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User: New User

Date: 08/14/2025

Insurance Underwriters

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

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  • Work Activities
  • Skills
  • WorkKeys®
  • Abilities
  • Knowledge
  • Career Video
  • Pay
  • Ohio Employment Trends
  • Typical Education
  • Personality
  • Tools
  • Technology
  • Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.
  • Decrease value of policy when risk is substandard and specify applicable endorsements or apply rating to ensure safe, profitable distribution of risks, using reference materials.
  • Evaluate possibility of losses due to catastrophe or excessive insurance.
  • Authorize reinsurance of policy when risk is high.
  • Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies.
  • Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.
  • Decline excessive risks.
  • Review company records to determine amount of insurance in force on single risk or group of closely related risks.

Work Activities

Work Activities

  • Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.
  • Decrease value of policy when risk is substandard and specify applicable endorsements or apply rating to ensure safe, profitable distribution of risks, using reference materials.
  • Evaluate possibility of losses due to catastrophe or excessive insurance.
  • Authorize reinsurance of policy when risk is high.
  • Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies.
  • Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.
  • Decline excessive risks.
  • Review company records to determine amount of insurance in force on single risk or group of closely related risks.

Skills

  • Monitoring

    Keeping track of how well people and/or groups are doing in order to make improvements.

  • Critical Thinking

    Thinking about the pros and cons of different ways to solve a problem.

  • Active Learning

    Figuring out how to use new ideas or things.

  • Operations Analysis

    Figuring out what a product or service needs to be able to do.

  • Instructing

    Teaching people how to do something.

  • Active Listening

    Listening to others, not interrupting, and asking good questions.

  • Management of Financial Resources

    Making spending decisions and keeping track of what is spent.

  • Quality Control Analysis

    Testing how well a product or service works.

  • Negotiation

    Bringing people together to solve differences.

  • Troubleshooting

    Figuring out what is causing equipment, machines, wiring, or computer programs to not work.

  • Speaking

    Talking to others.

  • Time Management

    Managing your time and the time of other people.

  • Equipment Selection

    Deciding what kind of tools and equipment are needed to do a job.

  • Installation

    Installing equipment, machines, wiring, or computer programs.

  • Management of Personnel Resources

    Selecting and managing the best workers for a job.

  • Coordination

    Changing what is done based on other people's actions.

  • Learning Strategies

    Using the best training or teaching strategies for learning new things.

  • Systems Analysis

    Figuring out how a system should work and how changes in the future will affect it.

  • Technology Design

    Making equipment and technology useful for customers.

  • Systems Evaluation

    Measuring how well a system is working and how to improve it.

  • Service Orientation

    Looking for ways to help people.

  • Persuasion

    Talking people into changing their minds or their behavior.

  • Science

    Using scientific rules and strategies to solve problems.

  • Equipment Maintenance

    Planning and doing the basic maintenance on equipment.

  • Complex Problem Solving

    Noticing a problem and figuring out the best way to solve it.

  • Social Perceptiveness

    Understanding people's reactions.

  • Operations Monitoring

    Watching gauges, dials, or display screens to make sure a machine is working.

  • Judgment and Decision Making

    Thinking about the pros and cons of different options and picking the best one.

  • Writing

    Writing things for co-workers or customers.

  • Management of Material Resources

    Managing equipment and materials.

  • Repairing

    Repairing machines or systems using the right tools.

  • Operation and Control

    Using equipment or systems.

  • Programming

    Writing computer programs.

  • Reading Comprehension

    Reading work-related information.

  • Mathematics

    Using math to solve problems.

WorkKeys®

Applied Math
5
Workplace Documents
5
Graphic Literacy
5

Abilities

  • Peripheral Vision

    Seeing something to your side when your are looking ahead.

  • Perceptual Speed

    Quickly comparing groups of letters, numbers, pictures, or other things.

  • Time Sharing

    Doing two or more things at the same time.

  • Multilimb Coordination

    Using your arms and/or legs together while sitting, standing, or lying down.

  • Flexibility of Closure

    Seeing hidden patterns.

  • Written Expression

    Communicating by writing.

  • Fluency of Ideas

    Coming up with lots of ideas.

  • Gross Body Coordination

    Moving your arms, legs, and mid-section together while your whole body is moving.

  • Night Vision

    Seeing at night or under low light.

