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Underwriting Trainee Jobs in Michigan (NOW HIRING)

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Underwriting Trainee information

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$28.3K

$68.8K

$121.6K

How much do underwriting trainee jobs pay per year?

As of Sep 8, 2026, the average yearly pay for underwriting trainee in Michigan is $68,750.00, according to ZipRecruiter salary data. Most workers in this role earn between $53,200.00 and $75,800.00 per year, depending on experience, location, and employer.

What is an underwriting trainee?

Underwriting Trainees are entry-level professionals who are learning how to evaluate insurance applications, assess risks, and determine appropriate coverage and premiums. They work under the supervision of experienced underwriters and receive training in company policies, industry regulations, and risk assessment techniques. The goal of an underwriting trainee is to develop the skills necessary to make sound decisions regarding accepting or rejecting insurance applications and to eventually become a fully qualified underwriter.

What kind of training and mentorship can an underwriting trainee expect during their first year?

As an Underwriting Trainee, you can expect a structured onboarding process that combines classroom learning with hands-on experience. Most insurance companies pair trainees with experienced underwriters or mentors who provide guidance on risk assessment, policy review, and client interactions. You’ll likely rotate through different insurance lines to gain a broad understanding of underwriting practices, and participate in team meetings to discuss real cases. This collaborative environment helps you build technical skills and professional networks, laying a solid foundation for advancement within the company.

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

To thrive as an Underwriting Trainee, you need strong analytical skills, 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 Microsoft Excel are typically required, and some employers may value progress toward professional certifications like CPCU. Effective communication, organization, and a willingness to learn help candidates stand out in this entry-level position. These skills and qualities are essential for accurately assessing risks, managing data, and building a successful foundation for a career in insurance underwriting.

What is the difference between Underwriting Trainee vs Underwriter?

AspectUnderwriting TraineeUnderwriter
CredentialsTypically entry-level, may require a degree in finance, insurance, or related fieldProfessional certification often preferred, such as CPCU or similar
Work EnvironmentTraining programs, supervised tasks, learning-focusedDecision-making, risk assessment, independent or team-based
Job ResponsibilitiesAssisting in risk evaluation, learning underwriting processesEvaluating risks, approving or rejecting policies

In summary, an Underwriting Trainee is an entry-level role focused on learning and supporting underwriting tasks, while an Underwriter is a fully responsible professional making risk decisions independently.

How do you become an underwriting trainee?

To become an underwriting trainee, candidates typically need a bachelor's degree in finance, economics, or a related field. Relevant skills include analytical thinking and attention to detail, and some companies may require or prefer prior internship experience in insurance or finance. On-the-job training is provided, and strong communication skills are beneficial for success in the role.

How much do beginner underwriting trainees make?

Beginner underwriting trainees typically earn between $40,000 and $55,000 annually, depending on the industry, location, and company. Entry-level roles often include training on underwriting software and risk assessment skills, with salaries increasing with experience and certifications.

What are the most commonly searched types of Underwriting jobs in Michigan?

The most popular types of Underwriting jobs in Michigan are:

What job categories do people searching Underwriting Trainee jobs in Michigan look for?

The top searched job categories for Underwriting Trainee jobs in Michigan are:

What cities in Michigan are hiring for Underwriting Trainee jobs?

Cities in Michigan with the most Underwriting Trainee job openings:

Infographic showing various Underwriting Trainee job openings in Michigan as of August 2026, with employment types broken down into 86% Full Time, 12% Part Time, and 2% Contract. Highlights an 66% Physical, 8% Hybrid, and 26% Remote job distribution, with an average salary of $68,750 per year, or $33.1 per hour.

Manager Trainee

Farmers Insurance Sarah Schafer Agency

Ann Arbor, MI • On-site

$90K - $100K/yr

Full-time

Medical, Dental, Vision, Life, PTO

Re-posted 27 days ago


Job description

Farmers Insurance is seeking a driven, entrepreneurial Agent in Training who is business-minded, motivated to grow, and interested in building a long-term career in the insurance industry. This is an in-office position located in Michigan, ideal for someone who wants more than a job and is ready to learn how an agency operates while developing the skills needed to eventually step into agency leadership or ownership.


This position offers Paid training which turns to a competitive base salary upon completing training, plus commission and performance-based bonuses.


This role is designed for individuals who want to gain hands-on experience in both the operational and sales sides of the agency while developing the foundation needed to run a successful insurance business. You will work directly with clients, learn the day-to-day functions that drive agency growth, and build the sales and service skills required to grow a book of business. The position provides a structured learning environment that rewards initiative, accountability, and results.


Working closely with agency leadership, you will gain exposure to the business side of insurance, including sales development, customer relationship management, and agency operations. This is a growth-focused opportunity for someone who wants to take ownership of their career, develop real business acumen, and position themselves for future advancement within the Farmers system.


Candidates must have active Michigan Property & Casualty and Life, Accident & Health insurance licenses, or be willing to obtain them. If you are not currently licensed, free pre-licensing education is available to help you meet the state requirements.


If you are motivated, competitive, and ready to build a career with long-term growth potential, this role offers the training, structure, and opportunity to move forward.


Benefits

Annual Base Salary + Commission + Bonus Opportunities

Paid Time Off (PTO)

Flexible Schedule

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Hands on Training

Mon-Fri Schedule

Career Growth Opportunities


Responsibilities
  • Generate new business through a mix of inbound and outbound sales activities, including phone, text, email, and virtual outreach
  • Conduct cold and warm calling to prospective customers, referral sources, and prior leads to build a consistent sales pipeline
  • Follow up promptly on incoming leads, web inquiries, and walk-in prospects to identify coverage needs and close opportunities
  • Build relationships within the community by attending local events, networking, and developing partnerships that create referral opportunities
  • Meet with customers in person, by phone, or virtually to review their current coverage and provide tailored insurance solutions
  • Educate clients on coverage options, risk exposures, and protection strategies to help them make informed decisions
  • Deliver a high level of service by handling policy changes, questions, renewals, and claims support, ensuring a strong customer experience
  • Identify cross-sell and upsell opportunities within the existing book of business to increase account value and retention
  • Maintain accurate activity, pipeline, and customer records within agency systems and CRM tools
  • Stay current on Farmers products, underwriting guidelines, coverage options, and promotions to confidently present solutions and remain competitive
  • Support agency growth goals by consistently meeting or exceeding production and activity targets
  • Collaborate with the agency team to improve processes, share best practices, and contribute to a positive, performance-driven environment

Requirements
  • Must be willing to work in-office in Michigan
  • Active Michigan Property & Casualty and Life, Accident & Health insurance licenses, or willingness to obtain them within a specified timeframe
  • If not currently licensed, candidates must be willing to complete pre-licensing education (free pre-licensing support available)
  • Strong interest in sales, business development, and long-term career growth
  • Entrepreneurial mindset with the desire to take ownership of results and build a career, not just hold a position
  • Excellent communication skills, both verbal and written, with the ability to build trust and rapport quickly
  • Comfortable making outbound calls, following up on leads, and engaging in daily sales activity
  • Self-motivated, competitive, and goal-oriented with the ability to work independently and stay accountable
  • Strong organizational and time management skills, with the ability to manage multiple priorities and follow through consistently
  • Professional presence and the ability to interact with clients in person, virtually, and over the phone
  • Basic computer proficiency and comfort using CRM systems, email, and standard business software
  • Ability to participate in local networking and community activities to support business development
  • High school diploma or equivalent required; college degree or prior sales, customer service, or leadership experience preferred but not required