Insurance Underwriters

Job Description: Review individual applications for insurance to evaluate degree of risk involved and determine acceptance of applications.

Insurance Underwriters spend a lot of their time Processing Information. They are naturally good at Written Comprehension, Oral Comprehension, Oral Expression, and Near Vision. Insurance Underwriters are typically characterized as being Conventional and Enterprising. They are usually very knowledgable about Customer and Personal Service, English Language, and Mathematics and are skilled at Active Listening and Judgment and Decision Making.

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Work Activities

Processing Information
  
Updating and Using Relevant Knowledge
  
Analyzing Data or Information
  
Making Decisions and Solving Problems
  
Establishing and Maintaining Interpersonal Relationships
  
Getting Information
  
Evaluating Information to Determine Compliance with Standards
  
Communicating with Supervisors, Peers, or Subordinates
  
Organizing, Planning, and Prioritizing Work
  
Documenting/Recording Information
  
Identifying Objects, Actions, and Events
  
Communicating with Persons Outside Organization
  
Training and Teaching Others
  
Thinking Creatively
  
Judging the Qualities of Things, Services, or People
  
Resolving Conflicts and Negotiating with Others
  
Interpreting the Meaning of Information for Others
  
Performing Administrative Activities
  
Provide Consultation and Advice to Others
  
Coaching and Developing Others
  
Interacting With Computers
  
Developing and Building Teams
  
Monitor Processes, Materials, or Surroundings
  
Coordinating the Work and Activities of Others
  
Monitoring and Controlling Resources
  
Selling or Influencing Others
  
Estimating the Quantifiable Characteristics of Products, Events, or Information
  
Scheduling Work and Activities
  
Guiding, Directing, and Motivating Subordinates
  
Developing Objectives and Strategies
  
Performing for or Working Directly with the Public
  
Staffing Organizational Units
  
Assisting and Caring for Others
  
Controlling Machines and Processes
  

Abilities

Written Comprehension
  
Oral Comprehension
  
Oral Expression
  
Near Vision
  
Written Expression
  
Inductive Reasoning
  
Deductive Reasoning
  
Problem Sensitivity
  
Category Flexibility
  
Information Ordering
  
Mathematical Reasoning
  
Speech Clarity
  
Speech Recognition
  
Fluency of Ideas
  
Number Facility
  
Selective Attention
  
Originality
  
Flexibility of Closure
  
Visualization
  
Far Vision
  
Perceptual Speed
  
Time Sharing
  
Finger Dexterity
  
Speed of Closure
  
Memorization
  
Visual Color Discrimination
  
Hearing Sensitivity
  
Control Precision
  
Arm-Hand Steadiness
  
Auditory Attention
  
Depth Perception
  
Manual Dexterity
  

Interests

Conventional
  
Enterprising
  
Investigative
  
Social
  
Realistic
  
Artistic
  

Knowledge

Customer and Personal Service
  
English Language
  
Mathematics
  
Medicine and Dentistry
  
Clerical
  
Education and Training
  
Administration and Management
  
Computers and Electronics
  
Psychology
  
Sales and Marketing
  
Economics and Accounting
  
Law and Government
  
Therapy and Counseling
  
Biology
  
Personnel and Human Resources
  
Geography
  
Production and Processing
  
Communications and Media
  
Sociology and Anthropology
  
Foreign Language
  
Telecommunications
  

Wages

Connecticut
$71,450  
 
New York
$70,670  
 
Utah
$68,880  
 
Massachusetts
$66,960  
 
New Jersey
$66,860  
 
Maine
$65,640  
 
South Dakota
$65,250  
 
Washington
$65,100  
 
California
$64,730  
 
Rhode Island
