Insurance underwriter entry level jobs

Security National Life was founded in 1965 out of Salt Lake City, UT. We offer a variety of final expense products in over 30 states across the US. We have experienced exponential growth over the past year, and we would like to share our success with you. Our Final Expense Sales Agent help families by offering final expense policies to protect them for the future. We offer: Uncapped commissions paid daily Career advancement opportunities Sales incentives, contests and bonuses throughout the year Dynamic sales training, web application, Customized CRM and Easy Underwriting Company assisted lead programs for fresh, exclusive leads You offer: Life Insurance license or motivated to obtain one Desire to help others- face to face or through tele sales opportunities Go-getter attitude with ability to work independently Ability to pass background check Responsibilities: Identify sales opportunities for final expense insurance plans Sell final expense plans that can cover the funeral, legal or household expenses Our motto is EXCELLENCE, our goal is GROWTH. Apply now to hear from our Regional Managers.

The salary range for this job posting is $69,152.00 - $123,921.00 annually + bonus + benefits. Pay Type: Salary The above represents the full salary range for this job requisition. Ultimately, in determining your pay and job title, we'll consider your location, education, experience, and other job-related factors, and will fall within the stated range. Your recruiter can share more information about the specific salary range during the hiring process. Ideal candidates will reside in Kentucky, Indiana or Ohio and have underwriting experience with Package Lines and Workers' Compensation. We will also consider candidates who live in any of our listed payroll approved states that have the necessary underwriting experience. This role will underwrite accounts averaging between $35k - $75k. We may hire a senior level depending on candidate qualifications. (Compensation shown is inclusive of the non-senior and senior level) This role will report to a Regional Vice President, Commercial Lines. Are you a Referral? If you know a current Encova Insurance associate and would like to apply as a referral, please encourage them to submit your referral information before you submit your application. You will receive an email with a direct URL link to the Job Posting of interest. Applying through this URL link will create your referral relationship for our Talent Acquisition Team. Unique residence requirements are listed in each job posting, please review closely for details. Encova is only able to employ associates who reside and work within specific U.S. states. Our current policies are based on the laws in states in which we are registered for payroll. Our current footprint includes: Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, Wisconsin. JOB OBJECTIVE: The middle market underwriter reviews risks, determines acceptability, and successfully writes profitable business accounts. Within designated authority, reviews insurance applications to evaluate, classify and rate each risk to determine acceptability, coverage and pricing. Responsible for the financial performance of the assigned book of business and is expected to achieve profitable retention and new business growth. Focused on taking action to achieve results that positively impact sales and profitability while ensuring excellent customer service and timely responsiveness to independent agents for their commercial lines accounts. ESSENTIAL FUNCTIONS: 1. Determine the acceptability, quality, pricing, profitability and opportunity for new and existing business. 2. Complete thorough risk analysis on designated accounts using appropriate Encova, NCCI, ISO and industry rules, policies, procedures, and guidelines, etc. 3. Identify, create and initiate new business opportunities within current book of business and assigned agencies. 4. Gather and analyze information necessary to make an accurate evaluation of risk. 5. Accept or reject commercial lines accounts that fall outside of straight through processing rules through exposure identification and risk analysis, including: • understanding all exposures that might cause a policy to incur losses; • conservatively assessing the likelihood of any exposure actually causing a loss and the probable cost if it does; • setting a premium that, on average, would deliver a profit after both prospective loss costs and operating expenses are covered; • be willing to walk away if the appropriate premium cannot be obtained. 6. Apply discretionary pricing appropriately based on risk exposures, risk quality, loss potential, pricing model indications and your letter of authority. 7. Determine acceptability of revision requests that fall outside straight through processing rules and communicate how the revision will be handled to the Associate Underwriter. 8. Communicate all underwriting decisions or changes on coverage, limits, exposures and/or pricing, discussing alternatives with assigned agents as needed. 9. Promote effective agency relationships and encourage continued use of our company products and technology. 10. Provide support to appointed agents by serving as a resource for underwriting questions. 11. Utilizes Encova systems to transact requests and endorsements. 12. Utilize available resources including company underwriting guidelines, business unit strategies, and consultations with others to ensure adequate understanding of risk exposures. 13. Prepare proposals to producers, including negotiation of terms and conditions. 14. Ensure the proper issuance of policies, certificates, filings and notifications. 15. Seek the guidance of management on risks exceeding assigned authority levels. 16. Effectively utilize industry rules and guidance to ensure proper policy construction. 17. Identify underwriting issues; recommend and develop plans for problem resolution and implement them where appropriate. 18. Manage existing and prospective accounts by actively participating in account renewals, new business presentations as needed and discussion with agents. 19. Participate in monitoring and analyzing growth and profitability of assigned agents; initiate actions and understand downstream impact of alternatives. 20. Mentor entry-level underwriters and trainees to achieve profitable retention, growth and customer service standards. 21. Serve as a resource for other team members and units. OTHER FUNCTIONS: 1. Maintain an awareness of the current objectives and initiatives of Encova Insurance. 