  • Speed of Limb Movement

    Quickly moving your arms and legs.

  • Static Strength

    Lifting, pushing, pulling, or carrying.

  • Wrist-Finger Speed

    Making fast, simple, repeated movements of your fingers, hands, and wrists.

  • Auditory Attention

    Paying attention to one sound while there are other distracting sounds.

  • Response Orientation

    Quickly deciding if you should move your hand, foot, or other body part.

  • Oral Expression

    Communicating by speaking.

  • Manual Dexterity

    Holding or moving items with your hands.

  • Mathematical Reasoning

    Choosing the right type of math to solve a problem.

  • Trunk Strength

    Using your lower back and stomach.

  • Depth Perception

    Deciding which thing is closer or farther away from you, or deciding how far away it is from you.

  • Near Vision

    Seeing details up close.

  • Selective Attention

    Paying attention to something without being distracted.

  • Category Flexibility

    Grouping things in different ways.

  • Sound Localization

    Noticing the direction that a sound came from.

  • Control Precision

    Quickly changing the controls of a machine, car, truck or boat.

  • Number Facility

    Adding, subtracting, multiplying, or dividing.

  • Memorization

    Remembering words, numbers, pictures, or steps.

  • Originality

    Creating new and original ideas.

  • Hearing Sensitivity

    Telling the difference between sounds.

  • Visual Color Discrimination

    Noticing the difference between colors, including shades and brightness.

  • Written Comprehension

    Reading and understanding what is written.

  • Gross Body Equilibrium

    Keeping your balance or staying upright.

  • Glare Sensitivity

    Seeing something even if there is a glare or very bright light.

  • Spatial Orientation

    Knowing where things are around you.

  • Inductive Reasoning

    Making general rules or coming up with answers from lots of detailed information.

  • Rate Control

    Changing when and how fast you move based on how something else is moving.

  • Information Ordering

    Ordering or arranging things.

  • Speed of Closure

    Quickly knowing what you are looking at.

  • Problem Sensitivity

    Noticing when problems happen.

  • Deductive Reasoning

    Using rules to solve problems.

  • Speech Recognition

    Recognizing spoken words.

  • Far Vision

    Seeing details that are far away.

  • Extent Flexibility

    Bending, stretching, twisting, or reaching with your body, arms, and/or legs.

  • Speech Clarity

    Speaking clearly.

  • Dynamic Strength

    Exercising for a long time without your muscles getting tired.

  • Arm-Hand Steadiness

    Keeping your arm or hand steady.

  • Reaction Time

    Quickly moving your hand, finger, or foot based on a sound, light, picture or other command.

  • Finger Dexterity

    Putting together small parts with your fingers.

  • Dynamic Flexibility

    Quickly and repeatedly bending, stretching, twisting, or reaching out with your body, arms, and/or legs.

  • Stamina

    Exercising for a long time without getting out of breath.

  • Explosive Strength

    Jumping, sprinting, or throwing something.

  • Visualization

    Imagining how something will look after it is moved around or changed.

  • Oral Comprehension

    Listening and understanding what people say.

Knowledge

  • Geography

    Knowledge of principles and methods for describing the features of land, sea, and air masses, including their physical characteristics, locations, interrelationships, and distribution of plant, animal, and human life.

  • Production and Processing

    Knowledge of raw materials, production processes, quality control, costs, and other techniques for maximizing the effective manufacture and distribution of goods.

  • History and Archeology

    Knowledge of historical events and their causes, indicators, and effects on civilizations and cultures.

  • Transportation

    Knowledge of principles and methods for moving people or goods by air, rail, sea, or road, including the relative costs and benefits.

  • English Language

    Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.

  • Personnel and Human Resources

    Knowledge of principles and procedures for personnel recruitment, selection, training, compensation and benefits, labor relations and negotiation, and personnel information systems.

  • Sales and Marketing

    Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.

  • Medicine and Dentistry

    Knowledge of the information and techniques needed to diagnose and treat human injuries, diseases, and deformities. This includes symptoms, treatment alternatives, drug properties and interactions, and preventive health-care measures.

  • Chemistry

    Knowledge of the chemical composition, structure, and properties of substances and of the chemical processes and transformations that they undergo. This includes uses of chemicals and their interactions, danger signs, production techniques, and disposal methods.

