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Underwriter Trainee Jobs (NOW HIRING)

Niural Inc

PEO Benefits Underwriting Trainee

New York, NY · On-site

$50K - $60K/yr

About the Job The PEO Benefits Underwriter Trainee is a structured, mentorship-driven entry point into group health underwriting within a PEO/master policy structure. You'll start by learning to ...

Auto-Owners Insurance

Underwriter

Lexington, KY · On-site

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 ...

Auto-Owners Insurance

Underwriter

Montgomery, AL · On-site

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 ...

Auto Owners Insurance Company

Underwriter

Mesa, AZ

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 ...

Auto-Owners Insurance

Underwriter

Mesa, AZ · On-site

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 ...

Auto Owners Insurance Company

Underwriter

Draper, UT · Hybrid

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 ...

Auto Owners Insurance Company

Underwriter

Marion, IN

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 ...

Auto-Owners Insurance

Underwriter

Marion, IN · On-site

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 ...

Auto-Owners Insurance

Underwriter

Tallahassee, FL · On-site

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 ...

Auto-Owners Insurance

Underwriter

Columbia, MO · On-site

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 ...

Auto-Owners Insurance

Underwriter

Draper, UT · On-site

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 ...

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How much do underwriter trainee jobs pay per year?

As of Jul 21, 2026, the average yearly pay for underwriter trainee in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

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

To thrive as an Underwriter Trainee, you need strong analytical abilities, attention to detail, and a bachelor's degree in finance, business, or a related field. Familiarity with underwriting software, risk assessment tools, and proficiency in Excel are commonly required, and industry certifications like CPCU can be advantageous. Excellent communication, problem-solving, and organizational skills help you collaborate with stakeholders and manage multiple priorities. These skills are essential to accurately assess risk, make informed decisions, and contribute to the overall profitability and integrity of the insurance company.

What is the difference between Underwriter Trainee vs Underwriter?

AspectUnderwriter TraineeUnderwriter
Required CredentialsBachelor's degree, training programsExperience, certifications like CPCU or ARM often preferred
Work EnvironmentTraining programs, supervised tasksIndependent decision-making, client interaction
Employer & Industry UsageInsurance companies, entry-level rolesInsurance companies, experienced roles
Search & Comparison IntentLearning about entry-level underwriting rolesUnderstanding experienced underwriting positions

The main difference between an Underwriter Trainee and an Underwriter is experience level. Trainees are in training, focusing on learning the basics, while Underwriters have gained experience and handle complex risk assessments independently.

What is an Underwriter Trainee?

An Underwriter Trainee is an entry-level professional who learns how to evaluate risks and determine appropriate insurance coverage and premiums under the supervision of experienced underwriters. Their training involves learning about insurance policies, analyzing applications, assessing potential risks, and making recommendations based on company guidelines. This role serves as a starting point for a career in underwriting, providing foundational knowledge and practical experience in the insurance industry.

What are some typical challenges an Underwriter Trainee might encounter during their first year on the job?

As an Underwriter Trainee, one common challenge is learning to balance risk assessment with client needs, while adhering to company policies and regulatory requirements. Trainees often need to quickly develop a strong understanding of underwriting guidelines and how to apply them to real-world cases, which can be complex and varied. Additionally, adapting to a fast-paced environment and effectively collaborating with senior underwriters, brokers, and agents requires strong communication and organizational skills. Overcoming these challenges is an important part of gaining confidence and proficiency in the role.
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Underwriter Trainee jobs near you
PEO Benefits Underwriting Trainee