2. Maintain an understanding of all products offered by Encova Insurance and be able to guide agents to the appropriate contact for needs outside of commercial lines. 3. Travel to various locations to support business objectives when necessary. 4. Perform other duties as assigned. KNOWLEDGE, SKILLS AND ABILITIES: • Minimum 2 years of commercial lines underwriting experience in package lines and/or worker's compensation in the Property and Casualty insurance market strongly preferred. • Bachelor's degree preferred, demonstrated significant underwriting experience may substitute. • Interpersonal skills are required including the ability to demonstrate professionalism, adaptability, accountability, collaboration and problem solving. • Insurance designations or insurance education course work (i.e. AINS-Associate in General Insurance) strongly preferred. • Critical thinking: Ability to assess an individual situation and select applicable rules from an array of options, resulting in the most appropriate and sustainable decision. • Strong oral and written communication skills. • Knowledge of underwriting laws and rules and their application. • Knowledge of policy and procedures regarding risk administration and risk management, underwriting and loss control. • Knowledge of the insurance industry and the business environment in which it operates in order to develop an effective business strategy and remain technically current. • Thorough understanding of business exposure calculations, classifications, experience rating or other plan modifications. • Ability to develop and implement account, territorial, producer and book strategies to acquire and retain business. • Ability to work effectively in a team environment. • Ability to use logic and reasoning to identify strengths and weaknesses of alternative solutions, conclusions or approaches to problems. • Ability to identify complex problems and review related information to develop and evaluate options and implement solutions. • Ability to make sound decisions after considering all facts, potential risks, customer needs and alternative solutions. • Ability to initiate and build relationships and tailor services to meet customer needs. • Ability to present ideas and information to individuals and groups in a clear, concise, influential, organized and diplomatic manner and address concerns or needs. • Ability to adjust priorities based on changing situations. • Ability to effectively manage multiple assignments while meeting established guidelines. • Proficient in Excel. This position has been evaluated in accordance with the Americans with Disabilities Act. Encova Insurance makes every effort to reasonably accommodate disabilities to permit performance of the essential functions and candidates who need such accommodation are encouraged to seek it. This description reflects the nature and level of work performed by associates in this position. It is not an all-inclusive inventory of duties, responsibilities and qualifications required. It provides an accurate overview of the work and skills needed to perform this position. Because job content may change from time to time, Encova Insurance reserves the right to add and/or delete functions from this job as it deems necessary for business reasons. Ready to join our team? At Encova Insurance, we firmly believe that our associates drive our company's success by delivering unrivaled service to our customers. With success in mind, we make an ongoing effort to provide an environment that offers challenging, stimulating, and financially rewarding opportunities. Join us to discover a work experience where you can learn and grow to your fullest potential. What you can expect from us In addition to a competitive compensation package, we offer a comprehensive benefits package designed to support the well-being and growth of our associates. Available benefits (subject to any policy or plan changes) include, but are not limited to: Health, Dental & Vision Insurance Company-provided life and income protection plans Eligibility to participate in a company incentive bonus program 401(k) Retirement Plan - 100% company match up to 7% on annual salary Paid Time Off, Paid Holidays, and Floating Holidays Flexible Work Arrangements - Hybrid and remote depending on the role We believe that happy, healthy associates are the foundation of great work. Join us and thrive both professionally and personally. Encova Insurance is an EOE/E-Verify employer. #LI-Remote#LI-MF1

American Senior Benefits is backed by the Integrity Marketing Group the largest insurance marketing organization in the country. That gives us a unique opportunity to position you to positively impact the lives of your community every day. You will have the opportunity to leverage our four-pronged value proposition and truly build something that you will own. We are looking for professionals who want to help families. Helping seniors in your community by providing them “Peace of Mind,” as you help them navigate the challenges that retirement brings is for the professionals with the highest integrity. Are you ready to grow personally and professionally? Some of the best leaders in the industry are ready to speak with you. 💎We offer a compensation structure that allows you to continue to grow your business and your income. 💎We have access to over 200 top rated carriers, so we are always giving our clients the very best solution. 💎We have an unparalleled lead system that makes sure you're using your time building relationships. 💎We have tremendous back-office support that will guide you through industry changes and sales training. 💎We give our field partners an opportunity to own their business. Responsibilities Regularly communicate with your clients following up on their questions and concerns. Conduct initial interviews and fill out a needs assessment to determine your client's unique situation. Evaluate all available products and offer your client's choice and option. Remain educated with the support of our back office on all industry updates and changes. Communicate with team members leveraging relationships to Support your community. Become a subject matter expert to support your clients. Qualifications Qualified candidates will possess the following: A valid drivers license. Superior communication skills both verbal and written. Good computer and software skills A teachable spirit If you are ready to build something you own to benefit your family while protecting the assets of your community, find out more about this career today join us Compensation USD $69,900.00 - USD $99,000.00 /Yr.

