Remote Life Insurance Underwriter Jobs in Michigan

Job Type:
Full time
Exempt/Non Exempt:
Hourly
Job Description:
Location Details:
Remote work for day-to-day operations unless occasional travel for meetings, collaborative activities, or team building activities is specified by leadership. Candidate to reside in Michigan.
Position Schedule / Shift:
Monday- Friday 8am-5pm
Position Summary:
Works under minimal supervision with an intermediate-level approval authority to review, accept, reject or modify new and renewal business for moderately complex to complex Personal Lines policies while ensuring a profitable personal book of business. Reviews risk acceptability to make objective decisions based on underwriting guidelines; ensuring standards for state compliance regulations are met. Uses creativity and underwriting knowledge to manage risks and retain business. Refers the most complex or higher level coverage reviews to senior staff or Supervisor.
Builds and maintains on-going relationships with agents with the goals of: educating agents on underwriting philosophy, providing updates on changes to products, services, processes and procedures, communicating compliance related concerns and discussing quality of submissions. Activities include: receiving inbound calls from agents, making outbound calls to agents and traveling to agent offices Reviews loss ratios and growth for agents when evaluating and making agency exceptions. Works with agents to correct errors. May change deductibles, increase premiums, cancel policies or recommend that an agent receive additional training or counseling when necessary. Reports non-compliant or unethical agent behavior.
Partners with Agency Performance Management team and Territory Managers to identify trends and patterns that might create problems. Collaborates with underwriting operations, sales, claims, and other business units to make recommendations regarding products, systems and performance as appropriate.
May assist in the training/mentoring of less experienced staff. May participate in special project teams and department initiatives.
Qualifications:
Required
Education (include minimum education and any licensing/certifications):

• College level coursework in Business Administration or a related field, or equivalent work experience

Experience:

• Working in an underwriting or sales environment to include independent agencies
• Analyzing, problem solving and making sound decisions
• Negotiating and resolving conflict
• Demonstrating proficiency with Microsoft Office software applications

Knowledge of:

• Underwriting policies, procedures and practices
• Property and casualty insurance terminology, contracts and forms
• State insurance regulations and practices
• Inspection techniques related to property and casualty insurance
• Insurance processing systems (i.e., IPM, Sales & Service Portal, PCMS or similar)
• Quantitative measurements (loss ratio, production and profitability)
• Fair Credit Reporting Act as it relates to insurance

Ability to:

• Evaluate, accept, modify, reject or cancel personal lines risks in accordance with the underwriting guidelines
• Evaluate third party documentation to determine the level of risk to which the Company will be exposed
• Make exceptions to guidelines where appropriate without risking the Company's profitability or violating compliance regulations
• Build, maintain and manage producer and customer relationships
• Collaborate and communicate effectively both verbally and in writing with key business partners
• Identify and report non-compliant or unethical agent behavior
• Work under pressure with a strong attention to detail, completing tasks by taking decisive or quick action
• Prepare and present unit activity reports and recommendations to management

Preferred
Education:

• Bachelor's degree in Business Administration or a related field
• CPCU, CIC, IIA or other insurance related designation

Experience:

• Working in a multi-state underwriting or sales environment to include independent agencies
• Underwriting insurance products

Knowledge of:

• Multi-state insurance regulations and practices
• Knowledge of The Auto Club Group's property/casualty insurance products and processing procedures
• ISO or similar bureau rating systems

Work Environment:
Work remote from home. Less than 10% of your time is spent travelling to agent locations.
Compensation & Benefits Overview:
ACG complies with all applicable state and local laws regarding required benefits (including PTO, paid sick leave, etc.).
Compensation
Our Personal Line Underwriter will earn a competitive rate of $24.93- $33.24 per hour with annual bonus potential based on performance.
Benefit
At ACG, we offer a comprehensive and flexible benefits package designed to support your health, financial well-being, and professional growth.
Health & Wellness

• Medical plans with multiple coverage options, including HSA eligibility.
• Prescription drug coverage.
• Dental and vision benefits.
• Employee Assistance Program (confidential support services).