$64,300  
 
Maryland
$63,200  
 
District of Columbia
$63,030  
 
Oregon
$61,910  
 
New Mexico
$61,620  
 
Illinois
$61,590  
 
Indiana
$60,320  
 
Pennsylvania
$60,180  
 
Texas
$58,770  
 
New Hampshire
$58,730  
 
Minnesota
$58,470  
 
West Virginia
$58,090  
 
Missouri
$57,820  
 
Georgia
$57,590  
 
Alaska
$56,970  
 
Idaho
$56,660  
 
North Carolina
$56,600  
 
Wisconsin
$56,570  
 
Michigan
$56,510  
 
Ohio
$56,050  
 
Colorado
$55,820  
 
Iowa
$55,250  
 
Tennessee
$54,690  
 
Nevada
$54,330  
 
Nebraska
$53,700  
 
Virginia
$52,290  
 
Florida
$52,260  
 
Hawaii
$52,260  
 
Delaware
$51,660  
 
Mississippi
$51,230  
 
Kansas
$51,160  
 
Kentucky
$49,840  
 
North Dakota
$49,180  
 
Vermont
$48,890  
 
South Carolina
$46,950  
 
Oklahoma
$46,570  
 
Alabama
$45,980  
 
Arizona
$45,960  
 
Louisiana
$42,900  
 
Arkansas
$40,280  
 
Wyoming
$39,730  
 
Montana
$38,660  
 
Puerto Rico
$32,640  
 
Guam
$27,410  
 

Skills

Active Listening
  
Judgment and Decision Making
  
Writing
  
Critical Thinking
  
Reading Comprehension
  
Speaking
  
Service Orientation
  
Active Learning
  
Complex Problem Solving
  
Social Perceptiveness
  
Monitoring
  
Time Management
  
Systems Evaluation
  
Coordination
  
Mathematics
  
Instructing
  
Systems Analysis
  
Negotiation
  
Learning Strategies
  
Persuasion
  
Operations Analysis
  
Management of Personnel Resources
  
Management of Financial Resources
  
Operation Monitoring
  
Science
  
Management of Material Resources
  
Technology Design
  
Programming
  

Work Values

Relationships
  
Independence
  
Support
  
Achievement
  
Working Conditions
  
Recognition
  

Work Styles

Integrity
  
Attention to Detail
  
Dependability
  
Analytical Thinking
  
Self Control
  
Cooperation
  
Stress Tolerance
  
Adaptability/Flexibility
  
Achievement/Effort
  
Initiative
  
Persistence
  
Independence
  
Leadership
  
Concern for Others
  
Innovation
  
Social Orientation
  

Related University Degree Programs

Work Context

Telephone
  
Electronic Mail
  
Spend Time Sitting
  
Frequency of Decision Making
  
Freedom to Make Decisions
  
Letters and Memos
  
Impact of Decisions on Co-workers or Company Results
  
Importance of Being Exact or Accurate
  
Face-to-Face Discussions
  
Time Pressure
  
Structured versus Unstructured Work
  
Contact With Others
  
Indoors, Environmentally Controlled
  
Importance of Repeating Same Tasks
  
Deal With External Customers
  
Work With Work Group or Team
  
Spend Time Making Repetitive Motions
  
Deal With Unpleasant or Angry People
  
Frequency of Conflict Situations
  
Level of Competition
  
Degree of Automation
  
Consequence of Error
  
Spend Time Using Your Hands to Handle, Control, or Feel Objects, Tools, or Controls
  
Coordinate or Lead Others
  
Physical Proximity
  
Responsibility for Outcomes and Results
  
Duration of Typical Work Week
  
Public Speaking
  
Sounds, Noise Levels Are Distracting or Uncomfortable
  
Responsible for Others' Health and Safety
  
Spend Time Standing
  
Spend Time Walking and Running
  
In an Enclosed Vehicle or Equipment
  
Spend Time Bending or Twisting the Body
  
Deal With Physically Aggressive People
  
Work Schedules
  
Outdoors, Exposed to Weather
  
Exposed to Contaminants
  
Outdoors, Under Cover
  
Spend Time Kneeling, Crouching, Stooping, or Crawling
  
In an Open Vehicle or Equipment
  
Very Hot or Cold Temperatures
  
Pace Determined by Speed of Equipment
  
Exposed to Radiation
  
Exposed to Minor Burns, Cuts, Bites, or Stings
  
Wear Common Protective or Safety Equipment such as Safety Shoes, Glasses, Gloves, Hearing Protection, Hard Hats, or Life Jackets
  
