Occupation AtlasInsurance Underwriters
O*NET · 13-2053.00
Insurance Underwriters
Review individual applications for insurance to evaluate degree of risk involved and determine acceptance of applications.
31 more
Commercial Underwriter · Credit Underwriter · DE Underwriter · Direct Endorsement Underwriter (DE Underwriter) · Excess Casualty Underwriter · Field Underwriter · Group Underwriting Consultant · Health Underwriter · Inland Marine Underwriter · Insurance Analyst · Insurance Underwriter · Insurance Writer · Life Underwriter · Management Liability Underwriter · Marine Underwriter · Middle Market Underwriter · Personal Lines Underwriter · Production Underwriter · Professional Liability Underwriter · Property Underwriter · Stop Loss Underwriter · Surety Underwriter · Underwriter · Underwriting Account Representative · Underwriting Analyst · Underwriting Associate · Underwriting Consultant · Underwriting Executive · Underwriting Service Representative · Underwriting Specialist · Wholesale Underwriter
Job Zone
- 1
- 2
- 3
- 4
- 5
Zone 4: Considerable Preparation Needed
Considerable preparation. Usually a bachelor's degree plus several years of work-related experience, knowledge, or training.
Job Zone is O*NET's rating of how much education, experience and training an occupation typically needs — a property of the work, not of anyone doing it.
Occupational interest profile
CEIConventional · Enterprising · Investigative — the three strongest interests, in order
- C Conventional6.16
- E Enterprising4.50
- I Investigative3.64
- S Social2.84
- R Realistic1.72
- A Artistic1.00
RIASEC (Holland) interests on O*NET's 0–7 scale: what the work draws on, not what any individual prefers. Hover a row for what each dimension means.
Education and experience
The education level respondents say the job requires, and the most common answer for experience and training.
- Related work experience
- None (40%)
- On-site or in-plant training
- Over 6 months, up to and including 1 year (30%)
- On-the-job training
- Over 3 months, up to and including 6 months (37%)
Typically associated skills
All 35 O*NET skills, most important first. Importance (1–5) says how much a skill matters here; level (0–7) says how much of it the work calls for, with O*NET's example of a nearby level. Neither is a proficiency rating of a person.
- Active ListeningbasicImportance 3.8Level 4.0Level 4 looks like: Answer inquiries regarding credit references
- Critical ThinkingbasicImportance 3.8Level 3.9Level 4 looks like: Evaluate customer complaints and determine appropriate responses
- Reading ComprehensionbasicImportance 3.8Level 3.8Level 4 looks like: Understand an email from management describing new personnel policies
- WritingbasicImportance 3.8Level 3.8Level 4 looks like: Write an email to staff outlining new directives
- SpeakingbasicImportance 3.6Level 3.6Level 4 looks like: Interview applicants to obtain personal and work history
- Judgment and Decision MakingImportance 3.5Level 3.5Level 4 looks like: Evaluate a loan application for degree of risk
- Active LearningbasicImportance 3.1Level 3.4Level 4 looks like: Determine the impact of new menu changes on a restaurant's purchasing requirements
- Complex Problem SolvingImportance 3.1Level 3.1Level 4 looks like: Redesign a floor layout to take advantage of new manufacturing techniques
- MonitoringbasicImportance 3.0Level 3.0Level 2 looks like: Proofread and correct a letter
- Service OrientationImportance 3.0Level 3.0Level 2 looks like: Ask customers if they would like a cup of coffee
- Social PerceptivenessImportance 3.0Level 3.0Level 2 looks like: Notice that customers are angry because they have been waiting too long
- CoordinationImportance 3.0Level 2.9Level 2 looks like: Schedule appointments for a medical clinic
Show the other 23
- MathematicsbasicImportance 2.9Level 2.9Level 2 looks like: Count the amount of change to be given to a customer
- Time ManagementImportance 2.9Level 2.9Level 2 looks like: Keep a monthly calendar of appointments
- PersuasionImportance 2.9Level 2.8Level 2 looks like: Solicit donations for a charity
- Learning StrategiesbasicImportance 2.8Level 3.0Level 2 looks like: Learn a different method of completing a task from a coworker
- Systems AnalysisImportance 2.8Level 3.0Level 2 looks like: Determine how loss of a team member will affect the completion of a job
- Systems EvaluationImportance 2.8Level 3.0Level 2 looks like: Determine why estimates for the time to complete a task are overly optimistic
- NegotiationImportance 2.8Level 2.9Level 2 looks like: Present justification to a manager for altering a work schedule
