What Are the Duties of an Insurance Underwriter?


Every large and small insurance company has its own specific set of underwriting guidelines that must be followed by all of its employees in order to function as a successful organization. Evaluating an individual or small independent company's risk factors before issuing an insurance policy is just one very important duty that an insurance underwriter must perform on a daily basis.

Analyze Client Information

  • In order to thoroughly investigate a potential future client's risk before issuing a substantial insurance policy, an insurance underwriter must analyze the client's background in complete detail. The underwriter analyzes the client's age, family background and current health problems using the insurance company's analyzing software.

Report Writing Duties

  • After the insurance underwriter has evaluated the risks involved in issuing an insurance policy for an individual or a corporation, the underwriter is ready to write up a full report. These reports are usually created using a software database that is already installed into the insurance company's computer mainframe. These reports are concise and show a full listing of the future client's risk factors as well as underlying reasons that the insurance company should or should not insure the individual or corporation.

Internet Research Duties

  • Individuals and companies needing insurance policies can sometimes try to withhold or hide pertinent information regarding the stats behind issuing a policy; it is up to the insurance underwriter to perform an Internet search. This type of research involves getting on the web and looking through various research websites that can bring up important information involving the prospective client's driving records, credit scores and other vital statistics.

Clerical Assistant Duties

  • Since insurance underwriters work hand in hand with other insurance agents, sales staff employees and data entry clerks, it is necessary that insurance underwriters help with clerical duties such as filing, taking some phone calls and entering customer information into a mainframe database. These duties entail searching through clients' file records and handing them to insurance agents so they can see where the client lives, along with other information, as well as taking phone calls from prospective clients regarding whether the insurance policy can be drawn up or not.

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  • Photo Credit at the office image by Pix by Marti from Fotolia.com
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