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Become A Life Underwriter

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Working As A Life Underwriter

  • Getting Information
  • Making Decisions and Solving Problems
  • Analyzing Data or Information
  • Processing Information
  • Documenting/Recording Information
  • Mostly Sitting

  • Make Decisions

  • Repetitive

  • Stressful

  • $65,040

    Average Salary

What Does A Life Underwriter Do At The Hartford

* Agency Management-
* Creates, drives and executes on strategies for new and/or renewal accounts (prospective book management, executes on the mix strategy, low strategy, territorial and agency sales plans, etc.)
* Consults and provides solutions
* Effectively provides excellent account management service of assigned Division through strategic planning and operational excellence.
* Ensures the consistent delivery and execution of the Circle of Service process; tailoring a service plan for each client based on needs.
* Positively impacts and influences final account pricing and terms.
* Successfully sells the proposal
* Responsible for, or influences, retention
* Takes lead in communicating strategy to the agency; coordinates communications across the Enterprise; educates others on the strategy
* Coaches and mentors others on Agency Management
* Trusted advisor to agency; manages the book of business
* Sales-
* Establishes and maintains pipeline
* Manages cross-sell and up-sell opportunities across team; generates cross-sell opportunities
* Manages the sales process including planning, operating routines, and monitoring
* Sources opportunities for other team members
* Coaches and mentors others on sales practices
* Is well versed about every aspect of The Hartford's Value proposition to best position us for success.
* Is professionally demanding and holds internal and external customers accountable.
* Service-
* Consulting with the agents to answer questions regarding coverage, explaining processes, directing the agents to appropriate resources within the Hartford based on their unique needs
* Directs and coordinates identified service issues
* Is highly familiar with how service operates
* Makes recommendations to service; provides feedback to Service leaders

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How To Become A Life Underwriter

Employers prefer to hire candidates who have a bachelor’s degree. However, insurance-related work experience and strong computer skills may be enough. Certification is generally necessary for advancement to senior underwriter and underwriter manager positions.

Education

Most firms prefer to hire applicants who have a bachelor’s degree. Courses in business, finance, economics, and mathematics are particularly helpful.

Training

Beginning underwriters usually work as trainees under the supervision of senior underwriters. Trainees work on basic applications and learn the most common risk factors. As they gain experience, they become responsible for more complex applications and work independently.

Licenses, Certifications, and Registrations

Employers often expect underwriters to become certified through coursework. Courses are important for keeping current with new insurance policies and for adjusting to new technology and changes in state and federal regulations. Certification is often necessary for advancement to senior underwriter and underwriter management positions. Many certification options are available.

For underwriters with at least 3 years of insurance experience, The Institutes offer the Chartered Property and Casualty Underwriter (CPCU) designation. For beginning underwriters, The Institutes offer a training program.

The Institutes also offer two special designations: Associate in Commercial Underwriting (AU) and Associate in Personal Insurance (API). To earn either the AU or API designation, underwriters complete a series of courses and exams that generally take 1 to 2 years.

The National Association of Insurance and Financial Advisors offers an introductory course in basic insurance concepts: the Life Underwriter Training Council Fellow (LUTCF). The American College of Financial Services offers the Chartered Life Underwriter (CLU) certification.

Important Qualities

Analytical skills. Underwriters must be able to evaluate information from a variety of sources and solve complex problems.

Decisionmaking skills. Underwriters must consider the costs and benefits of various decisions and choose the appropriate one.

Detail oriented. Underwriters must pay attention to detail, because each individual item on an insurance application can affect the coverage decision.

Interpersonal skills. Underwriters need good communication and interpersonal skills because much of their work involves dealing with other people, such as insurance agents.

Math skills. Determining the probability of losses on an insurance policy and calculating appropriate premiums require mathematical ability.

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Life Underwriter jobs

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Top Skills for A Life Underwriter

DisabilityIncomeCommunicateUnderwritingDecisionsLifeProductsApprovalAuthorityMedicalRecordsCustomerServiceIndividualLifeMedicalHistoryMIBAssessRiskLifeInsurancePoliciesLifeUnderwritingUnderwritingProcessAccurateFinalDecisionsMedicalInformationUnderwritingDepartmentInsuranceCoverageEKGGroupLifeCompanyUnderwritingGuidelines

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Top Life Underwriter Skills

  1. Disability Income
  2. Communicate Underwriting Decisions
  3. Life Products
You can check out examples of real life uses of top skills on resumes here:
  • Communicate underwriting decisions to agents, with the ability to sell adverse decisions.
  • Risk assessment of policy changes, formal and informal life insurance cases with an approval authority of $3M.
  • Interpret medical records, laboratory test results and exams.
  • Provide quality customer service to both internal and external customers.
  • Provided equitable, accurate and competitive classification of individual life insurance risk up to 2,500,000.

Top Life Underwriter Employers