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Personal Underwriter Jobs (NOW HIRING)

Safepoint MGA, LLC

Personal Lines Underwriter

Tampa, FL · On-site

$65K - $70K/yr

Safepoint MGA is an admitted Property & Casualty insurance carrier seeking experienced Underwriters to support our Personal Lines Homeowners department. If you have a passion for risk analysis and a ...

Safepoint MGA, LLC

Personal Lines Underwriter

Spring, TX · On-site

$65K - $70K/yr

Safepoint MGA is an admitted Property & Casualty insurance carrier seeking experienced Underwriters to support our Personal Lines Homeowners department. If you have a passion for risk analysis and a ...

Safepoint MGA, LLC

Personal Lines Underwriter

Tampa, FL · On-site

$65K - $70K/yr

Safepoint MGA is an admitted Property & Casualty insurance carrier seeking experienced Underwriters to support our Personal Lines Homeowners department. If you have a passion for risk analysis and a ...

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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.

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.

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.

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.

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 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.
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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.

Personal Lines Underwriter

Auto Owners Insurance Company

Mesa, AZ • Hybrid

Full-time

Retirement, PTO

Re-posted yesterday

Job description

A career at Auto-Owners is challenging and rewarding. Our group of caring associates create financial security by helping individuals and businesses make a new start when a loss occurs.

Job Description

We offer a merit-based work-from-home program based on job responsibilities. After initial training in-person, this specific role could have the flexibility to work from home up to 3 days per week.

Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee to join our team. This job performs and applies insurance coverage, rules and guidelines to execute the underwriting decision-making process according to Company underwriting philosophy. This job includes training and development through completion of the Company's underwriter training program for the assigned line of insurance and requires the person to:

  • Learn various insurance coverages and contracts along with company philosophy and procedures, in order to make underwriting decisions
  • Read, interpret, and react to documents such as policies, manuals, forms, and endorsements to understand their meaning and use
  • Assemble information, develop opinions, and clearly express decisions using sound reasoning and judgment
  • Analyze loss experience, financial conditions and physical characteristics of risks
  • Acquire a working knowledge of supporting sections of the underwriting department
  • Effectively communicate with independent agents and other associates through verbal and/or written means
  • Participate in and successfully complete the Company underwriter training program

Desired Skills & Experience

  • Bachelor's degree or direct equivalent experience with property/casualty underwriting
  • Ability to organize data, multi-task and make decisions independently
  • Above average communication skills (written and verbal)
  • Ability to write reports and compose correspondence
  • Ability to resolve complex issues
  • Continually develop product knowledge through participation in approved educational programs

Benefits

Auto-Owners offers a wide range of career opportunities, and we are seeking talent that will help us continue our long tradition of success. We offer a friendly work environment, structured training program, employee mentoring and an excellent compensation/benefits package. Along with a competitive base salary, matched 401(k), fully-funded pension plan (once vested), and bonus programs, Auto-Owners also provides generous paid time off including holidays, vacation days, personal time, and sick leave. If you're looking to do rewarding work alongside great people, Auto-Owners is the place for you!

Equal Employment Opportunity

Auto-Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law.

*Please note that the ability to work in the U.S. without current or future sponsorship is a requirement.

#LI-CH1 #LI-Hybrid

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