**This internship program is a 12-week program starting February 2, 2026.** **SUMMARY OF JOB RESPONSIBILITIES** This job has the goal of providing the opportunity to acquire practical experience through direct exposure to the related business line(s) and to develop the next generation of diverse business professionals. To that end, the program will provide hands-on training and experience in the business line, expose the various career opportunities in the business line and related areas, and prepare participants for positions in the business. Typical responsibilities include, providing services to the day-to-day operating objectives of the assigned area, participating in projects and programs appropriate to the needs of the assigned area, participating in the planning and implementation of projects and initiatives, conducting research and reporting including recommendations or proposals for action. Interns will acquire practical business experience in stop loss underwriting while working with Stop Loss underwriting experts. **REQUIRED QUALIFICATIONS** + Full or part-time enrollment in an accredited college or university baccalaureate program. **PREFERRED ANTICIPATED GRADUATION DATES** + Spring 2026 + Summer 2026 + Winter 2026 + Spring 2027 **ESSENTIAL JOB FUNCTIONS** 1. Communicate effectively while interacting directly with colleagues, clientele, and/or other internal or external constituencies in the planning of assignments and the resolution of day-to-day operational problems. 2. Under supervision, provide entry-level professional services as appropriate to the day-to-day operating objectives of the area. Receives guidance, training, and mentoring from senior personnel in planning and carrying out activities and assignments. 3. Undertake and/or participates in projects and programs designed to develop professional skills and expertise appropriate to the needs of the organization. 4. Participate in the planning and implementation of unit projects and initiatives within area of expertise and ability. 5. As specifically requested by management, conduct research and reporting inclusive of recommendations or alternative proposals for action. 6. Undertake related studies or enrichment programs as appropriate to the specific objectives of the operating unit. 7. Perform miscellaneous job-related duties as assigned. **_Disclaimer:_** _The job description has been designed to indicate the general nature and essential duties and responsibilities of work performed by employees within this job title. It may not contain a comprehensive inventory of all duties, responsibilities, and qualifications required of employees to do this job._ **_Compliance Requirement:_** _This position adheres to the ethical and legal standards and behavioral expectations as set forth in the code of business conduct and company policies_ As a component of job responsibilities, employees may have access to covered information, cardholder data, or other confidential customer information that must be protected at all times. In connection with this, all employees must comply with both the Health Insurance Portability Accountability Act of 1996 (HIPAA) as described in the Notice of Privacy Practices and Privacy Policies and Procedures as well as all data security guidelines established within the Company's Handbook of Privacy Policies and Practices and Information Security Policy. Furthermore, it is every employee's responsibility to comply with the company's Code of Business Conduct. This includes but is not limited to adherence to applicable federal and state laws, rules, and regulations as well as company policies and training requirements. **Pay Range Minimum:** **Pay Range Maximum:** _Base pay is determined by a variety of factors including a candidate's qualifications, experience, and expected contributions, as well as internal peer equity, market, and business considerations. The displayed salary range does not reflect any geographic differential Highmark may apply for certain locations based upon comparative markets._ Highmark Health and its affiliates prohibit discrimination against qualified individuals based on their status as protected veterans or individuals with disabilities and prohibit discrimination against all individuals based on any category protected by applicable federal, state, or local law. We endeavor to make this site accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact the email below. For accommodation requests, please contact HR Services Online at ***************************** California Consumer Privacy Act Employees, Contractors, and Applicants Notice Req ID: J270845