  • Customer and Personal Service

    Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.

  • Mathematics

    Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.

  • Biology

    Knowledge of plant and animal organisms, their tissues, cells, functions, interdependencies, and interactions with each other and the environment.

  • Sociology and Anthropology

    Knowledge of group behavior and dynamics, societal trends and influences, human migrations, ethnicity, cultures, and their history and origins.

  • Building and Construction

    Knowledge of materials, methods, and the tools involved in the construction or repair of houses, buildings, or other structures such as highways and roads.

  • Engineering and Technology

    Knowledge of the practical application of engineering science and technology. This includes applying principles, techniques, procedures, and equipment to the design and production of various goods and services.

  • Foreign Language

    Knowledge of the structure and content of a foreign (non-English) language including the meaning and spelling of words, rules of composition and grammar, and pronunciation.

  • Food Production

    Knowledge of techniques and equipment for planting, growing, and harvesting food products (both plant and animal) for consumption, including storage/handling techniques.

  • Fine Arts

    Knowledge of the theory and techniques required to compose, produce, and perform works of music, dance, visual arts, drama, and sculpture.

  • Philosophy and Theology

    Knowledge of different philosophical systems and religions. This includes their basic principles, values, ethics, ways of thinking, customs, practices, and their impact on human culture.

  • Public Safety and Security

    Knowledge of relevant equipment, policies, procedures, and strategies to promote effective local, state, or national security operations for the protection of people, data, property, and institutions.

  • Mechanical

    Knowledge of machines and tools, including their designs, uses, repair, and maintenance.

  • Education and Training

    Knowledge of principles and methods for curriculum and training design, teaching and instruction for individuals and groups, and the measurement of training effects.

  • Economics and Accounting

    Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data.

  • Computers and Electronics

    Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.

  • Design

    Knowledge of design techniques, tools, and principles involved in production of precision technical plans, blueprints, drawings, and models.

  • Physics

    Knowledge and prediction of physical principles, laws, their interrelationships, and applications to understanding fluid, material, and atmospheric dynamics, and mechanical, electrical, atomic and sub-atomic structures and processes.

  • Law and Government

    Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.

  • Telecommunications

    Knowledge of transmission, broadcasting, switching, control, and operation of telecommunications systems.

  • Communications and Media

    Knowledge of media production, communication, and dissemination techniques and methods. This includes alternative ways to inform and entertain via written, oral, and visual media.

  • Administrative

    Knowledge of administrative and office procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and workplace terminology.

  • Psychology

    Knowledge of human behavior and performance; individual differences in ability, personality, and interests; learning and motivation; psychological research methods; and the assessment and treatment of behavioral and affective disorders.

  • Administration and Management

    Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.

  • Therapy and Counseling

    Knowledge of principles, methods, and procedures for diagnosis, treatment, and rehabilitation of physical and mental dysfunctions, and for career counseling and guidance.

Career Video

Additional videos and more information available on CareerOneStop

Pay

  • Typical Salary
  • $128,970
    $79,820
    $50,630
    Ohio
    US
    $138,020
    $79,880
    $51,640
  • Typical Hourly Wage
  • $62
    $38
    $24
    Ohio
    US
    $66
    $38
    $25

Ohio Employment Trends

  • Currently Employed 4,570
  • Yearly Projected Openings 300

Typical Education

Personality

Conventional: People interested in this work like activities that include data, detail, and regular routines.They do well at jobs that need:
  • Integrity
  • Attention to Detail
  • Analytical Thinking
  • Dependability
  • Achievement/Effort
  • Cooperation

Tools

  • Desktop calculator
  • Desktop computers
  • Notebook computers
  • Personal computers

Technology

  • Data base user interface and query software
  • Document management software
  • Electronic mail software
  • Enterprise resource planning ERP software
  • Financial analysis software
  • Information retrieval or search software
  • Internet browser software
  • Object or component oriented development software
  • Office suite software
  • Operating system software
  • Presentation software
  • Spreadsheet software
  • Word processing software
Need help on researching occupations and careers? Download the Guide to Researching Occupations (PDF).

Need help on how to research education and training programs? Download the Guide to Higher Education (PDF).

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Workforce Supply Tool

The Workforce Supply Tool provides statistics for the occupations in highest demand throughout Ohio.

You can view statewide statistics as well as more region specific information.

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