- InstructingImportance 2.8Level 2.6Level 2 looks like: Instruct a new employee in the use of a timekeeping system
- Management of Personnel ResourcesImportance 2.4Level 2.3Level 2 looks like: Encourage a coworker who is having difficulty finishing a project
- Management of Financial ResourcesImportance 2.0Level 1.1Level 2 looks like: Use available funds to buy office supplies and record the amount of the purchase
- Management of Material ResourcesImportance 2.0Level 1.0Level 2 looks like: Reserve a room for a management meeting
- Operations AnalysisImportance 1.9Level 1.8Level 2 looks like: Select a printer for an office
- Operations MonitoringImportance 1.9Level 0.9
- Technology DesignImportance 1.6Level 0.6
- ProgrammingImportance 1.5Level 0.8
- SciencebasicImportance 1.4Level 0.4
- Quality Control AnalysisImportance 1.1Level —
- Equipment MaintenanceImportance 1.0Level —
- Equipment SelectionImportance 1.0Level —
- InstallationImportance 1.0Level —
- Operation and ControlImportance 1.0Level —
- RepairingImportance 1.0Level —
- TroubleshootingImportance 1.0Level —
Tasks
7 coreWhat people in this occupation do, as O*NET records it, core tasks first by importance (1–5).
- Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.Importance 4.5
- Decline excessive risks.Importance 4.4
- Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies.Importance 4.3
- Evaluate possibility of losses due to catastrophe or excessive insurance.Importance 4.2
- Decrease value of policy when risk is substandard and specify applicable endorsements or apply rating to ensure safe, profitable distribution of risks, using reference materials.Importance 4.0
- Review company records to determine amount of insurance in force on single risk or group of closely related risks.Importance 4.0
- Authorize reinsurance of policy when risk is high.Importance 3.9
Knowledge
Bodies of knowledge the work draws on.
- English LanguageImportance 4.0Level 3.9Level 4 looks like: Edit an article for a news website
- Customer and Personal ServiceImportance 3.9Level 4.7Level 4 looks like: Be responsible for 10 children at daycare
- MathematicsImportance 3.3Level 4.0Level 4 looks like: Analyze data to determine areas with the highest sales
- Sales and MarketingImportance 3.2Level 3.8Level 4 looks like: Introduce clients to a new line of products
- AdministrativeImportance 2.9Level 3.6Level 4 looks like: Type 30 words per minute
- Computers and ElectronicsImportance 2.7Level 3.2Level 4 looks like: Use a computer to format a document
- Economics and AccountingImportance 2.7Level 2.7
- Law and GovernmentImportance 2.7Level 2.9
Show all 33
- Administration and ManagementImportance 2.4Level 2.8
- PsychologyImportance 2.2Level 2.1Level 1 looks like: Monitor several children on a playground
- Communications and MediaImportance 2.1Level 2.3Level 1 looks like: Write a thank you note
- GeographyImportance 2.0Level 2.3Level 1 looks like: Know the capital of the United States
- Production and ProcessingImportance 2.0Level 1.8Level 1 looks like: Put a computer back into its packing materials
- Public Safety and SecurityImportance 2.0Level 1.9Level 1 looks like: Use a seatbelt
- Education and TrainingImportance 1.9Level 2.1Level 1 looks like: Show someone how to bowl
- Medicine and DentistryImportance 1.8Level 1.3Level 1 looks like: Use a band-aid
- Personnel and Human ResourcesImportance 1.8Level 1.7Level 1 looks like: Fill out a medical claim form
- TelecommunicationsImportance 1.8Level 0.7Level 1 looks like: Send an email
- Building and ConstructionImportance 1.7Level 1.1Level 1 looks like: Choose the proper type of wood for adding a deck onto a house
- BiologyImportance 1.6Level —
- Sociology and AnthropologyImportance 1.5Level 0.9Level 1 looks like: Identify two cultures in a story as being different
- TransportationImportance 1.5Level 1.0Level 1 looks like: Ride a train to work
- ChemistryImportance 1.3Level 0.7Level 1 looks like: Use a common household bug spray
- Engineering and TechnologyImportance 1.3Level 0.7Level 1 looks like: Install a door lock
- Foreign LanguageImportance 1.3Level —
- MechanicalImportance 1.3Level 0.6Level 1 looks like: Replace the filters in a furnace
- Therapy and CounselingImportance 1.3Level —
- DesignImportance 1.2Level —
- History and ArcheologyImportance 1.2Level —
- Philosophy and TheologyImportance 1.2Level —
- PhysicsImportance 1.2Level —
- Fine ArtsImportance 1.1Level —
- Food ProductionImportance 1.1Level —
Abilities
Enduring capacities the work calls for.
