Insurance Underwriter (13-2053.00)
Career Family
Business & Financial Operations → Risk Selection & Pricing
Fit Summary
Conventional–Investigative (CI) and ISTJ/INTJ profiles who enjoy analyzing risk data, applying guidelines, and making disciplined decisions with stakeholders.
Career Overview
Evaluate applications; analyze risk characteristics; price coverage; set terms/conditions; negotiate with brokers/agents; manage portfolio profitability.
Credential Pathways
Typical Education: Bachelor’s in business, finance, or related; actuarial or statistics helpful (Job Zone 4).
Pathways: Assistant underwriter → underwriter → senior/specialty → portfolio/manager; pursue CPCU/ARe designations.
Regulatory Moat: Regulatory compliance; insurer authority levels and guidelines; reinsurance treaties.
Alternative Pathways: Transition from claims, broking, or risk engineering; analytics or actuarial feeder paths.
Environment & Lifestyle
- Work Environment: Office or hybrid; collaboration with brokers, risk engineers, actuaries.
- Sensory/Social Load: Moderate—quoting cycles and renewal seasons drive pace.
- Physicality/Fieldwork: Low; desk‑based.
- Geographic Anchoring: Concentrated in insurance hubs and major metros; specialty markets nationwide.
- Remote Amenability: High—analysis and meetings work well remote.
Future-Proofing Snapshot
- AI Augmentation Potential: High — predictive models and third‑party data enrich pricing.
- AI Displacement Risk: Moderate — straight‑through processing for simple risks.
- AI New Task Creation: Some — portfolio analytics, model governance, new perils (cyber/climate).
- AI Skill Shift Intensity: Medium to High — data, coding‑lite tools, and model interpretability.
- Automation Risk Score: Medium — routine small policies.
- Human-Core Score: Strong — judgment, negotiation, and relationship management.
- Overall Vulnerability/Resilience: Resilient for complex/specialty lines; routine lines more automated.
- Emerging Trends: Usage‑based data, climate risk, cyber, AI‑assisted underwriting.
Risks / Watchpoints
- Model risk and data bias
- Market cycles and capacity constraints
- Regulatory changes impacting appetite and pricing
Notes on Fit
Excellent for disciplined analysts who like balancing data with guidelines and broker relationships.
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