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Insurance Underwriter Resume Samples and Templates for 2026

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Insurance Underwriter Resume Examples and Templates: A Complete Guide

A professional insurance underwriter resume is essential for standing out in India’s growing insurance sector. Whether you’re applying for positions at life insurance companies like LIC, HDFC Life, or ICICI Prudential, general insurers like ICICI Lombard or Bajaj Allianz, or reinsurance companies, your resume should highlight your risk assessment expertise, analytical skills, and ability to make sound underwriting decisions that balance growth with profitability.

This guide walks you through insurance underwriter resume examples and templates, formatting tips, and keywords to help you write a resume that stands out to recruiters at leading insurance organisations in India.

Understanding the Insurance Underwriter Role in India

Insurance underwriters are risk assessment professionals who evaluate insurance applications and determine coverage terms, pricing, and policy conditions. From assessing life insurance applications at LIC to underwriting commercial property risks at New India Assurance, underwriters are essential to the insurance business model.

Key responsibilities include:

Evaluating insurance applications and risk profiles
Analysing financial statements and loss history
Determining policy terms, conditions, and pricing
Applying underwriting guidelines and standards
Conducting medical and non-medical underwriting
Reviewing and approving policy modifications
Collaborating with agents, brokers, and actuaries
Ensuring regulatory compliance with IRDAI guidelines

India’s expanding insurance market and focus on risk-based pricing create strong demand for skilled underwriters across life, health, motor, and commercial insurance segments.

Preparing to Write Your Underwriter Resume

Before drafting your resume, gather all relevant information:

Professional details to compile:

Complete employment history in underwriting roles
Types of risks underwritten (life, health, motor, commercial)
Premium volume underwritten annually
Loss ratios and profitability metrics
Software and tools used (underwriting systems)
Special authorities and limits held
Team sizes managed if applicable
Notable achievements and recognition

Research target employers:

Review requirements from life insurers like LIC, HDFC Life, Max Life
Understand expectations at general insurers like ICICI Lombard, Bajaj Allianz
Note specific certifications and skills mentioned in job descriptions

Choosing the Best Resume Format

Select a format that best presents your underwriting experience:

Chronological Format

Best for underwriters with steady career progression through underwriting roles. Highlights your work at organisations in reverse chronological order.

Functional Format

Suitable for career changers from actuarial, claims, or banking backgrounds transitioning to underwriting roles.

Combination Format

Ideal for mid-career professionals balancing diverse experience across multiple insurance lines or combining underwriting with related functions.

Format recommendations by experience: | Experience Level | Recommended Format | Resume Length | |-----------------|-------------------|---------------| | Entry-level (0-3 years) | Chronological | 1 page | | Mid-level (3-8 years) | Combination | 1-2 pages | | Senior (8+ years) | Chronological | 2 pages |

Professional Summary Examples

Your professional summary should immediately communicate your underwriting expertise:

Entry-Level Underwriter

Commerce graduate from Delhi University seeking underwriting position in life insurance. Completed underwriting trainee programme at HDFC Life with exposure to individual life and health products. Strong analytical and decision-making skills with attention to detail. Proficient in risk assessment frameworks and medical underwriting basics. Eager to develop expertise in complex underwriting while contributing to portfolio growth.

Experienced Underwriter

Results-driven insurance underwriter with 6+ years of experience in life and health underwriting. Currently Senior Underwriter at ICICI Prudential Mumbai managing underwriting for ₹500 crore annual premium. Expertise in medical, financial, and non-medical underwriting with strong risk assessment skills. Maintained loss ratio of 65% against 70% target. Licentiate of Insurance Institute of India with authority to underwrite cases up to ₹5 crore sum assured.

Underwriting Manager

Strategic underwriting leader with 12+ years of experience building and managing underwriting teams for life insurance. Currently Chief Underwriter at Max Life Insurance Delhi leading team of 30 underwriters across individual and group segments. Developed risk assessment framework improving profitability by 15%. Expertise in medical underwriting, reinsurance facultative placement, and underwriting automation. Fellow of Insurance Institute of India (FIII) with strong track record of portfolio performance.

Commercial Underwriter

Specialised commercial underwriter with 8 years of expertise in property, marine, and engineering risks. Currently Senior Commercial Underwriter at New India Assurance handling large corporate accounts worth ₹200 crore annual premium. Expertise in risk survey, policy structuring, and treaty/facultative reinsurance. Maintained combined ratio of 95% across commercial portfolio. Associateship of Insurance Institute of India with Chartered Insurance Institute credentials.

