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Underwriter Jobs in Normal, IL (NOW HIRING)

Rivian

Insurance Advisor

Normal, IL · On-site

$79K - $99K/yr

Deep knowledge of P&C products, underwriting guidelines across multiple carriers, and the ability to solve complex policy riddles on the fly. * Sales Prowess: A self-starter with a "closer" mentality ...

Rivian

Insurance Advisor

Normal, IL

$79K - $99K/yr

Deep knowledge of P&C products, underwriting guidelines across multiple carriers, and the ability to solve complex policy riddles on the fly. * Sales Prowess: A self-starter with a "closer" mentality ...

Countryfinancial

Product Analyst

Bloomington, IL · On-site

$78K - $108K/yr

... underwriting, agency management, distribution, claims and other processes. - Ensures overall goals for production and underwriting profitability are met by analyzing premium rates, loss experience ...

COUNTRY Financial

Product Analyst

Bloomington, IL · On-site

$78K - $108K/yr

... underwriting, agency management, distribution, claims and other processes. - Ensures overall goals for production and underwriting profitability are met by analyzing premium rates, loss experience ...

Corgi Insurance Services, Inc

Head of People

Atlanta, IL · On-site

$160K - $230K/yr

We're not a broker, so we underwrite and issue policies directly, with fewer handoffs and less friction. Cutting out intermediaries lets us tailor coverage to how companies actually operate and price ...

LifeWise Academy

Volunteer Vehicle Driver

Morton, IL · On-site

All drivers with known medical conditions are required to obtain a yearly underwriter-approved Physician's Statement (refer to this Physician's Statement from Brotherhood Mutual). * Complete drug and ...

LifeWise Academy

Volunteer Vehicle Driver

Eureka, IL · On-site

All drivers with known medical conditions are required to obtain a yearly underwriter-approved Physician's Statement (refer to this Physician's Statement from Brotherhood Mutual). * Complete drug and ...

Countryfinancial

Commercial Premium Auditor

Bloomington, IL · On-site

$64K - $89K/yr

... Underwriting and Billing. Do you have what we're looking for? Typically requires 4+ years of relevant experience or a combination of related experience, education and training. Base Pay Range: $64 ...

LifeWise Academy

Vehicle Driver

Morton, IL · On-site

All drivers with known medical conditions are required to obtain a yearly underwriter-approved Physician's Statement (refer to this Physician's Statement from Brotherhood Mutual). * Complete drug and ...

LifeWise Academy

Vehicle Driver

Eureka, IL · On-site

All drivers with known medical conditions are required to obtain a yearly underwriter-approved Physician's Statement (refer to this Physician's Statement from Brotherhood Mutual). * Complete drug and ...

LifeWise Academy

Volunteer Vehicle Driver

Roanoke, IL · On-site

All drivers with known medical conditions are required to obtain a yearly underwriter-approved Physician's Statement (refer to this Physician's Statement from Brotherhood Mutual). * Complete drug and ...

Varsity Tutors

Insurance License Tutor

Normal, IL · Remote

$40/hr

Deep knowledge of insurance licensing examination content covering life insurance, health insurance, property insurance, casualty insurance, insurance regulations, policy provisions, and underwriting ...

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All JobsUnderwriter JobsUnderwriter Jobs in Normal, IL

Underwriter information

See Normal, IL salary details

$31.8K

$77.1K

$136.4K

How much do underwriter jobs pay per year?

As of Jun 16, 2026, the average yearly pay for underwriter in Normal, IL is $77,116.00, according to ZipRecruiter salary data. Most workers in this role earn between $59,600.00 and $85,100.00 per year, depending on experience, location, and employer.

Do you need a degree to be an underwriter?

A degree is not always required to become an underwriter, but many employers prefer candidates with a bachelor's degree in fields like finance, business, or economics. Relevant skills such as analytical thinking, attention to detail, and knowledge of insurance or lending practices are also important, and professional certifications can enhance job prospects.

What qualifications do you need for underwriting?

Underwriters typically need a bachelor's degree in finance, economics, or a related field. Relevant skills include strong analytical abilities, attention to detail, and knowledge of insurance or lending practices; professional certifications like the Chartered Property Casualty Underwriter (CPCU) can also enhance qualifications.

What is the difference between Underwriter vs Actuary?

AspectUnderwriterActuary
Required CredentialsInsurance license, sometimes certifications like CPCUFellowship in SOA or CAS, actuarial exams
Work EnvironmentInsurance companies, underwriting departmentsConsulting firms, insurance companies, financial institutions
Industry UsageCommon in insurance, bankingPrimarily in insurance, pensions, finance
Job FocusAssessing risk for policy approvalAnalyzing statistical data to predict future risks

While both underwriters and actuaries work in the insurance industry assessing risk, underwriters focus on evaluating individual insurance applications and approving policies. Actuaries analyze large data sets to forecast future risks and set premium rates. Their roles complement each other but require different certifications and skill sets.