Take Your Next Step to Success! Work for a Company That Cares About Your Success! We'll Provide the Training and Support to be Successful! and a very nice compensation and benefits package. You will be joining the Most Dynamic “New Financial Firm in the Midwest.” Your Success is Important! A Leadership Team With Over 100 Years of Combined Experience in Helping Producers Significantly Grow Their Practice. Positions available across the region. Proactively reach out to potential customers and offer customized financial strategies. Build relationships with your clients to understand their financial goals and help ensure that they reach them. Build on your current sales skills and financial product knowledge with continued training, coaching, and corporate support. Proactively recommend financial solutions to clients from our wide range of insurance and financial products. This program offers: Extensive client and practice management software platform Strong internal referral system Training/transition allowance Strong payout grid Base compensation plus Additional bonus opportunities and incentive programs Competitive benefits package plus trips and rewards......... This firm is very supportive of you and your business and the management team is very hands on. They are committed to their financial professionals and are seeking individuals who are driven, have the desire to build their business, and put their clients' needs first. This is an excellent opportunity to work with a program that wants you to succeed and gives you the tools to do so. So please reply ASAP! Email: recruiterchic@gmail.com Apply online to www.lifetimerecruiting.com “Your Success is Our Future Together” Pamela J. Kortekamp Lifetime Recruiting Strategies "Developing Relationships that last a Lifetime" Please contact me with any questions: Email: lifetimers@fuse.net http://www.lifetimerecruiting.com/ Phone: (w) 513-753-4926

Why You'll Love This Internship: Hands-On Experience: Gain valuable on-the-job experience in our corporate office. Flexible Schedule: Enjoy a Monday through Friday schedule that fits your academic commitments. Competitive Pay: We offer competitive internship pay to recognize your contributions. Professional Connections: Connect with insurance professionals and expand your network. What You'll Do: Assist Underwriting Team: Process policy changes that are submitted by our agency force. Manage Reports: Order and review motor vehicle and other reports. Work with Data: Use online portals to handle policy data. Explore Departments: Gain exposure to various department operations within the organization. What We're Looking For: Self-Motivated: Bring a solid work ethic and a commitment to high-level customer service. Effective Communicator: Build relationships through strong communication, presentation, and interpersonal skills. Energetic and Organized: Manage your time effectively to meet deadlines. Eager to Learn: Make good decisions in a supportive learning environment. Agriculture background: Make good use of your agricultural experience in our Farm department. Preferred Qualifications: Education: Currently enrolled as an undergraduate in college, pursuing an associate or bachelor's degree in business or communication. Internship Details: Duration: This assignment lasts for 10-12 weeks, requiring a minimum of 10 hours per week during the school year and up to 40 hours per week during the summer. Potential for Extension: The internship has the potential to extend into a part-time role after the initial 10-12 weeks. Location: The candidate should be enrolled in a local college and able to commute to Celina regularly while attending classes. Why Celina Insurance Group? Celina Insurance Group offers auto, home, business, and farm insurance in Ohio, Indiana, Kentucky, Tennessee, and West Virginia. As a family of four mutual property and casualty companies, we work with a network of trusted independent agencies to provide the right coverage for our clients' needs. Whether you are an insurance pro or just starting in the industry, Celina offers a variety of rewarding careers with room for growth. As a winner of the Insurance Best Places to Work, we provide comprehensive benefits, flexible and hybrid work opportunities, and a supportive workplace.