Showcasing Your Work Experience

Present your underwriting experience with specific achievements and metrics:

Chief Underwriter

Max Life Insurance | Delhi NCR April 2019 – Present

Lead underwriting function for individual and group life insurance
Manage team of 30 underwriters across 15 locations nationwide
Oversee annual underwritten premium of ₹2,500 crore
Developed risk classification framework improving portfolio profitability by 15%
Reduced underwriting turnaround time from 5 days to 2 days through automation
Implemented predictive analytics for risk assessment and pricing
Established medical underwriting guidelines for critical illness products
Maintained mortality experience within 95% of pricing assumptions
Chair underwriting committee reviewing high-sum-assured cases
Received “Excellence in Underwriting” award (2022)

Senior Underwriter

ICICI Prudential Life Insurance | Mumbai June 2015 – March 2019

Underwrote individual life and health insurance applications
Managed portfolio of ₹500 crore annual premium with 65% loss ratio
Authority to underwrite cases up to ₹5 crore sum assured
Assessed complex medical and financial underwriting cases
Collaborated with reinsurers on facultative placements for large cases
Trained 10 junior underwriters on risk assessment techniques
Developed underwriting manual for protection products
Achieved 98% accuracy in risk classification
Received “Top Underwriter” recognition for 2 consecutive years

Underwriter

HDFC Life Insurance | Chennai July 2012 – May 2015

Underwrote life and health insurance applications
Processed 500+ applications monthly with 95% same-day decisions
Conducted medical underwriting for individual term and savings products
Analysed financial documents for large sum assured cases
Coordinated with medical examiners and diagnostic centres
Maintained underwriting records and policy documentation
Completed Licentiate examination during tenure

Essential Skills for Insurance Underwriters

Technical Skills

Risk assessment and analysis
Medical underwriting
Financial underwriting
Policy rating and pricing
Underwriting guidelines application
Loss ratio management
Reinsurance coordination
Regulatory compliance (IRDAI)
Mortality and morbidity analysis
Portfolio management

Software Proficiency

Underwriting management systems
Policy administration systems
Medical information databases
Financial analysis tools
Microsoft Office Suite (Excel expertise)
Risk scoring models
Document management systems
Workflow automation tools
Business intelligence platforms
Actuarial software basics

Soft Skills

Analytical and critical thinking
Attention to detail and accuracy
Decision-making under uncertainty
Communication (verbal and written)
Judgement and risk appetite calibration
Time management and prioritisation
Team collaboration
Customer and agent relationship management
Problem-solving
Continuous learning orientation

Certifications for Insurance Underwriters

Professional Certifications

Certification	Issuing Body	Relevance
Fellowship (FIII)	Insurance Institute of India	Senior underwriting
Associateship (AIII)	Insurance Institute of India	Mid-level underwriting
Licentiate (LIII)	Insurance Institute of India	Entry-level
FLMI (Fellow, Life Management Institute)	LOMA	Global life insurance
ALU (Associate, Life Underwriting)	LOMA	Life underwriting
Chartered Insurance Institute	CII	UK/International

Academic Qualifications

B.Com/M.Com from recognised universities
B.Sc with Chemistry/Biology for medical underwriting
MBA in Insurance or Finance
MBBS for chief medical underwriting
Actuarial qualifications (IAI)
Statistics or Mathematics degree

Specialised Certifications

Medical Underwriting Certificate (LOMA)
Commercial Lines Underwriting (CII)
Reinsurance Certificate Programme
Financial Analysis certification
Data Analytics for Underwriting
Risk Management certifications

Tips by Experience Level

Entry-Level Underwriters (0-3 years)

Highlight commerce or science degree background
Include underwriting trainee programme completion
Emphasise analytical and decision-making skills
Showcase attention to detail and accuracy
Include Insurance Institute examinations completed

Target employers: Life insurers, general insurers, TPAs

Mid-Level Underwriters (3-8 years)

Quantify premium underwritten and portfolio performance
Highlight underwriting authority and limits held
Showcase specialisation (life, health, commercial)
Demonstrate technical expertise and complex case handling
Include Associateship or equivalent certification

Target positions: Senior Underwriter, Team Lead, Specialist Underwriter

Senior Underwriters (8+ years)

Emphasise team management and strategic contributions
Highlight underwriting framework development
Showcase portfolio profitability and loss ratio performance
Demonstrate thought leadership and training contributions
Include Fellowship and reinsurer relationships

Target positions: Chief Underwriter, Head of Underwriting, Underwriting Director

ATS Optimisation for Underwriter Resumes

Ensure your resume passes Applicant Tracking Systems:

Essential keywords to include:

Underwriter, underwriting, risk assessment
Life insurance, health insurance, general insurance
Medical underwriting, financial underwriting
Policy, premium, sum assured
Loss ratio, profitability, portfolio
IRDAI, Insurance Institute of India
Risk classification, pricing
Reinsurance, facultative, treaty
Underwriting guidelines, authority
FIII, AIII, LIII certifications

ATS-friendly formatting:

Use standard section headings (Summary, Experience, Skills, Education)
List certifications with issuing body names
Avoid tables, graphics, and complex formatting
Use standard fonts (Arial, Calibri, Times New Roman)
Include premium volumes and ratios as numbers

Conclusion

A professional insurance underwriter resume is essential for success in India’s growing insurance sector. Whether you’re targeting positions at life insurers like LIC, HDFC Life, and ICICI Prudential, or exploring opportunities at general insurers and reinsurance companies, your resume must demonstrate your risk assessment expertise, analytical skills, and track record of sound underwriting decisions.

