Underwriter - Entry Level

Midwest-Family-Mutual; Iowa (LA); On-site; USD 42,000 - 65,000; Full time

Benefits offered by this job

Internet reimbursement

Health benefits

401(k) with company match

Pension plan

Job summary

Midwest Family Mutual Insurance Company is seeking an entry level Commercial and Personal Lines Underwriter to join our growing team, with a fully work-from-home environment. You will evaluate submissions, assess risk, price coverage, and maintain relationships with independent agents while supporting underwriting guidelines and training initiatives.

You will also participate in developing underwriting strategies and AI-driven tools to enhance accuracy and efficiency, while collaborating across

Qualifications

• 0–3 years of experience in property and casualty insurance or related coursework/internship.
• Eagerness to learn underwriting principles and endorsements.
• Strong analytical skills with keen attention to detail.
• Must have reliable home internet and dedicated office space.
• Excellent written and verbal communication skills.
• Self-motivated and able to work independently; good time management.
• Proficient in Microsoft Office and comfortable with various systems; team collaboration.

Responsibilities

• Evaluate and underwrite commercial and personal lines submissions per guidelines.
• Assess risk characteristics to determine pricing and coverage options.
• Cultivate relationships with independent agents.
• Negotiate terms with producers for profitable business.
• Maintain compliance with underwriting policies and regulatory requirements.
• Contribute to underwriting strategy and AI-driven tooling development.
• Participate in training and knowledge-sharing initiatives.

Skills

Analytical skills

Written and verbal communication

Time management

Independent work

Team player

Proficient in Microsoft Office

Education

Bachelor’s degree in Business/Insurance

Professional designations (CPCU/AU/ARM) a plus

Tools

Microsoft Office Suite

Insurance systems

Job description

Description

Midwest Family Mutual Insurance Company is an “A-” (Excellent) rated property & casualty insurance company. We have maintained a fully work-from-home environment since 2006 and are seeking an entry level Commercial and Personal Lines Underwriter to join our growing team.

Key Responsibilities

• Evaluate and underwrite both commercial and personal lines of new and renewal business submissions in accordance with assigned authority levels and underwriting guidelines.
• Assess risk characteristics and exposure to determine pricing and coverage options.
• Cultivate and maintain strong relationships with independent agents.
• Negotiate terms and conditions with producers to write profitable business.
• Maintain compliance with underwriting policies, standards, and regulatory requirements.
• Contribute to the evolution of underwriting strategies, guidelines, and workflows, including the development of AI-driven tools to enhance underwriting accuracy, efficiency, and decision‑making.
• Participate in training, mentoring, or knowledge‑share initiatives to support continuous improvement.

Requirements

• 0–3 years of experience in property and casualty insurance, or related coursework/internship experience.
• Eagerness to learn underwriting principles, coverage forms, and endorsements.
• Strong analytical skills, with a keen attention to detail.
• Must have high-speed cable/DSL internet and a dedicated home office space.
• Excellent written and verbal communication skills.
• Self‑motivated and capable of working independently with strong time‑management abilities.
• Proficient in Microsoft Office Suite and comfortable with various technologies and systems; strong keyboarding skills.
• Effective team player, able to collaborate across departments and roles.
• Commitment to regular and reliable attendance.
• Adherence to internal control policies relevant to assigned job responsibilities and administrative duties.
• Willingness to perform additional duties as assigned by management.

Education

• Bachelor’s degree in Business, Insurance, or a related field preferred.
• Professional designations (e.g., CPCU, AU, ARM) are a plus and demonstrate a commitment to ongoing industry education.

Compensation & Benefits

• Competitive salary, internet reimbursement, and an excellent benefits package including Medical, Dental, Vision, Health Savings, and Flexible Spending accounts.
• Short‑Term and Long‑Term Disability, and Life Insurance.
• Robust retirement plans, including a 401(k)/Roth 401(k) with company match and a Defined Benefit Pension Plan.