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Remote Insurance Rater Jobs in Michigan (NOW HIRING)

Spieldenner Financial Group

Remote Sales

Corunna, MI · On-site +1

We partner with top-rated insurance companies to customize a plan that provides a personalized solution that will protect their largest asset: the ability to make an income. We grow : We are a ...

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Remote Insurance Rater information

What are some common challenges faced by Remote Insurance Raters and how can they be addressed?

Remote Insurance Raters often encounter challenges such as interpreting complex policy language, maintaining accuracy while reviewing high volumes of applications, and staying updated on varying state regulations. To address these, it's important to develop strong attention to detail, utilize digital tools for efficient document management, and participate in regular training sessions. Clear communication with underwriters and other team members is also key to resolving ambiguous cases and ensuring consistency across ratings.

What are the key skills and qualifications needed to thrive as a Remote Insurance Rater, and why are they important?

To thrive as a Remote Insurance Rater, you need strong analytical abilities, attention to detail, and typically a background in insurance or a relevant certification such as the Associate in Personal Insurance (API). Familiarity with rating software, policy management systems, and spreadsheet tools like Excel is usually required. Excellent written communication, time management, and problem-solving skills help remote raters collaborate effectively and process applications efficiently. These skills and qualifications ensure accurate policy rating, minimize errors, and support seamless remote workflow in the insurance industry.

How can I make 2000 a week working from home?

A remote insurance rater can potentially earn $2,000 or more weekly by handling a high volume of insurance applications, improving efficiency, and gaining experience or certifications that increase pay rates. Success depends on workload, accuracy, and the company's pay structure, often involving flexible schedules and remote work tools. Building expertise and consistently meeting productivity targets are key to increasing earnings in this role.

What does a Remote Insurance Rater do?

A Remote Insurance Rater is responsible for evaluating insurance applications and calculating premiums based on risk assessment guidelines, but they perform their work from a remote location rather than an office. They review data such as client history, coverage requests, and relevant financial or personal information to determine the appropriate insurance rate. Their work ensures that premiums are fair and aligned with company policies and regulatory requirements. Remote Insurance Raters typically use specialized software and communicate with agents or clients via phone or email.

How much does an insurance rater make?

An insurance rater typically earns between $40,000 and $70,000 annually, depending on experience, location, and employer. Many roles involve evaluating insurance applications and using specialized software, with some positions offering opportunities for remote work and flexible schedules.

What jobs pay 4000 a week without a degree?

Remote insurance raters can potentially earn around $4,000 per week by evaluating insurance policies and risk factors, often working independently with minimal formal education requirements. Success depends on experience, efficiency, and the ability to use specialized rating software; some roles may also require industry knowledge or certifications. High earnings are typically associated with experienced professionals in niche or high-demand areas within the insurance industry.

What is the best insurance company to work for remotely?

For remote insurance rater positions, companies like State Farm, Progressive, and Liberty Mutual are known for offering remote work opportunities with flexible schedules and supportive environments. These companies often provide training, require strong analytical skills, and may offer certifications relevant to insurance rating. Job seekers should review company reviews and job postings to assess fit and remote work policies.
What are popular job titles related to Remote Insurance Rater jobs in Michigan? For Remote Insurance Rater jobs in Michigan, the most frequently searched job titles are:
What job categories do people searching Remote Insurance Rater jobs in Michigan look for? The top searched job categories for Remote Insurance Rater jobs in Michigan are:
Remote Insurance Rater jobs near you
Associate Actuary

