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The differences between health underwriters and personal lines underwriters can be seen in a few details. Each job has different responsibilities and duties. Additionally, a health underwriter has an average salary of $81,313, which is higher than the $69,706 average annual salary of a personal lines underwriter.
The top three skills for a health underwriter include underwriting guidelines, medical history and risk assessments. The most important skills for a personal lines underwriter are insurance policies, underwriting decisions, and loss ratio.
| Health Underwriter | Personal Lines Underwriter | |
| Yearly salary | $81,313 | $69,706 |
| Hourly rate | $39.09 | $33.51 |
| Growth rate | -4% | -4% |
| Number of jobs | 52,926 | 19,754 |
| Job satisfaction | - | - |
| Most common degree | Bachelor's Degree, 69% | Bachelor's Degree, 64% |
| Average age | 44 | 44 |
| Years of experience | - | - |
A health underwriter is faced with the responsibility of determining if an individual who has applied for a health insurance plan truly qualifies for it. This job is very important, as they will be tasked with ensuring that individuals do not only buy a health insurance plan when they are sick or require urgent medical attention. They may be responsible for choosing which risks a health insurance company will bear and the specific conditions in which clients' health will be covered.
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.
Health underwriters and personal lines underwriters have different pay scales, as shown below.
| Health Underwriter | Personal Lines Underwriter | |
| Average salary | $81,313 | $69,706 |
| Salary range | Between $56,000 And $117,000 | Between $43,000 And $111,000 |
| Highest paying City | - | New York, NY |
| Highest paying state | - | New York |
| Best paying company | - | Capital Group |
| Best paying industry | - | Insurance |
There are a few differences between a health underwriter and a personal lines underwriter in terms of educational background:
| Health Underwriter | Personal Lines Underwriter | |
| Most common degree | Bachelor's Degree, 69% | Bachelor's Degree, 64% |
| Most common major | Business | Business |
| Most common college | University of Pennsylvania | University of Pennsylvania |
Here are the differences between health underwriters' and personal lines underwriters' demographics:
| Health Underwriter | Personal Lines Underwriter | |
| Average age | 44 | 44 |
| Gender ratio | Male, 40.3% Female, 59.7% | Male, 43.1% Female, 56.9% |
| Race ratio | Black or African American, 8.9% Unknown, 2.5% Hispanic or Latino, 10.1% Asian, 5.8% White, 72.3% American Indian and Alaska Native, 0.4% | 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 | 9% | 9% |