Financial Protection & Insurance

• Company-paid basic life insurance.
• Optional supplemental life insurance and dependent coverage.
• Short-term and long-term disability coverage.
• Critical illness, accident, and pet insurance options.

Retirement & Savings

• 401(k) plan to support long-term financial goals. 3% automatic deferral upon eligibility; may contribute 1% to 50% of eligible earnings, either pre or post tax. Company match of 50% paid on employee contributions up to 6% of pay, payable to employees following the end of the year; immediate vesting. Additional company contribution of 4% of pay each pay day into your account; 100% vested after three (3) years of service.
• Health Savings Account (HSA) and Flexible Spending Accounts (FSA) options.

Time Off & Leave

• Paid Time Off (PTO): Accrual-based, increases with tenure, eligible at 90 days of employment. Full-time new employees will receive up to 12 PTO days annually; accrual based on start date and may include additional PTO based on role and/or state & local requirements. Part-time employee PTO hours are calculated based upon the standard weekly hours the employee is scheduled to work and will accrue at a minimum of 3 hours per month.
• Paid Holidays: Full-time employees are eligible for 10 company-paid holidays annually, in addition to 1 mental health day, 2 floating holidays and 1 volunteer day. Holidays vary by business unit schedules. Part-time employees are eligible for 8 company-paid holidays annually, in addition to 1 mental health day and 2 floating holidays. Holidays vary by business unit schedules.
• Paid leave programs, including parental, bereavement, jury duty, and military leave.

Career Growth & Education

• Tuition assistance (up to $5,250 annually; 80% covered by ACG).
• Professional certification support with 100% reimbursement for eligible programs.
• Opportunities for career development and advancement.

Additional Perks

• Complimentary AAA membership with roadside assistance and travel discounts.
• Adoption assistance program.

Job Posting Period:
This position is expected to remain posted through 8/30/2026; however, it may close at any time once a qualified candidate pool is identified.
Who We Are
Become a part of something bigger.
The Auto Club Group (ACG) provides membership, travel, insurance, and financial service offerings to approximately 14+ million members and customers across 14 states and 2 U.S. territories through AAA, Meemic, and Fremont brands. ACG belongs to the national AAA federation and is the second largest AAA club in North America.
By continuing to invest in more advanced technology, pursuing innovative products, and hiring a highly skilled workforce, AAA continues to build upon its heritage of providing quality service and helping our members enjoy life's journey through insurance, travel, financial services, and roadside assistance.
And when you join our team, one of the first things you'll notice is that same, whole-hearted, enthusiastic advocacy for each other.
We have positions available for every walk of life! AAA prides itself on creating an inclusive and welcoming environment of diverse backgrounds, experiences, and viewpoints, realizing our differences make us stronger.
To learn more about AAA The Auto Club Group visit www.aaa.com
Important Note:
ACG's Compensation philosophy is to provide a market-competitive structure of fair, equitable and performance-based pay to attract and retain excellent talent that will enable ACG to meet its short and long-term goals. ACG utilizes a geographic pay differential as part of the base salary compensation program. Pay ranges outlined in this posting are based on the various ranges within the geographic areas which ACG operates. Salary at time of offer is determined based on these and other factors as associated with the job and job level.
The above statements describe the principal and essential functions, but not all functions that may be inherent in the job. This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements. Reasonable accommodations will be made for otherwise qualified applicants, as needed, to enable them to fulfill these requirements.
The Auto Club Group, and all its affiliated companies, is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, sexual orientation, national origin, disability or protected veteran status.
Regular and reliable attendance is essential for the function of this job.
AAA The Auto Club Group is committed to providing a safe workplace. Every applicant offered employment within The Auto Club Group will be required to consent to a background and drug screen based on the requirements of the position.