- Written ComprehensionImportance 3.9Level 4.3Level 4 looks like: Understand an apartment lease
- Inductive ReasoningImportance 3.8Level 3.9Level 4 looks like: Determine the prime suspect based on crime scene evidence
- Written ExpressionImportance 3.8Level 3.9Level 4 looks like: Write a job recommendation for a subordinate
- Oral ExpressionImportance 3.6Level 3.9Level 4 looks like: Give instructions to a lost motorist
- Deductive ReasoningImportance 3.5Level 3.8
- Oral ComprehensionImportance 3.5Level 3.9Level 4 looks like: Understand a coach's oral instructions for a sport
- Problem SensitivityImportance 3.4Level 3.8Level 4 looks like: Notice from a subtle difference in a client's mood that something is bothering them
- Speech ClarityImportance 3.4Level 3.1Level 4 looks like: Make stadium-wide announcements during a sporting event
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- Category FlexibilityImportance 3.3Level 3.3Level 3 looks like: Classify flowers according to size, color, and smell
- Near VisionImportance 3.3Level 3.6
- Speech RecognitionImportance 3.3Level 3.3Level 4 looks like: Identify a former customer's voice over the phone
- Information OrderingImportance 3.1Level 3.4Level 2 looks like: Follow the correct steps to make change
- Flexibility of ClosureImportance 3.0Level 3.0Level 2 looks like: Detect that your phone is ringing while at a concert
- Fluency of IdeasImportance 2.9Level 2.8Level 2 looks like: Name four different uses for a screwdriver
- Mathematical ReasoningImportance 2.9Level 2.9
- OriginalityImportance 2.9Level 2.8Level 2 looks like: Use a credit card to open a locked door
- Selective AttentionImportance 2.9Level 2.8Level 2 looks like: Answer a business call with coworkers talking nearby
- Number FacilityImportance 2.8Level 2.8Level 3 looks like: Calculate a discounted price
- Perceptual SpeedImportance 2.5Level 2.3Level 2 looks like: Sort mail according to ZIP codes with no time pressure
- Far VisionImportance 2.4Level 2.3Level 2 looks like: Read a roadside billboard
- Time SharingImportance 2.4Level 2.0Level 2 looks like: Listen to music while entering numbers into a spreadsheet
- Speed of ClosureImportance 2.3Level 2.0Level 3 looks like: Recognize a song after hearing only the first few notes
- MemorizationImportance 2.1Level 1.9Level 1 looks like: Remember the number on your bus to be sure you get back on the right one
- Visual Color DiscriminationImportance 2.0Level 1.8Level 1 looks like: Separate laundry into colors and whites
- VisualizationImportance 2.0Level 2.1Level 2 looks like: Imagine how to place paper in a printer so that the letterhead comes out on top
- Finger DexterityImportance 1.9Level 1.6Level 2 looks like: Put coins in a parking meter
- Arm-Hand SteadinessImportance 1.8Level 0.8
- Auditory AttentionImportance 1.8Level 0.9
- Control PrecisionImportance 1.8Level 0.9
- Depth PerceptionImportance 1.8Level 0.9
- Hearing SensitivityImportance 1.8Level 1.0Level 2 looks like: Notice a doorbell ringing
- Manual DexterityImportance 1.8Level 0.8Level 1 looks like: Screw a light bulb into a light socket
- Trunk StrengthImportance 1.4Level 0.6
- Dynamic StrengthImportance 1.3Level —
- Wrist-Finger SpeedImportance 1.3Level —
- Dynamic FlexibilityImportance 1.0Level —
- Explosive StrengthImportance 1.0Level —
- Extent FlexibilityImportance 1.0Level —
- Glare SensitivityImportance 1.0Level —
- Gross Body CoordinationImportance 1.0Level —
- Gross Body EquilibriumImportance 1.0Level —
- Multilimb CoordinationImportance 1.0Level —
- Night VisionImportance 1.0Level —
- Peripheral VisionImportance 1.0Level —
- Rate ControlImportance 1.0Level —
- Reaction TimeImportance 1.0Level —
- Response OrientationImportance 1.0Level —
- Sound LocalizationImportance 1.0Level —
- Spatial OrientationImportance 1.0Level —
- Speed of Limb MovementImportance 1.0Level —
- StaminaImportance 1.0Level —
- Static StrengthImportance 1.0Level —
Work activities
Kinds of activity the work is made of.