Indoors, Not Environmentally Controlled
  
Cramped Work Space, Awkward Positions
  
Exposed to Hazardous Conditions
  
Spend Time Climbing Ladders, Scaffolds, or Poles
  
Extremely Bright or Inadequate Lighting
  
Exposed to Disease or Infections
  
Spend Time Keeping or Regaining Balance
  
Wear Specialized Protective or Safety Equipment such as Breathing Apparatus, Safety Harness, Full Protection Suits, or Radiation Protection
  
Exposed to Whole Body Vibration
  
Exposed to Hazardous Equipment
  
Exposed to High Places
  

-40 hours-

Duration of Typical Work Week
  

-A lot of freedom-

Freedom to Make Decisions
  
Structured versus Unstructured Work
  

-About half the time-

Spend Time Making Repetitive Motions
  
Spend Time Using Your Hands to Handle, Control, or Feel Objects, Tools, or Controls
  
Spend Time Standing
  
Spend Time Kneeling, Crouching, Stooping, or Crawling
  
Spend Time Climbing Ladders, Scaffolds, or Poles
  
Spend Time Bending or Twisting the Body
  
Spend Time Sitting
  
Spend Time Keeping or Regaining Balance
  
Spend Time Walking and Running
  

-Completely automated-

Degree of Automation
  

-Constant contact with others-

Contact With Others
  

-Contact with others about half the time-

Contact With Others
  

-Contact with others most of the time-

Contact With Others
  

-Continually or almost continually-

Spend Time Sitting
  
Spend Time Making Repetitive Motions
  
Spend Time Using Your Hands to Handle, Control, or Feel Objects, Tools, or Controls
  
Spend Time Keeping or Regaining Balance
  
Spend Time Walking and Running
  
Spend Time Standing
  
Spend Time Kneeling, Crouching, Stooping, or Crawling
  
Spend Time Climbing Ladders, Scaffolds, or Poles
  
Spend Time Bending or Twisting the Body
  

-Every day-

Telephone
  
Electronic Mail
  
Frequency of Decision Making
  
Letters and Memos
  
Indoors, Environmentally Controlled
  
Face-to-Face Discussions
  
Time Pressure
  
Frequency of Conflict Situations
  
Deal With Unpleasant or Angry People
  
Sounds, Noise Levels Are Distracting or Uncomfortable
  
In an Open Vehicle or Equipment
  
Extremely Bright or Inadequate Lighting
  
Exposed to Disease or Infections
  
Wear Specialized Protective or Safety Equipment such as Breathing Apparatus, Safety Harness, Full Protection Suits, or Radiation Protection
  
Outdoors, Exposed to Weather
  
Exposed to Whole Body Vibration
  
Exposed to Hazardous Equipment
  
In an Enclosed Vehicle or Equipment
  
Exposed to Contaminants
  
Exposed to High Places
  
Outdoors, Under Cover
  
Very Hot or Cold Temperatures
  
Exposed to Radiation
  
Public Speaking
  
Exposed to Minor Burns, Cuts, Bites, or Stings
  
Wear Common Protective or Safety Equipment such as Safety Shoes, Glasses, Gloves, Hearing Protection, Hard Hats, or Life Jackets
  
