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What You'll Do: The job entails: reviewing insurance applications to check for accuracy, analyzing the risk of insuring customers based on the information they have provided, meeting with some customers for further screening and interviewing, utilizing computer software to assess eligibility for coverage and other details, performing additional research on customers if more information is needed to make a decision, and making the decision on whether to approve or reject an insurance application. Since most underwriters specialize in a broad area of insurance such as health or mortgage, specific duties may vary.

You'll probably work in an office environment that is well-lit and comfortable. Insurance carriers are the largest employers of underwriters, but you could also be employed with the government or other financial institutions. Full-time work is most common, and overtime is likely during busy times.

Education and Training: Most insurance underwriters have a bachelor's degree in a business-related field such as: finance, economics, accounting, business administration, or mathematics. While a four-year degree isn't mandatory everywhere, having one is highly recommended. Only those who have several years of insurance work experience will be able to find a job without formal schooling.

Certification is also recommended by most employers and required by some. Becoming certified usually involves taking a number of courses that can last up to two years. At the end of the coursework is a standardized exam that you must pass to be certified. The Insurance Institute of America, The American College, and the American Institute for Chartered Property Casualty Underwriters all provide training and certification.

The Future: The insurance underwriting profession is expected to grow at about 6% through 2020, which is slower than the average for all occupations. Given that, expect competition to be quite keen for available positions. 

The Pay: Annual salaries for Insurance Underwriters in the U.S. range from $36,700 to $102,500, with the average median annual wage hitting $60,800 in 2011 as per the U.S. Bureau of Labor Statistics.

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