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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 ...

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

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 ...

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

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 ...

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

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

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 ...

OdysseyRe

Underwriter, Personal Umbrella

Scottsdale, AZ · On-site

The Personal Lines Underwriter is responsible for reviewing, maintaining and implementing underwriting philosophy, strategy and guidelines for personal lines of business for all states while working ...

Odyssey

Underwriter, Personal Umbrella

Scottsdale, AZ · Hybrid

The Personal Lines Underwriter is responsible for reviewing, maintaining and implementing underwriting philosophy, strategy and guidelines for personal lines of business for all states while working ...

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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 Jul 27, 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.

Is underwriting a high paying career?

Personal underwriters typically earn a moderate to high salary, with compensation increasing with experience, certifications, and the complexity of policies handled. While salaries vary by industry and location, experienced underwriters in financial services can earn competitive wages, especially with advanced skills and professional credentials.

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 medical records, and use underwriting guidelines to make informed decisions, often working with insurance agents and using specialized software.

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.

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

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.

Will AI replace underwriting?

Personal underwriters evaluate risk and make decisions in the insurance industry, and AI is increasingly used to assist with data analysis and risk assessment. While AI can automate routine tasks and improve efficiency, human underwriters are still essential for complex cases, ethical considerations, and final decision-making. The role is evolving to include oversight of AI tools and interpretation of their outputs.
More about Personal Underwriter jobs
What cities are hiring for Personal Underwriter jobs? Cities with the most Personal Underwriter job openings:
What states have the most Personal Underwriter jobs? States with the most job openings for Personal Underwriter jobs include:
What job categories do people searching Personal Underwriter jobs look for? The top searched job categories for Personal Underwriter jobs are:
Personal Underwriter jobs near you
Infographic showing various Personal Underwriter job openings in the United States as of July 2026, with employment types broken down into 100% Full Time. Highlights an 80% In-person, 5% Hybrid, and 15% Remote job distribution, with an average salary of $66,771 per year, or $32.1 per hour.
Underwriter

Underwriter

Ken Garff Automotive Group

West Valley City, UT • On-site

$25 - $28/hr

Full-time

Posted 3 days ago

Ken Garff Automotive Group rating

5.7

Company rating: 5.7 out of 10

Based on 28 frontline employees who took The Breakroom Quiz

121st of 150 rated car dealerships

Job description

Underwriter
Focus: Put underwriting skills to use, hone the craft, build in depth knowledge of Originations
Have in depth knowledge in:
  • Everything learned in Junior Underwriter foundation
    • Originations Policies and SOPs, How to utilize and find documentation
  • Lending Compliance Laws and Regulations (ie., ECOA, FCRA, TILA Reg.Z, etc.)
  • TransUnion and Experian credit bureaus information
  • In depth knowledge of policies and SOPs (past memorization, knows a policy & the policies surrounding a policy)

What is expected of you to do:
  • Comply with lending laws/regulations (ie., ECOA, FCRA, TILA Reg.Z, etc.)
  • Adhere to all company, department, and Origination's Lending policies
  • Escalate Policy and SOP questions using Escalation Process to ensure alignment
  • Continue alignment with Department Goals, KPIs, Policies and SOPs
  • Underwrite and decision Credit Applications efficiently and accurately
  • Work as many applications as possible per day to progress towards personal role advancement
  • Make detailed decision notes (link to SOP) on every application and save them in Norman
  • Expected to come prepared and participate actively in all meetings and/or forums
  • Review submitted income on owned applications
  • Take phone calls on owned applications
  • Monitor personal Underwriting KPIs (Key Performance Indicators)
  • Builds and delivers their personal weekly key performance indicators recaps for management

What is expected of you to do only w/ supervision by Senior Underwriter or Management:
  • Income reviews on owned applications w/ Senior or Management supervision/review
  • Funding escalations on owned applications w/ Senior or Management supervision/review
  • Decision escalations on owned applications w/ Senior or Management supervision/review

Role Advancement Requirements:
  • Pass all required Policy Exams
    • "Passing" score is outlined in the Policy Exams Program (LINK)
  • Pass most recent Training Compliance Audits for the last X applications reviewed
    • "Passing" score & number of applications is outlined in the Training and Compliance Program (LINK)
  • Passed most recent Training Decision Audits for the last X applications reviewed
    • "Passing" score & number of applications is outlined in the Policy audits & decision audits Program (LINK)
  • Passed most recent Lending Policy Audits for the last X applications reviewed
    • "Passing" score & number of applications is outlined in the Policy audits & decision audits Program (LINK)
  • Meet or exceed Key Performance Indicator metrics for Underwriter for X Months

Pay Range:
$25.00/hour - $28.00/hour

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