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Insurance Underwriters

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

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    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.
    • Decline excessive risks.
    • Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies.
    • Evaluate possibility of losses due to catastrophe or excessive insurance.
    • Review company records to determine amount of insurance in force on single risk or group of closely related risks.
    • 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.
    • Authorize reinsurance of policy when risk is high.

    Skills

    • Active Listening

      Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.

    • Critical Thinking

      Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.

    • Reading Comprehension

      Understanding written sentences and paragraphs in work related documents.

    WorkKeys®

    Applied Math
    5
    Workplace Documents
    5
    Graphic Literacy
    5

    Abilities

    • Written Comprehension

      The ability to read and understand information and ideas presented in writing.

    • Inductive Reasoning

      The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events).

    • Written Expression

      The ability to communicate information and ideas in writing so others will understand.

    Knowledge

    • English Language

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

    • 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.

    Career Video

    Additional videos and more information available on CareerOneStop

    Pay

    • Ohio Annual Salary 67790/yr
    • Typical Salary
    • Ohio Hourly Wage 32.59/hr
    • Typical Hourly Wage

    Ohio Employment Trends

    • Currently Employed 5,170
    • Yearly Projected Openings 370

    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

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

    Technology

    • Word processing software
    • Spreadsheet software
    • Financial analysis software
    • Enterprise resource planning ERP software
    • Data base user interface and query software
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    Workforce Supply Tool

    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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