This intern role will work a hybrid schedule from our Columbus, Ohio corporate office location with days in office each week. Pay = $18 per hour Encova Insurance has again been recognized as a RISE Elite Top 50 internship program, making this our sixth year in a row! Rising Insurance Star Executives (RISE) is the voice of young professionals who are looking for ways to share their innovative ideas and spread a new message about who the insurance industry is. As an intern at Encova Insurance you will be part of a dynamic, results-driven team and learn to manage real world situations alongside Encova associates. Our successful internship program attracts students from across our region and our diverse opportunities ensure that our interns are provided with a wide range of learning possibilities! Are you a Referral? If you know a current Encova Insurance associate and would like to apply as a referral, please encourage them to submit your referral information before you submit your application. You will receive an email with a direct URL link to the Job Posting of interest. Applying through this URL link will create your referral relationship for our Talent Acquisition Team. Unique residence requirements are listed in each job posting, please review closely for details. Encova is only able to employ associates who reside and work within specific U.S. states. Our current policies are based on the laws in states in which we are registered for payroll. Our current footprint includes: Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, Wisconsin. JOB OBJECTIVE: The Intern will perform tasks, projects and research in support of functional areas with underwriting and the underwriting office. The objective is to provide meaningful and impactful support to the business teams. Will also be exposed to different areas within the company to gain a broad understanding of insurance. ESSENTIAL FUNCTIONS: Opportunities with corporate and regional underwriting teams. Perform routine transactional activities on non-complex risks and established accounts following established procedures. Assist in issuance, assembly and other support of policies based on the strategy at the direction and guidance of the manager in underwriting. Field routine service and research project requests, referring more complex issues. Ensure accurate and timely servicing of accounts and projects. OTHER FUNCTIONS: Other projects and duties as assigned. KNOWLEDGE, SKILLS, AND ABILITIES: Must be currently enrolled and have completed at least 60 credit hours with an accredited college or university. This is a full-time summer internship and will require someone who can work at least 40 hours per week. Start and end dates will be based on availability and business need. Preference may be given to those pursuing a degree in Risk Management, Business Administration and/or Finance. Good computer skills. Proficient in Excel. Good communication skills. Responsiveness to customer needs. Ability to work well with both internal and external customers. Ability to multi-task. Must be detailed oriented. Ability to work as an outstanding team member and perform based on established standards and expectations. This position has been evaluated in accordance with the Americans with Disabilities Act. Encova Insurance makes every effort to reasonably accommodate disabilities to permit performance of the essential functions and candidates who need such accommodation are encouraged to seek it. This description reflects the nature and level of work performed by associates in this position. It is not an all-inclusive inventory of duties, responsibilities and qualifications required. It provides an accurate overview of the work and skills needed to perform this position. Because job content may change from time to time, Encova Insurance reserves the right to add and/or delete functions from this job as it deems necessary for business reasons. Ready to join our team? At Encova Insurance, we firmly believe that our associates drive our company's success by delivering unrivaled service to our customers. With success in mind, we make an ongoing effort to provide an environment that offers challenging, stimulating and financially rewarding opportunities. Join us to discover a work experience where your diverse ideas will be met with enthusiasm - where you can learn and grow to your fullest potential. What you can expect from us Join our family of industry leaders, and let us reward you with a competitive salary, bonus and benefits package that includes but is not limited to: a 401(k), wellness programs, bonus incentive plans and flexible schedules, with an early close of the office every Friday. Additionally, Encova aspires to be an outstanding corporate citizen in all the markets we serve; we encourage and support associate participation in community initiatives through our foundations. Encova Insurance is an EOE/E-Verify employer. #LI-Hybrid#LI-LP1

Security National Life was founded in 1965 out of Salt Lake City, UT. We offer a variety of final expense products in over 30 states across the US. We have experienced exponential growth over the past year, and we would like to share our success with you. Our Final Expense Sales Agent help families by offering final expense policies to protect them for the future. We offer: Uncapped commissions paid daily Career advancement opportunities Sales incentives, contests and bonuses throughout the year Dynamic sales training, web application, Customized CRM and Easy Underwriting Company assisted lead programs for fresh, exclusive leads You offer: Life Insurance license or motivated to obtain one Desire to help others- face to face or through tele sales opportunities Go-getter attitude with ability to work independently Ability to pass background check Responsibilities: Identify sales opportunities for final expense insurance plans Sell final expense plans that can cover the funeral, legal or household expenses Our motto is EXCELLENCE, our goal is GROWTH. Apply now to hear from our Regional Managers.

Security National Life was founded in 1965 out of Salt Lake City, UT. We offer a variety of final expense products in over 30 states across the US. We have experienced exponential growth over the past year, and we would like to share our success with you. Our Final Expense Sales Agent help families by offering final expense policies to protect them for the future. We offer: Uncapped commissions paid daily Career advancement opportunities Sales incentives, contests and bonuses throughout the year Dynamic sales training, web application, Customized CRM and Easy Underwriting Company assisted lead programs for fresh, exclusive leads You offer: Life Insurance license or motivated to obtain one Desire to help others- face to face or through tele sales opportunities Go-getter attitude with ability to work independently Ability to pass background check Responsibilities: Identify sales opportunities for final expense insurance plans Sell final expense plans that can cover the funeral, legal or household expenses Our motto is EXCELLENCE, our goal is GROWTH. Apply now to hear from our Regional Managers.

Security National Life was founded in 1965 out of Salt Lake City, UT. We offer a variety of final expense products in over 30 states across the US. We have experienced exponential growth over the past year, and we would like to share our success with you. Our Final Expense Sales Agent help families by offering final expense policies to protect them for the future. We offer: Uncapped commissions paid daily Career advancement opportunities Sales incentives, contests and bonuses throughout the year Dynamic sales training, web application, Customized CRM and Easy Underwriting Company assisted lead programs for fresh, exclusive leads You offer: Life Insurance license or motivated to obtain one Desire to help others- face to face or through tele sales opportunities Go-getter attitude with ability to work independently Ability to pass background check Responsibilities: Identify sales opportunities for final expense insurance plans Sell final expense plans that can cover the funeral, legal or household expenses Our motto is EXCELLENCE, our goal is GROWTH. Apply now to hear from our Regional Managers.