Job Title: 


Alternate Titles: 

Account handler (insurance),Commercial underwriter,Insurance inspector,Mortgage underwriter,Underwriter

Job Description: 

Insurance underwriters identify and measure the risks associated with an activity, determine whether this risk is insurable and issue insurance polices which provide financial compensation in the event of loss.


There are no formal academic requirements, although many employers expect entrants to study for and attain the associateship examinations of the Chartered Insurance Institute. Entrants to professional examinations usually require GCSEs/S grades and A levels/H grades, an Advanced GNVQ/GSVQ Level III, or a BTEC/SQA award.
Refer The S/NVQ framework for more details


The simplified NS-SEC analytic class for this code is 1.2
The simplified NS-SEC operational category for this code is 3.2
Refer The National Statistics Socio-economic Classification for more details


  • receives and assesses proposals and propositions for insurance from brokers and clients;
  • identifies and evaluates the risks associated with a proposal;
  • liaises with insurance surveyors, actuaries and risk managers where the risks associated with a proposal are not clear;
  • calculates premiums, provides quotations and, if acceptable to the client, issues policies;
  • ensures that the insurance policy clearly defines the liabilities accepted and any exceptions or exclusions;
  • negotiates terms of reinsurance contracts.
International Careers(ISCO):