- Getting InformationImportance 4.8Level 4.8Level 4 looks like: Review a budget
- Making Decisions and Solving ProblemsImportance 4.6Level 4.7Level 4 looks like: Select the location for a major retail store
- Analyzing Data or InformationImportance 4.4Level 4.8Level 4 looks like: Determine the interest cost to finance a new building
- Working with ComputersImportance 4.4Level 2.9
- Establishing and Maintaining Interpersonal RelationshipsImportance 4.3Level 4.9Level 4 looks like: Maintain good working relationships with almost all coworkers and clients
- Communicating with People Outside the OrganizationImportance 4.1Level 4.1Level 4 looks like: Present information to potential clients about available services
- Processing InformationImportance 4.1Level 4.7Level 4 looks like: Calculate the adjustments for insurance claims
- Communicating with Supervisors, Peers, or SubordinatesImportance 4.0Level 4.4Level 4 looks like: Report the results of a sales meeting to a supervisor
Show all 41
- Organizing, Planning, and Prioritizing WorkImportance 4.0Level 4.7Level 4 looks like: Plan and adjust a personal to-do list according to changing demands
- Evaluating Information to Determine Compliance with StandardsImportance 3.9Level 4.2Level 4 looks like: Evaluate a complicated insurance claim for compliance with policy terms
- Documenting/Recording InformationImportance 3.8Level 3.8Level 4 looks like: Document the results of a crime scene investigation
- Identifying Objects, Actions, and EventsImportance 3.8Level 4.1Level 4 looks like: Judge the suitability of food products for an event
- Updating and Using Relevant KnowledgeImportance 3.8Level 4.5Level 4 looks like: Keep current on changes in maintenance procedures for repairing sports cars
- Resolving Conflicts and Negotiating with OthersImportance 3.7Level 4.1Level 4 looks like: Get two subordinates to agree about vacation schedules
- Interpreting the Meaning of Information for OthersImportance 3.5Level 3.3Level 4 looks like: Interpret how foreign tax laws apply to U.S. exports
- Judging the Qualities of Objects, Services, or PeopleImportance 3.3Level 3.9Level 4 looks like: Determine the value of property lost in a fire
- Performing Administrative ActivitiesImportance 3.3Level 3.3Level 4 looks like: Complete tax forms for a small business
- Selling or Influencing OthersImportance 3.3Level 3.6Level 4 looks like: Make a sales pitch to convince others to buy a product
- Monitoring Processes, Materials, or SurroundingsImportance 3.0Level 3.1Level 4 looks like: Test electrical circuits
- Thinking CreativelyImportance 3.0Level 3.2Level 4 looks like: Adapt popular music for a high school marching band
- Developing and Building TeamsImportance 2.9Level 2.8
- Providing Consultation and Advice to OthersImportance 2.8Level 3.0Level 4 looks like: Recommend a new software package to increase operational efficiency
- Training and Teaching OthersImportance 2.8Level 3.0Level 4 looks like: Teach a social sciences course to high school students
- Estimating the Quantifiable Characteristics of Products, Events, or InformationImportance 2.7Level 2.3Level 1 looks like: Estimate the size of household furniture to be shipped
- Coaching and Developing OthersImportance 2.6Level 3.2Level 4 looks like: Provide on-the-job training for administrative workers
- Developing Objectives and StrategiesImportance 2.6Level 2.4Level 1 looks like: Plan the holiday schedule for an airline workforce
- Coordinating the Work and Activities of OthersImportance 2.5Level 2.6
- Guiding, Directing, and Motivating SubordinatesImportance 2.4Level 2.3Level 1 looks like: Work occasionally as a backup supervisor
- Scheduling Work and ActivitiesImportance 2.4Level 2.5Level 1 looks like: Make appointments for patients using a predetermined schedule
- Performing for or Working Directly with the PublicImportance 2.3Level 2.0Level 1 looks like: Check tickets at a concert
- Monitoring and Controlling ResourcesImportance 2.0Level 1.9Level 1 looks like: Work as a server responsible for keeping track of utensils
- Assisting and Caring for OthersImportance 1.8Level 1.2Level 1 looks like: Help a coworker complete an assignment
- Staffing Organizational UnitsImportance 1.8Level 1.6Level 1 looks like: Work in a position that has minimal staffing requirements
- Handling and Moving ObjectsImportance 1.5Level 0.9Level 1 looks like: Change settings on copy machines
- Inspecting Equipment, Structures, or MaterialsImportance 1.5Level —
- Operating Vehicles, Mechanized Devices, or EquipmentImportance 1.4Level 0.6Level 1 looks like: Drive a car
- Performing General Physical ActivitiesImportance 1.4Level 0.6Level 1 looks like: Walk between workstations in a small office
- Controlling Machines and ProcessesImportance 1.3Level —
- Repairing and Maintaining Electronic EquipmentImportance 1.1Level —
- Drafting, Laying Out, and Specifying Technical Devices, Parts, and EquipmentImportance 1.0Level —
- Repairing and Maintaining Mechanical EquipmentImportance 1.0Level —
Work context
The conditions most characteristic of the work, on O*NET's 1–5 context scale.
