Your work. Your records.
Insurance Underwriter Workplace Records
Insurance underwriters evaluate applications against requirements and authority limits that may change by product. An employment concern about an acceptance, decline or turnaround target should identify the instruction in effect. Separate your risk recommendation from a final decision or exception approved by another person.
Call now(800) 800-5555Free initial case evaluation. Representation depends on work state and case eligibility. This guide explains record preparation; it does not determine whether a legal claim exists.
A record map for your role
What to organize first
Authority boundary
List recommendations you could issue and decisions or exceptions requiring another role’s approval.
Review timeline
Record missing inputs and escalation dates relevant to the specific turnaround expectation in your evaluation.
Guideline history
Identify the instruction version and later changes while leaving confidential criteria and applicant data protected.
Start with the work you actually do
Review individual applications for insurance to evaluate degree of risk involved and determine acceptance of applications.
O*NET classifies this occupation as Insurance Underwriters (13-2053.00). Its description covers a typical occupation, not every workplace or individual job. It does not establish employee status, overtime eligibility or employer misconduct.
- Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.Source task 21045 · updated 08/2018
- Decline excessive risks.Source task 1261 · updated 08/2018
- Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies.Source task 1262 · updated 08/2018
- Evaluate possibility of losses due to catastrophe or excessive insurance.Source task 1263 · updated 08/2018
A reference point for your pay records
May 2025 wage estimates by state
Compare your pay records with published BLS estimates for Insurance Underwriters (SOC 13-2053). These describe an occupation across employers. They are not a required pay rate, an overtime calculation, or evidence of discrimination or unpaid wages.
Select your work state to see its published pay range. No personal pay information is requested or sent.
The 25th and 75th percentiles mark the middle half of the estimated wage distribution; the median is its midpoint. Actual pay can differ with experience, employer, location and duties. Hourly and annual figures are shown as published, without converting one into the other.
All published state estimates for this occupation
| State | Hourly 25th | Hourly median | Hourly 75th | Annual median |
|---|---|---|---|---|
| Alabama | $26.16 | $29.92 | $47.33 | $62,220 |
| Alaska | $28.62 | $39.24 | $43.75 | $81,620 |
| Arizona | $30.11 | $37.38 | $48.75 | $77,740 |
| Arkansas | $24.13 | $39.48 | $53.33 | $82,130 |
| Connecticut | $38.32 | $48.41 | $62.43 | $100,690 |
| Delaware | Not published | Not published | Not published | Not published |
| Florida | $29.38 | $37.85 | $50.68 | $78,720 |
| Georgia | $34.11 | $41.34 | $62.32 | $85,980 |
| Hawaii | $28.79 | $35.22 | $48.10 | $73,260 |
| Idaho | $23.73 | $30.06 | $39.53 | $62,530 |
| Indiana | $29.54 | $37.23 | $45.74 | $77,440 |
| Iowa | $30.64 | $36.14 | $46.82 | $75,160 |
| Kansas | $28.89 | $37.05 | $56.51 | $77,070 |
| Kentucky | $27.84 | $38.38 | $48.55 | $79,830 |
| Louisiana | $28.68 | $36.80 | $44.06 | $76,540 |
| Maine | $34.18 | $45.92 | $52.60 | $95,510 |
| Michigan | $29.77 | $37.20 | $48.01 | $77,380 |
| Minnesota | $35.26 | $38.80 | $60.09 | $80,700 |
| Mississippi | $22.98 | $28.49 | $32.60 | $59,250 |
| Missouri | $30.06 | $38.48 | $45.85 | $80,040 |
| Montana | $25.36 | $30.36 | $39.79 | $63,140 |
| Nebraska | $28.88 | $36.12 | $44.45 | $75,120 |
| New Hampshire | $41.35 | $49.97 | $62.28 | $103,940 |
| New Mexico | $23.29 | $30.77 | $45.00 | $64,000 |
| New York | $38.10 | $46.85 | $63.23 | $97,450 |
| North Carolina | $28.34 | $37.08 | $48.40 | $77,120 |
| North Dakota | $29.07 | $35.64 | $43.99 | $74,130 |
| Ohio | $30.34 | $38.11 | $50.09 | $79,260 |
| Oklahoma | $23.64 | $32.10 | $41.23 | $66,770 |
| Pennsylvania | $30.50 | $37.96 | $49.87 | $78,950 |
| Rhode Island | $30.73 | $40.73 | $49.98 | $84,720 |
| South Dakota | $29.35 | $39.97 | $55.55 | $83,130 |
| Tennessee | $29.11 | $37.91 | $48.38 | $78,840 |
| Texas | $29.63 | $37.93 | $50.50 | $78,890 |
| Utah | $24.80 | $34.96 | $44.70 | $72,730 |
| Vermont | $30.49 | $37.50 | $43.62 | $77,990 |
| Virginia | $32.06 | $39.36 | $50.00 | $81,870 |
| West Virginia | Not published | Not published | Not published | Not published |
| Wisconsin | $35.62 | $46.81 | $59.29 | $97,370 |
| Wyoming | $22.85 | $29.95 | $38.77 | $62,290 |
“Not published” preserves unavailable or suppressed source cells. “Above reporting limit” preserves a top-coded source value without inventing a number. A missing state estimate does not establish service eligibility. The data describe wage and salary employment; they do not measure self-employment income.
Source: BLS May 2025 state workbook · OEWS tables · BLS technical notes. Use your own schedule, pay statement and compensation terms to identify the question you want reviewed.
Identify authority and guideline versions
Describe the product category, guideline version and limits on your decision-making role. Note when you requested additional information or an exception. If a later review uses revised criteria, record when those criteria became available without assuming they governed the earlier assignment.
Put turnaround measures in sequence
Record receipt, missing-information requests, review and escalation in general terms. Distinguish time awaiting applicant or specialist input from work assigned to you. Keep your own performance review and response together, without downloading other underwriters’ files to compare their handling of similar applications.
Protect applicant and risk material
Do not retain medical information, property valuations, financial records, internal pricing models or restricted underwriting files in personal storage. Identify supporting records by category and custodian. Your own employment terms and permitted feedback can establish context without exposing the contents of an application.
Choose your next step
Review the workplace retaliation guide, unpaid wages guide, or discrimination guide if those concerns fit your experience. A job title alone does not establish a claim.
Call now(800) 800-5555Current service-state coverage
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