Indoors, Not Environmentally Controlled
  
Cramped Work Space, Awkward Positions
  
Exposed to Hazardous Conditions
  
Deal With Physically Aggressive People
  

-Extremely competitive-

Level of Competition
  

-Extremely important-

Importance of Being Exact or Accurate
  
Importance of Repeating Same Tasks
  
Work With Work Group or Team
  
Deal With External Customers
  
Coordinate or Lead Others
  
Pace Determined by Speed of Equipment
  

-Extremely serious-

Consequence of Error
  

-Fairly important-

Coordinate or Lead Others
  
Work With Work Group or Team
  
Deal With External Customers
  
Importance of Repeating Same Tasks
  
Pace Determined by Speed of Equipment
  
Importance of Being Exact or Accurate
  

-Fairly serious-

Consequence of Error
  

-High responsibility-

Responsibility for Outcomes and Results
  
Responsible for Others' Health and Safety
  

-Highly automated-

Degree of Automation
  

-Highly competitive-

Level of Competition
  

-I don't work near other people (beyond 100 ft.)-

Physical Proximity
  

-I work with others but not closely (e.g., private office)-

Physical Proximity
  

-Important-

Deal With External Customers
  
Coordinate or Lead Others
  
Work With Work Group or Team
  
Importance of Repeating Same Tasks
  
Importance of Being Exact or Accurate
  
Pace Determined by Speed of Equipment
  

-Important results-

Impact of Decisions on Co-workers or Company Results
  

-Irregular (changes with weather conditions, production demands, or contract duration)-

Work Schedules
  

-Less than 40 hours-

Duration of Typical Work Week
  

-Less than half the time-

Spend Time Standing
  
Spend Time Walking and Running
  
Spend Time Making Repetitive Motions
  
Spend Time Bending or Twisting the Body
  
Spend Time Kneeling, Crouching, Stooping, or Crawling
  
Spend Time Using Your Hands to Handle, Control, or Feel Objects, Tools, or Controls
  
Spend Time Climbing Ladders, Scaffolds, or Poles
  
Spend Time Sitting
  
Spend Time Keeping or Regaining Balance
  

-Limited freedom-

Structured versus Unstructured Work
  
Freedom to Make Decisions
  

-Limited responsibility-

Responsibility for Outcomes and Results
  
Responsible for Others' Health and Safety
  

-Minor results-

Impact of Decisions on Co-workers or Company Results
  

-Moderate responsibility-

Responsibility for Outcomes and Results
  
Responsible for Others' Health and Safety
  

-Moderate results-

Impact of Decisions on Co-workers or Company Results
  

-Moderately automated-

Degree of Automation
  

-Moderately close (at arm's length)-

Physical Proximity
  

-Moderately competitive-

Level of Competition
  

-More than 40 hours-

Duration of Typical Work Week
  

-More than half the time-

Spend Time Making Repetitive Motions
  
Spend Time Sitting
  
Spend Time Using Your Hands to Handle, Control, or Feel Objects, Tools, or Controls
  
Spend Time Kneeling, Crouching, Stooping, or Crawling
  
Spend Time Climbing Ladders, Scaffolds, or Poles
  
Spend Time Bending or Twisting the Body
  
Spend Time Keeping or Regaining Balance
  
Spend Time Walking and Running
  
Spend Time Standing
  

-Never-

Extremely Bright or Inadequate Lighting
  
Exposed to Disease or Infections
  
Spend Time Keeping or Regaining Balance
  
Wear Specialized Protective or Safety Equipment such as Breathing Apparatus, Safety Harness, Full Protection Suits, or Radiation Protection
  
Exposed to Whole Body Vibration
  
Exposed to Hazardous Equipment
  
Exposed to High Places
  
Exposed to Radiation
  
Exposed to Minor Burns, Cuts, Bites, or Stings
  
Wear Common Protective or Safety Equipment such as Safety Shoes, Glasses, Gloves, Hearing Protection, Hard Hats, or Life Jackets
  
Indoors, Not Environmentally Controlled
  
Cramped Work Space, Awkward Positions
  
Exposed to Hazardous Conditions
  
Spend Time Climbing Ladders, Scaffolds, or Poles
  
In an Open Vehicle or Equipment
  
Very Hot or Cold Temperatures
  
Spend Time Kneeling, Crouching, Stooping, or Crawling
  
Deal With Physically Aggressive People
  
Outdoors, Exposed to Weather
  
Exposed to Contaminants
  
Outdoors, Under Cover
  
Spend Time Bending or Twisting the Body
  
In an Enclosed Vehicle or Equipment
  
Spend Time Walking and Running
  
Sounds, Noise Levels Are Distracting or Uncomfortable
  
Spend Time Using Your Hands to Handle, Control, or Feel Objects, Tools, or Controls
  
