Life/Health Underwriter

Auto-Owners Insurance; Lansing, Northern (MI, KY); On-site; USD 52,000 - 76,000; Full time

Benefits offered by this job

Merit-based work-from-home program

Competitive base salary

Matched 401(k)

Pension plan

Bonus programs

Paid time off

Job summary

Auto-Owners Insurance in Michigan is seeking a motivated underwriting trainee to join our underwriting team. This role combines hands-on training with applied underwriting decisions, following our company philosophy and procedures.

During the training program you will learn coverages, read and interpret policies, analyze risk factors, and develop clear underwriting recommendations while collaborating with independent agents and associates.

Qualifications

• Underwriting knowledge of property/casualty insurance.
• Ability to organize data and make independent decisions.
• Strong written and verbal communication skills.
• Ability to write reports and correspondence.
• Ability to resolve complex issues.
• Commitment to ongoing professional development through approved education programs.

Responsibilities

• Learn insurance coverages and contracts to make underwriting decisions.
• Read and interpret documents such as policies, manuals, forms, and endorsements.
• Assemble information, form opinions, and clearly express decisions.
• Analyze loss experience, financial conditions and risk characteristics.
• Gain working knowledge of underwriting department support.
• Communicate with independent agents and associates verbally or in writing.
• Complete the company underwriter training program.

Skills

Data organization

Multi-tasking

Written and verbal communication

Report writing

Issue resolution

Education

Bachelor’s degree or equivalent in underwriting

Job description

A career at Auto-Owners is challenging and rewarding. Our group of caring associates create financial security by helping individuals and businesses make a new start when a loss occurs.

We offer a merit-based work-from-home program based on job responsibilities. After initial training in-person, this specific role could have the flexibility to work from home up to 3 days per week.

Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee to join our team.

Job Description

This job performs and applies insurance coverage, rules and guidelines to execute the underwriting decision-making process according to Company underwriting philosophy.

This job includes training and development through completion of the Company’s underwriter training program for the assigned line of insurance and requires the person to:

• Learn various insurance coverages and contracts along with company philosophy and procedures, in order to make underwriting decisions
• Read, interpret, and react to documents such as policies, manuals, forms, and endorsements to understand their meaning and use
• Assemble information, develop opinions, and clearly express decisions using sound reasoning and judgement
• Analyze loss experience, financial conditions and physical characteristics of risks
• Acquire a working knowledge of supporting sections of the underwriting department
• Effectively communicate with independent agents and other associates through verbal and/or written means
• Participate in and successfully complete the Company underwriter training program

Desired Skills & Experience

• Bachelor’s degree or direct equivalent experience with property/casualty underwriting
• Ability to organize data, multi-task and make decisions independently
• Above average communication skills (written and verbal)
• Ability to write reports and compose correspondence
• Ability to resolve complex issues
• Continually develop product knowledge through participation in approved educational programs

Benefits

We offer a friendly work environment, structured training program, employee mentoring and an excellent compensation/benefits package.

• competitive base salary, matched 401(k), fully-funded pension plan (once vested), and bonus programs
• generous paid time off including holidays, vacation days, personal time, and sick leave

Equal Employment Opportunity

Auto-Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law.

*Please note that the ability to work in the U.S. without current or future sponsorship is a requirement.

#LI-AT1 #LI-Hybrid

About the Company

Auto-Owners Insurance is a mutual insurance company with a simple human sense approach to business. This means we answer the phone because it’s ringing, we treat people like they’re people, and we believe the right way is the human way.

Established in 1916 and headquartered in Lansing, Michigan, we currently operate in 26 states.

We partner with independent agencies to sell our products to the communities we serve, and we are consistently acknowledged for our superior customer service.

We are proud to have been ranked among the Fortune 500 every year since 2002.