG's greatest assets, and we are honored that our drive for positive change has been recognized by numerous recent awards and accreditations.
AIG provides equal opportunity to all qualified individuals regardless of race, color, religion, age, gender, gender expression, national origin, veteran status, disability or any other legally protected categories.
AIG is committed to working with and providing reasonable accommodations to job applicants and employees with disabilities. If you believe you need a reasonable accommodation, please send an email to candidatecare@aig.com.
Functional Area:
UW - Underwriting
Talbot Specialty Insurance Services Inc.

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About AIG

Sourced by ZipRecruiter

American International Group, Inc. (AIG) is a leading global insurance organization. Building on 100 years of experience, today AIG member companies provide a wide range of property casualty insurance, life insurance, retirement solutions, and other financial services to customers in more than 80 countries and jurisdictions. These diverse offerings include products and services that help businesses and individuals protect their assets, manage risks and provide for retirement security.

Industry

Insurance services

Company size

10,000+ Employees

Headquarters location

New York, NY, US

Year founded

1919

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