PEO Benefits Underwriting Trainee

Niural Inc

New York, NY • On-site

$50K - $60K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 14 days ago

Job description

About Niural
Niural is the AI-native global PEO for the modern workforce. Our mission is to give every growing company enterprise-grade payroll, benefits, and compliance without the enterprise overhead. Built from scratch rather than retrofitted onto legacy systems, Niural combines payroll, PEO/ASO, global EOR, benefits, and vendor payments into one intelligent platform. Powered by EMMA, our AI coworker that executes - not just advises - Niural runs payroll and compliance across 150+ countries with near-perfect accuracy. Backed by a $52M Series A and $200M+ in annualized gross revenue on our PEO product alone, we're building the financial infrastructure that companies run their businesses on.
About the Job
The PEO Benefits Underwriter Trainee is a structured, mentorship-driven entry point into group health underwriting within a PEO/master policy structure. You'll start by learning to review, validate, and prepare incoming group benefits submissions - census data, prior carrier documentation, plan designs, eligibility rules - and progress toward supporting risk assessment and pricing decisions under the guidance of senior underwriters.
This role sits at the front line of Niural's in-house underwriting engine, the same engine powering our newly launched AI-powered Benefits Selection and Enrollment Platform, which brought medical benefits underwriting in-house to eliminate third-party quoting delays and deliver more competitive pricing for our PEO clients. You'll work closely with our NYC-based sales, underwriting, and BenOps teams, gaining hands-on exposure to every step of the underwriting workflow - from first submission to final rating.
Responsibilities
  • Collect and log incoming underwriting requests across new business, renewals, off-cycle changes, and census updates
  • Review submissions for completeness, including census files, prior carrier invoices, renewal packets, plan designs, eligibility rules, SIC codes, and participation details
  • Learn to triage submissions based on effective dates, complexity, and underwriting service level agreements (SLAs)
  • Audit census data to identify missing fields, formatting inconsistencies, dependent mismatches, ZIP code anomalies, and eligibility flags
  • Assist in validating prior carrier documentation such as rates, contribution structures, enrollment counts, and renewal methodologies
  • Support risk assessment and pricing for new and renewing PEO groups under senior underwriter supervision
  • Learn and apply core underwriting principles: rating factors, loss ratios, credibility, and risk pooling in a PEO/multiple-employer welfare arrangement (MEWA) context
  • Help clarify missing or unclear submission information with brokers or internal teams to prevent underwriting delays
  • Support ACA compliance checks, affordability testing, and eligibility determinations in partnership with the compliance team
  • Collaborate with BenOps and Implementation teams to ensure downstream processes receive clean, accurate, and complete data
  • Maintain organized underwriting files and documentation in line with internal and carrier standards
  • Participate in structured training on group health insurance fundamentals, PEO co-employment models, and state-specific regulatory requirements
  • Shadow senior underwriters on renewal reviews, plan design conversations, and carrier negotiations.
  • Ensure PHI and sensitive data are handled securely in alignment with HIPAA and internal compliance protocols

Skills and Qualifications
  • Bachelor's degree in Finance, Computer Science, Mathematics, Statistics, or a related quantitative field
  • 0-2 years of professional experience - this role is well-suited to recent graduates as well as early-career candidates
  • Strong attention to detail with a focus on data accuracy and quality
  • Strong analytical skills and comfort working with numbers, spreadsheets, and large datasets such as employee census files
  • Genuine interest in health insurance, employee benefits, or insurance risk - prior coursework, internship, or licensing (health & life) is a plus but not required
  • Clear written and verbal communication skills - you'll be translating technical underwriting concepts for brokers and internal stakeholders
  • Proficiency in Excel or Google Sheets; comfort learning new software platforms quickly
  • Ability to manage multiple cases and deadlines simultaneously while maintaining high accuracy standards
  • Self-starter who thrives with structured mentorship but can also work independently as skills develop
  • Based in or willing to work on-site in New York, NY

Nice to Have
  • Exposure to PEO, ASO, or group health insurance concepts
  • Familiarity with ACA compliance, COBRA, or benefits administration
  • Experience with HRIS, benefits admin, or payroll platforms
  • Progress toward or interest in pursuing underwriting/actuarial certifications (e.g., AHIP, LOMA)

What Success Looks Like
In your first 90 days, you'll understand Niural's book of business, master core rating and risk concepts, and be able to accurately review census data and flag issues independently. By month six, you'll be contributing directly to quotes and renewals under senior underwriter guidance, with a clear path toward owning small-group underwriting independently.
Why Niural
At Niural, we're building the future of global workforce management with a relentless focus on innovation and impact. Join a collaborative, mission-driven team in the heart of NYC, where you'll work alongside visionary leaders and top talent shaping how AI transforms benefits and underwriting. We offer a competitive salary, comprehensive health, dental, and vision benefits, 401(k) with match, unlimited PTO, and access to an unparalleled network of founders, investors, and industry events in NYC.
Niural AI is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

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