Associate Actuary

Hastings Mutual Insurance Company

Hastings, MI • On-site, Remote

Full-time

Retirement, PTO

Posted 22 days ago

Job description

Help shape the profitability and growth of Hastings Insurance's Commercial Lines portfolio.
Hastings Insurance is seeking an experienced Associate Actuary to support commercial lines pricing, profitability analysis, and loss reserving initiatives. In this highly visible individual contributor role, you'll lead actuarial analyses with a high degree of independence, including first-pass quarterly reserve reviews, rate indications, product profitability studies, and strategic analyses that directly influence business decisions.
Working closely with actuarial leadership and partners across Product, Underwriting, Claims, and Finance, you'll identify performance drivers, develop pricing and reserving recommendations, and communicate actuarial insights that help position Hastings for long-term success.
Schedule & Location:
This is a full-time position working Monday through Friday, 8:00 a.m. to 4:30 p.m. and may be performed onsite at our Hastings, Michigan headquarters or in a hybrid arrangement. We may also consider remote candidates who reside in one of our operating states: Michigan, Ohio, Indiana, Illinois, or Wisconsin.
What You'll Do:
  • Lead actuarial projects supporting commercial lines pricing, profitability analysis, loss reserving, and strategic business initiatives.
  • Design and manage actuarial analyses utilizing accepted actuarial standards and methodologies.
  • Analyze product performance and identify opportunities to improve profitability, growth, and retention across commercial lines products.
  • Develop pricing recommendations and strategies that support business objectives and underwriting profitability.
  • Lead assigned actuarial projects as an experienced individual contributor, with support from actuarial analysts. Provide technical direction, review, and coaching on analyst-supported work.
  • Conduct first-pass quarterly reserve reviews, rate indications, product profitability studies, and other strategic actuarial analyses.
  • Partner with Product, Underwriting, Claims, Finance, and other business stakeholders to identify trends, evaluate performance drivers, and support decision making.
  • Research market trends, product innovations, and competitive developments within the commercial insurance marketplace.
  • Communicate actuarial rationale, business tradeoffs, and implementation considerations to leadership and key stakeholders.
  • Partner with Product, IT, and implementation teams to ensure actuarial pricing changes are accurately translated into rating systems and business processes.
  • Assist external actuarial consultants with pricing reviews and other actuarial initiatives as needed.
  • Evaluate existing processes and recommend improvements that enhance efficiency, accuracy, and business value.
  • Design and execute actuarial analyses and projects with minimal supervision.
What You'll Bring:
  • Bachelor's degree in Actuarial Science, Mathematics, Statistics, or a related field, or an equivalent combination of education and experience.
  • Minimum of five years of actuarial experience.
  • Associate of the Casualty Actuarial Society (ACAS) designation required.
  • Commercial lines pricing and/or reserving experience required.
  • Demonstrated ability to independently design actuarial analyses, interpret results, and develop recommendations.
  • Advanced mathematical, statistical, and analytical skills.
  • Experience evaluating large data sets and translating findings into actionable business recommendations.
  • Strong understanding of insurance products, rating methodologies, profitability analysis, and reserving concepts.
  • Advanced knowledge of data sources, research methodologies, and analytical tools.
  • Excellent verbal and written communication skills, including the ability to present technical concepts to business audiences.
  • Strong organizational, project management, and decision-making skills.
  • Experience working effectively in a collaborative team environment.
  • Experience with commercial auto, workers compensation, commercial property, general liability, BOP/CPP, umbrella, or similar commercial lines products preferred.
  • Familiarity with multivariate modeling, predictive analytics, or other advanced actuarial techniques preferred but not required.
About Us:
At Hastings Insurance, we are a trusted partner to our agents, policyholders, and the communities we serve. For more than 135 years, we have helped individuals, families, and businesses protect what matters most and rebuild after loss. We are proud to be rated A (Excellent) by A.M. Best Company, reflecting our financial strength and long-term stability.
While our history is strong, our focus is forward. We invest in technology, strengthen partnerships with independent agents, and continuously refine our products to meet the evolving needs of today's customers. Our strategy centers on responsible growth, expanding our reach while remaining agile, disciplined, and service-driven.
Our people make that possible. Hastings employees thrive in a down-to-earth, collaborative environment that values initiative, accountability, and steady progress. We offer a competitive benefits package that includes a 401(k) with company matching contributions, generous vacation and sick leave, fully paid tuition and professional development reimbursement, and incentive compensation bonus opportunities. At Hastings, your work matters and your growth is supported.
Our Commitment as an Employer:
We believe diverse perspectives strengthen our organization and drive better outcomes. We are committed to building an inclusive workplace where every employee feels respected, supported, and empowered to contribute.
We are proud to be an equal opportunity employer. Employment decisions are based on business needs, job requirements, and individual qualifications, without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, appearance, disability, veteran status, family status, marital status, or any other legally protected characteristic.
We are also committed to providing an accessible and welcoming experience for all candidates. If you require accommodation during the application or interview process, please contact our Talent Acquisition team at 800-442-8277.
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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