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The differences between closers and personal lines underwriters can be seen in a few details. Each job has different responsibilities and duties. Additionally, a personal lines underwriter has an average salary of $69,706, which is higher than the $29,291 average annual salary of a closer.
The top three skills for a closer include customer service, cleanliness and punctuality. The most important skills for a personal lines underwriter are insurance policies, underwriting decisions, and loss ratio.
| Closer | Personal Lines Underwriter | |
| Yearly salary | $29,291 | $69,706 |
| Hourly rate | $14.08 | $33.51 |
| Growth rate | 4% | -4% |
| Number of jobs | 7,560 | 19,754 |
| Job satisfaction | - | - |
| Most common degree | Bachelor's Degree, 35% | Bachelor's Degree, 64% |
| Average age | 45 | 44 |
| Years of experience | 6 | - |
The duties of a closer depend on one's line of work or industry of employment. Typically, their responsibilities revolve around liaising with clients to ensure that they understand and adhere to all terms of the agreement, completing all requirements and necessary documents, and maintaining records of all transactions. A closer must also monitor the regular payments of clients to ensure their compliance with the agreement, answer any inquiries, perform follow-up calls, and address any issues or concerns, resolving them promptly and efficiently.
A personal lines underwriter works at insurance companies to ensure that clients are eligible to receive insurance services. Their responsibilities include gathering and analyzing insurance applications, verifying client information, studying financial histories and occupational risks, and conducting interviews. They may also perform clerical support tasks such as preparing and processing documents, handling calls and correspondence, and updating databases. Moreover, a personal lines underwriter typically works in a team setting, which requires an active communication line for a smooth and efficient workflow.
Closers and personal lines underwriters have different pay scales, as shown below.
| Closer | Personal Lines Underwriter | |
| Average salary | $29,291 | $69,706 |
| Salary range | Between $20,000 And $40,000 | Between $43,000 And $111,000 |
| Highest paying City | Greece, NY | New York, NY |
| Highest paying state | Hawaii | New York |
| Best paying company | GPAC | Capital Group |
| Best paying industry | - | Insurance |
There are a few differences between a closer and a personal lines underwriter in terms of educational background:
| Closer | Personal Lines Underwriter | |
| Most common degree | Bachelor's Degree, 35% | Bachelor's Degree, 64% |
| Most common major | Business | Business |
| Most common college | University of Pennsylvania | University of Pennsylvania |
Here are the differences between closers' and personal lines underwriters' demographics:
| Closer | Personal Lines Underwriter | |
| Average age | 45 | 44 |
| Gender ratio | Male, 45.0% Female, 55.0% | Male, 43.1% Female, 56.9% |
| Race ratio | Black or African American, 9.4% Unknown, 4.6% Hispanic or Latino, 16.3% Asian, 6.1% White, 63.1% American Indian and Alaska Native, 0.5% | Black or African American, 9.2% Unknown, 2.5% Hispanic or Latino, 9.8% Asian, 5.7% White, 72.5% American Indian and Alaska Native, 0.4% |
| LGBT Percentage | 8% | 9% |