Spend Time Standing
  
Indoors, Environmentally Controlled
  
Public Speaking
  
Frequency of Conflict Situations
  
Spend Time Making Repetitive Motions
  
Face-to-Face Discussions
  
Letters and Memos
  
Telephone
  
Spend Time Sitting
  
Time Pressure
  
Frequency of Decision Making
  
Electronic Mail
  
Deal With Unpleasant or Angry People
  

-No contact with others-

Contact With Others
  

-No freedom-

Structured versus Unstructured Work
  
Freedom to Make Decisions
  

-No responsibility-

Responsible for Others' Health and Safety
  
Responsibility for Outcomes and Results
  

-No results-

Impact of Decisions on Co-workers or Company Results
  

-Not at all automated-

Degree of Automation
  

-Not at all competitive-

Level of Competition
  

-Not important at all-

Pace Determined by Speed of Equipment
  
Coordinate or Lead Others
  
Importance of Repeating Same Tasks
  
Work With Work Group or Team
  
Deal With External Customers
  
Importance of Being Exact or Accurate
  

-Not serious at all-

Consequence of Error
  

-Occasional contact with others-

Contact With Others
  

-Once a month or more but not every week-

Deal With Unpleasant or Angry People
  
Frequency of Conflict Situations
  
Time Pressure
  
Sounds, Noise Levels Are Distracting or Uncomfortable
  
Public Speaking
  
Face-to-Face Discussions
  
Frequency of Decision Making
  
Letters and Memos
  
Indoors, Environmentally Controlled
  
In an Enclosed Vehicle or Equipment
  
Exposed to High Places
  
Electronic Mail
  
Outdoors, Under Cover
  
Very Hot or Cold Temperatures
  
Exposed to Radiation
  
Exposed to Minor Burns, Cuts, Bites, or Stings
  
Wear Common Protective or Safety Equipment such as Safety Shoes, Glasses, Gloves, Hearing Protection, Hard Hats, or Life Jackets
  
Indoors, Not Environmentally Controlled
  
Cramped Work Space, Awkward Positions
  
Exposed to Hazardous Conditions
  
Deal With Physically Aggressive People
  
In an Open Vehicle or Equipment
  
Extremely Bright or Inadequate Lighting
  
Exposed to Disease or Infections
  
Telephone
  
Wear Specialized Protective or Safety Equipment such as Breathing Apparatus, Safety Harness, Full Protection Suits, or Radiation Protection
  
Outdoors, Exposed to Weather
  
Exposed to Whole Body Vibration
  
Exposed to Hazardous Equipment
  
Exposed to Contaminants
  

-Once a week or more but not every day-

Deal With Unpleasant or Angry People
  
Frequency of Conflict Situations
  
Time Pressure
  
Face-to-Face Discussions
  
Letters and Memos
  
Sounds, Noise Levels Are Distracting or Uncomfortable
  
Frequency of Decision Making
  
Deal With Physically Aggressive People
  
In an Enclosed Vehicle or Equipment
  
Public Speaking
  
Wear Common Protective or Safety Equipment such as Safety Shoes, Glasses, Gloves, Hearing Protection, Hard Hats, or Life Jackets
  
Indoors, Not Environmentally Controlled
  
Cramped Work Space, Awkward Positions
  
Exposed to Hazardous Conditions
  
In an Open Vehicle or Equipment
  
Extremely Bright or Inadequate Lighting
  
Exposed to Disease or Infections
  
Telephone
  
Wear Specialized Protective or Safety Equipment such as Breathing Apparatus, Safety Harness, Full Protection Suits, or Radiation Protection
  