Technology
27 toolsSoftware used in this work. In demand: among the tools job postings for this occupation name most. Hot: often named in job postings across the economy.
In demand (4)
- Microsoft Excelhot
- Microsoft Office softwarehot
- Microsoft Outlookhot
- Microsoft PowerPointhot
Hot (4; 4 more marked hot above)
- C++
- Microsoft Access
- Microsoft Windows
- Microsoft Word
Other tools (19)
- Anodas Software Limited Phoenix
- Consilience Software Maven Insurance Automation Suite
- CSC nbAccelerator
- Database software
- Delphi Technology
- Fair Isaac Enterprise Decision Management for Insurance
- Fannie Mae Desktop Underwriter
- Fiserv Advanced Underwriting
- IBM FileNet Content Manager
- LabOne NET
- LexisNexis
- NIIT Technologies WinRisk
- QualCorp FormsPlus
- RGA AURA
- RGA Facultative Application Console
- SIS SEMCI PARTNER
- Skywire Software InsBridge
- Valen Technologies Risk Manager
- Web browser software
Related occupations
O*NET's own list of the occupations most related to this one, closest first.
ESCO equivalents
From the official ESCO–O*NET crosswalk, strongest match first. A broader occupation takes in this one; a narrower one is a part of it.
Closest occupations
Compare any occupation →Other O*NET occupations whose importance ratings on the 35 skills both rate are nearest to this one's, with the biggest differences named. A plain rule, not a hidden score.
Customs Brokers
Average difference 0.2 points · Operations Analysis −0.6, Complex Problem Solving +0.5
O*NET · Zone 3 · Compare
Loan Officers
Average difference 0.2 points · Systems Evaluation −0.5, Judgment and Decision Making +0.4
O*NET · Zone 4 · Compare
Compensation, Benefits, and Job Analysis Specialists
Average difference 0.2 points · Operations Analysis +0.6, Management of Personnel Resources +0.5
O*NET · Zone 4 · Compare
Accountants and Auditors
Average difference 0.2 points · Management of Financial Resources +0.9, Mathematics +0.5
O*NET · Zone 4 · Compare
Brokerage Clerks
Average difference 0.2 points · Writing −0.7, Technology Design −0.6
O*NET · Zone 3 · Compare
Tax Examiners and Collectors, and Revenue Agents
Average difference 0.2 points · Quality Control Analysis +0.9, Writing −0.5
O*NET · Zone 3 · Compare
Archivists
Average difference 0.2 points · Quality Control Analysis +1.0, Mathematics −0.9
O*NET · Zone 5 · Compare
Intelligence Analysts
Average difference 0.2 points · Active Learning +0.5, Complex Problem Solving +0.5
O*NET · Zone 4 · Compare
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This page includes information from the O*NET 31.0 Database by the U.S. Department of Labor, Employment and Training Administration (USDOL/ETA), used under the CC BY 4.0 license; O*NET® is a trademark of USDOL/ETA. ESCO occupations and skills are from the European Commission's ESCO classification, and the occupation crosswalk is the official ESCO–O*NET mapping by the ESCO Secretariat with USDOL/ETA. This service uses the ESCO classification of the European Commission. BlissPoint Analytics has modified all or some of this information: skill, task and descriptor ratings are rounded to one decimal, and ESCO occupations show Job Zone and interests copied from a crosswalked O*NET occupation. USDOL/ETA has not approved, endorsed, or tested these modifications.