What Do Underwriters Do?

The most common underwriters work for insurance companies or financial institutions to evaluate financial risk for insurance policies or loans. They review applications and paperwork and can approve or deny the request based on a set of three criteria--credit reputation, capacity to repay the loan, and collateral value. Underwriters check the applicant’s credit report and credit history, weight their annual salary with the cost of the loan or policy, and determine the loan-to-value ratio. Using these factors, they may approve the application, suspend it until further stipulations are met, or deny it.

Other kinds of underwriters include equity underwriters who administer the distribution of securities, and debt securities underwriters who buy government bonds and other debt securities and sell them for a profit.

Is underwriting a tough job?

Underwriting is a demanding role that requires strong analytical skills, attention to detail, and the ability to assess risk accurately. It often involves working under pressure to meet deadlines and making complex decisions based on financial and personal information.

What exactly does an underwriter do?

An underwriter evaluates and assesses the risk of insuring individuals or assets by reviewing applications, financial information, and supporting documents. They determine whether to approve or deny coverage and set appropriate premium rates, often using specialized software and industry guidelines. Underwriters play a key role in insurance, banking, and mortgage industries to ensure profitable and manageable risk exposure.

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

To thrive as an Underwriter, you need strong analytical skills, attention to detail, and a background in finance, business, or a related field, often supported by a bachelor's degree. Proficiency with underwriting software, risk assessment tools, and industry certifications such as CPCU or ARM is highly valued. Excellent decision-making, negotiation, and communication skills help underwriters effectively assess risk and interact with clients or agents. These skills are essential for accurately evaluating applications, minimizing financial risk, and supporting organizational profitability.

What does an underwriter do?

An underwriter evaluates the risk of insuring a person, property, or company and decides whether to provide insurance or a loan, and at what terms. They analyze applications, review financial and background information, and use statistical data to determine the likelihood of a loss. Underwriters play a key role in banking, insurance, and mortgage industries, ensuring that risks are carefully assessed to protect their organization from potential losses.

What are some common challenges faced by underwriters in balancing risk assessment and business goals?

Underwriters often face the challenge of thoroughly assessing risk while also supporting their company's business objectives, such as meeting production goals or maintaining client relationships. This requires a careful analysis of data, attention to detail, and effective communication with agents or brokers to clarify information and negotiate terms. Balancing these priorities can be demanding, but successful underwriters develop strong analytical skills and the ability to make judicious decisions under time constraints. Collaboration with other departments, such as claims and sales, is also key to ensuring both risk management and business targets are achieved.
More about Underwriter jobs
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Underwriter jobs near you

Insurance Sales Representative

Ivan Waters American Family Insurance

Morton, IL • On-site

$40K - $60K/yr

Full-time

Life, PTO

Posted 26 days ago

Be an early applicant

Job description

Are you looking to make a real difference in people's lives while building a rewarding career in sales? Ivan Waters American Family Insurance in Morton, Illinois, is seeking a motivated and friendly Insurance Sales Representative to join our dedicated team. We're more than just an insurance agency; we're a community-focused group committed to helping our neighbors protect what matters most. You'll have the opportunity to connect with individuals and families, understand their unique needs, and offer tailored insurance solutions that provide peace of mind. We believe in nurturing talent and providing a supportive environment where you can grow your skills and your income. If you're passionate about helping others, possess strong communication abilities, and are eager to embark on a fulfilling sales journey right here in Morton, we invite you to explore this exciting opportunity with us!


Benefits

Annual Base Salary + Commission + Bonus Opportunities

Paid Time Off (PTO)

Work from Home

Flexible Schedule

Life Insurance

Mon-Fri Schedule

Career Growth Opportunities

Insurance Licensing Assistance

Hands on Training

Leads Provided

Paid Holidays


Responsibilities
  • Build relationships with prospective clients to understand their insurance needs.
  • Explain insurance policy options and coverage details clearly and concisely.
  • Provide personalized insurance quotes and proposals.
  • Guide clients through the application and underwriting process.
  • Follow up with clients to ensure satisfaction and address any questions.
  • Maintain accurate client records and manage policy renewals.
  • Collaborate with the team to achieve sales targets.

Requirements
  • Illinois Property & Casualty License or willingness to obtain
  • Previous sales experience, preferably in insurance.
  • Excellent communication and interpersonal skills.
  • A proactive approach to identifying client needs.
  • Comfortable with administrative tasks and record-keeping.
  • Proficiency in using CRM software and standard office applications.