Shigoto Zukan
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How to become insurance underwriterseducation, training, experience and the steps to enter

United States Finance Confidence ★★★★★

Median annual pay
$81,370
25th–75th pct. $64,620–$110,390
Top pay (est.)
$188,700
Top 10% $145,160
Pay in 5 years
$88,600est.
2031
Pay in 10 years
$96,400est.
$82,900–$111,900
Outlook score
32/100
★★☆☆☆ Below average
AI replacement risk
80%
High
Job growth (10 yr)
−3.8%
6,800 openings / yr

How to become insurance underwriters

Typical education
Bachelor's degree
BLS
Related experience
None
On-the-job training
Moderate-term on-the-job training

A step-by-step guide for this occupation is being prepared. The education, training and experience data above show the typical path.

Skills, education and requirements for Insurance Underwriters

Key skills

Active Listening
4.0
Critical Thinking
3.9
Reading Comprehension
3.8
Writing
3.8
Speaking
3.6
Judgment and Decision Making
3.5
Active Learning
3.4
Complex Problem Solving
3.1

O*NET skill level ratings (0–7).

Key knowledge areas

Customer and Personal Service
4.7
Mathematics
4.0
English Language
3.9
Sales and Marketing
3.8
Administrative
3.6
Computers and Electronics
3.2
Law and Government
2.9
Administration and Management
2.8

What the work involves

Establishing and Maintaining Interpersonal RelationshipsAnalyzing Data or InformationGetting InformationProcessing InformationMaking Decisions and Solving ProblemsOrganizing, Planning, and Prioritizing WorkUpdating and Using Relevant KnowledgeCommunicating with Supervisors, Peers, or Subordinates

Important abilities

Written ComprehensionOral ExpressionOral ComprehensionWritten ExpressionInductive ReasoningDeductive Reasoning

Education of workers

Bachelor's degree
70%
Associate's degree
10%
High school diploma
10%
Some college
7%
Post-bachelor's certificate
3%

Training before entry

6–12 months
30%
None / short demo
27%
3–6 months
23%
1–2 years
10%
1–3 months
7%
Up to 1 month
3%

Related work experience

None
40%
2–4 years
27%
1–2 years
20%
4–6 years
10%
6–8 years
3%

Job Zone 4 — considerable preparation needed (O*NET)

Difficulty of entry: ★★★☆☆ Moderate (from education, training, experience and Job Zone)

Career path and how to earn more as insurance underwriters

Career-path guidance is being prepared. Pay by percentile is shown in the Pay section.

Pay and employment figures are national statistics. Projected pay, outlook scores and AI replacement risk are estimates from the Shigoto Zukan model, not guarantees. To request a correction, use the contact form. How to read the data
Sources: BLS OEWS May 2025; BLS Employment Projections 2025–35; O*NET 31.0 Database by USDOL/ETA (CC BY 4.0), modified by Shigoto Zukan. Pay ranges, projections and scores are Shigoto Zukan estimates.