Focus on quantifying your achievements—premium underwritten, loss ratios maintained, and portfolio performance delivered. Highlight your certifications from the Insurance Institute of India and LOMA that validate your expertise. With India’s expanding insurance market and increasing focus on profitable growth, skilled underwriters have excellent career opportunities across all segments.

Use our resume builder to create an ATS-optimised underwriter resume, or explore our professional templates designed specifically for insurance professionals in India.

Frequently Asked Questions

What sections should a strong insurance underwriter resume include?

At minimum, include contact information, a professional summary, work experience, key skills, and education. Depending on your experience level, you may also add certifications, achievements, projects, or industry-specific sections that highlight your expertise.

How do I write a professional summary for an insurance underwriter role?

Keep it concise — two to three sentences highlighting your experience level, core competencies, and a key achievement or strength that shows why you're right for the job. Tailor it to match the specific role you're applying for.

What skills are most important to list on an insurance underwriter resume?

Include a mix of technical skills specific to insurance underwriter roles and soft skills like communication, problem-solving, and teamwork. Research job postings in your target companies to identify the most commonly requested skills.

How detailed should my work experience be?

Use bullet points to describe your roles, focusing on specific results, tools used, and the impact you made. Quantify achievements where possible — numbers and percentages help recruiters quickly understand your contributions.

Do I need certifications on my insurance underwriter resume?

Certifications aren't always required, but they can strengthen your application — especially if they demonstrate advanced training or specialised expertise. List the certification name, issuing organisation, and year obtained.

What's the best resume format for an insurance underwriter?

Most insurance underwriter professionals benefit from a reverse-chronological format that lists your most recent experience first. If you're changing careers or have gaps, a functional or combination format might work better.

How long should my insurance underwriter resume be?

Aim for one page if you're early in your career. Experienced professionals with extensive achievements can use two pages — just ensure every section adds value and remains relevant to the role.

Should I tailor my resume for each job application?

Yes. Customising your resume with keywords and responsibilities from the job posting improves your chances of passing Applicant Tracking Systems (ATS) and resonating with recruiters. Focus on relevant experience and skills for each role.

Insurance Underwriter Text-Only Resume Templates and Samples

ARVIND RAWAT

Phone: 0000000

Email: arvind@abc.com

Address: C-21, Sector-21, Delhi

About Me

Insurance Underwriter

Extensive experience of XX years in examining insurance proposals; collecting background information and assessments of risk; analyzing statistical data using specialist computer programs; determining premiums; preparing insurance policy terms and conditions
Skilled in evaluating the possibility of losses due to catastrophe or excessive insurance; examining documents to determine the degree of risk from such factors as the applicant's financial standing and value and condition of the property
Deft in reviewing company records to determine the amount of insurance in force on a single risk or group of closely related risks; writing to field representatives, medical personnel, and others to obtain further information, quote rates, or explain company underwriting policies
Effectively communicate financial data and information; leverage advanced skills and knowledge to succeed as an insurance underwriter

Education

Arts and Design, Bachelor of Arts, Completed, May 2003

HKBK College Of Engineering

– Marks null

Bengaluru, KA

Certifications

Professional Certificate in Life Insurance - Underwriting and Claims, Completed , January 2017

Work Experience

Period: July 2016 - Current

Insurance Underwriter / Assistant Manager - Underwriting Quality Assurance - Insurance/Reinsurance

Serving Skill

Mumbai, MH

Study insurance proposals; decide whether the risk should be shared with a reinsurer
Gather and assess background information, including reports and medical records from specialists where appropriate, to effectively assess the risk involved
Calculate possible risk and decide on the premium -how much individuals or organizations should pay for insurance
Visit brokers or potential customers and prepare quotes; write policies and help with the policy wording
liaise with specialists, such as surveyors or doctors, for risk assessment, and develop good working relationships with brokers
Negotiate terms with policyholders or their brokers and draw up contracts
Ensure that premiums are competitive and that accounts remain profitable
Specify conditions to be imposed on different types of policies, for example, asking that a property owner install a security alarm
Keep detailed and accurate records of policies underwritten and decisions made.
Authorize reinsurance of policy when risk is high; decline excessive risks

Period: September 2005 - April 2014

Insurance Underwriter / Assistant Manager - Medical Underwriting

zyoin

Mumbai, MH

Reviewed insurance applications for compliance and adherence
Assessed clients’ background information and financial status
Liaised with specialists to gather information and opinions
Negotiated and defined the specific terms of insurance policies with brokers or policyholders
Kept detailed records of policies underwritten and decisions made
Balanced between mass and homogeneity of risks to achieve predictability of future results
Developed and maintained a profitable book of business for the insurer
Followed-up applicable insurance laws