Outdoors, Exposed to Weather
  
Exposed to Whole Body Vibration
  
Exposed to Hazardous Equipment
  
Indoors, Environmentally Controlled
  
Exposed to Contaminants
  
Exposed to High Places
  
Electronic Mail
  
Outdoors, Under Cover
  
Very Hot or Cold Temperatures
  
Exposed to Radiation
  
Exposed to Minor Burns, Cuts, Bites, or Stings
  

-Once a year or more but not every month-

Public Speaking
  
Deal With Unpleasant or Angry People
  
Sounds, Noise Levels Are Distracting or Uncomfortable
  
Frequency of Conflict Situations
  
In an Enclosed Vehicle or Equipment
  
Outdoors, Exposed to Weather
  
Time Pressure
  
Face-to-Face Discussions
  
Exposed to Contaminants
  
Outdoors, Under Cover
  
Very Hot or Cold Temperatures
  
Deal With Physically Aggressive People
  
In an Open Vehicle or Equipment
  
Exposed to Whole Body Vibration
  
Exposed to Hazardous Equipment
  
Frequency of Decision Making
  
Indoors, Environmentally Controlled
  
Exposed to High Places
  
Electronic Mail
  
Exposed to Radiation
  
Exposed to Minor Burns, Cuts, Bites, or Stings
  
Wear Common Protective or Safety Equipment such as Safety Shoes, Glasses, Gloves, Hearing Protection, Hard Hats, or Life Jackets
  
Indoors, Not Environmentally Controlled
  
Cramped Work Space, Awkward Positions
  
Exposed to Hazardous Conditions
  
Letters and Memos
  
Extremely Bright or Inadequate Lighting
  
Exposed to Disease or Infections
  
Telephone
  
Wear Specialized Protective or Safety Equipment such as Breathing Apparatus, Safety Harness, Full Protection Suits, or Radiation Protection
  

-Regular (established routine, set schedule)-

Work Schedules
  

-Seasonal (only during certain times of the year)-

Work Schedules
  

-Serious-

Consequence of Error
  

-Slightly automated-

Degree of Automation
  

-Slightly close (e.g., shared office)-

Physical Proximity
  

-Slightly competitive-

Level of Competition
  

-Some freedom-

Structured versus Unstructured Work
  
Freedom to Make Decisions
  

-Very close (near touching)-

Physical Proximity
  

-Very high responsibility-

Responsibility for Outcomes and Results
  
Responsible for Others' Health and Safety
  

-Very important-

Importance of Being Exact or Accurate
  
Deal With External Customers
  
Importance of Repeating Same Tasks
  
Work With Work Group or Team
  
Coordinate or Lead Others
  
Pace Determined by Speed of Equipment
  

-Very important results-

Impact of Decisions on Co-workers or Company Results
  

-Very little freedom-

Structured versus Unstructured Work
  
Freedom to Make Decisions
  

-Very serious-

Consequence of Error
  

Task Ratings

Education Training Experience

-On-Site or In-Plant Training-

None
  
Up to and including 1 month
  
Over 1 month, up to and including 3 months
  
Over 3 months, up to and including 6 months
  
Over 6 months, up to and including 1 year
  
Over 1 year, up to and including 2 years
  
Over 2 years, up to and including 4 years
  

-On-the-Job Training-

Over 1 month, up to and including 3 months
  
Over 3 months, up to and including 6 months
  
Over 6 months, up to and including 1 year
  
Over 1 year, up to and including 2 years
  
Over 2 years, up to and including 4 years
  
Over 4 years, up to and including 10 years
  

-Related Work Experience-

None
  
Over 6 months, up to and including 1 year
  
Over 1 year, up to and including 2 years
  
Over 2 years, up to and including 4 years
  
Over 4 years, up to and including 6 years
  
Over 8 years, up to and including 10 years
  

-Required Level of Education-

High School Diploma (or GED or High School Equivalence Certificate)
  
Associate's Degree (or other 2-year degree)
  
Bachelor's Degree
  
Post-Baccalaureate Certificate - awarded for completion of an organized program of study; designed for people who have completed a Baccalaureate degree, but do not meet the requirements of academic degrees carrying the title of Master