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Insurance underwriter

Insurance underwriters work out the risk for insuring a particular person or company.
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What does an insurance underwriter do?

To underwrite insurance means to accept financial responsibility for clients’ potential losses. Underwriters decide whether to accept an insurance application, and what the terms, conditions and cost of the insurance policy would be.


What do I need to do to become an insurance underwriter?

To work in this role, you need to be a confident communicator, with good negotiation skills. You also need to be able to analyse complex information.

Most underwriters come into the role by either working their way up from a junior position or completing a graduate training programme in underwriting.

A lot of insurers employ underwriting assistants to work in their call centres, dealing with immediate quotations and straightforward insurance cover. You may be able to join an underwriting team in one of these roles and then work your way up. Companies set their own entry requirements, but it will help your chances of finding work if you have GCSEs in English and maths and some A levels.


Related skills

  • Attention to detail
  • Communication
  • IT
  • Numeracy
  • Problem solving

Academic route

  • GCSEs in English and maths and some A levels.

Vocational route

A level 2 apprenticeship or level 3 advanced apprenticeship in providing financial services.

Where to find out more


Where could I be working?

As an underwriter, you might work for general, health or life assurance insurers; for reinsurance companies as a broker for the London markets; as a managing agent for Lloyd’s; or as an in-house underwriter for banks or credit agencies.


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