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Finance & LegalDeclining

Insurance Underwriter

Mid-level

Also known as: Account Manager Underwriter, Account Underwriter, Automobile and Property Underwriter, Bond Underwriter

Finance & LegalBachelor's Degree

Job Description

Review individual applications for insurance to evaluate degree of risk involved and determine acceptance of applications.
InsuranceUnderwritingRisk ManagementActuarial ScienceFinanceBusinessAnalyticsAnalysisBusiness Administration

Skills employers are looking for in 2027

Software and technologies flagged by O*NET as Hot or In-Demand for this role.

Hot technologies
C++Microsoft AccessMicrosoft ExcelMicrosoft Office softwareMicrosoft OutlookMicrosoft PowerPointMicrosoft WindowsMicrosoft Word
In-demand software
Microsoft ExcelMicrosoft Office softwareMicrosoft OutlookMicrosoft PowerPoint

Job Outlook 2025-2035

Projected growth

-3.8%

US average: +3.5%

Job openings

6,800

per year (US)

Jobs today

125,600

in 2025 → 120,800 (2035)

Typical entry education

Bachelor's degree

Source: U.S. Bureau of Labor Statistics, Employment Projections; O*NET Bright Outlook. Read the BLS Occupational Outlook Handbook

Work Environment

How this work is typically performed, based on O*NET work context data.

Email & digital communication
High
Working in a team
High
Contact with others
High
Freedom to make decisions
High
Time pressure
High
Time spent sitting
High
Working outdoors
Low
Indoor, climate-controlled
High
Dealing with customers
Moderate
Level of competition
Moderate

Source: O*NET Work Context (v31.0)

Future Perspective

Declining Job Market

This field is experiencing contraction with decreasing job opportunities. Consider developing skills in related growing fields.

Impact of AI on this Job

AI will significantly impact insurance underwriters by automating routine data analysis, risk assessment, and policy generation. This will allow underwriters to focus on complex cases, customer relationships, and strategic decision-making, shifting their role towards oversight and advanced analytical interpretation rather than manual processing of straightforward applications.

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Salary

$81,370

Median annual wage, BLS 2025

Required Education

Bachelor's Degree

Minimum educational requirement for this position

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