H-1B Visa Associate Underwriter Jobs
H-1B visa jobs for Associate Underwriters sit firmly within specialty occupation territory: the role requires a bachelor's degree in finance, risk management, actuarial science, or a related field. Insurance carriers, reinsurance firms, and specialty lines companies all sponsor H-1B petitions for underwriting talent, making this a strong path for degree-qualified professionals.
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Requisition ID
95322
Department
Group Benefit Solutions
Job Function
Group Benefit Solutions
Location
Philadelphia, Pennsylvania, United States
Role Location Designation
Hybrid - 3 days per week
Location Designation: Hybrid - 3 days per week
Locations: Philadelphia, PA; Bloomfield, CT; Chattanooga, TN; Overland Park, KS; and Phoenix, AZ.
Work Schedule: This position primarily involves a hybrid work schedule - working remotely: Monday & Friday / on site: Tuesday, Wednesday and Thursday.
Business Unit Overview
Group Benefit Solutions delivers comprehensive insurance and absence management solutions for mid-size and large companies. Our work fosters a healthier, happier and more secure workforce, contributing to New York Life’s legacy of being there when we’re needed most. Here, you’ll design, implement and support these solutions directly impacting customers’ lives. At our core, we provide financial security and peace of mind to people through our absence, accident, disability, voluntary benefits and life insurance solutions.
Role Overview
The Group Benefit Solutions Underwriting Organization partners with Sales, Client Management, Pricing, Risk Management, and other business partners to evaluate and manage risk. We are responsible for analyzing employer group characteristics and plan designs to determine the appropriate rates for Life, Accident, Disability and Absence products. One of our key priorities is to manage the growth and profitability of our portfolio, through new business sales and persistency of our inforce book of business. Our team also includes the Medical Underwriting organization that evaluates the risk of individual applications for Life and Disability coverage, as well as our UW Operations organization that helps to drive efficiency and productivity in our process.
As an Underwriter, you will use your knowledge and expertise to determine plan designs and rates for our employer group clients minimizing risk and optimizing profit in the process.
You will evaluate and interpret data from numerous sources, including group demographics, industry research, and other actuarial tools, to develop a risk analysis of each employer group.
You will consult with sales reps and brokers to explain your analysis and work together with them to balance risk and profits.
You will have opportunities for other projects outside the risk assessment portion of your job, such as processes for efficiency or acting as a trainer or mentor to other underwriters.
What You’ll Do
- Perform case specific risk analysis to develop appropriate premium rates for a given risk to support the market’s growth and profitability goals
- Responsible for account level rate development and conducting customer negotiations with Sales on a more complex book of business
- Develop strategic recommendations related to market competition, products, and pricing
- Manage an assigned book of business, focused on attaining profitable growth, persistency, and earnings
- Partner with sales department and brokers to deliver customer presentations and acts as financial consultant on case-specific issues
- Influence underwriting best practice and provides input to matrix partners on product development and pricing
- Mentor and train less tenured underwriters. Help increase their understanding of risk management & underwriting, maintaining focus on technical knowledge and competency skill development
- Act as a trusted resource and technical expert to team and matrix partners
What You’ll Bring
Qualifications
- Bachelor's degree or equivalent work experience required
- 5+ years of Group Life, Accident, Long Term Disability, Short Term Disability, and Absence underwriting, or other relevant experience required
- Demonstrated knowledge of large employer groups with multi-carrier product offerings and awareness of the drivers of a marketing outside of group insurance specific dynamics
- Thorough knowledge of risk factors that influence market and competitive conditions
- Ability to make effective decisions based on strong knowledge of all financial and risk levels, both internal and external
- Strong time management skills, highly organized, detail oriented
- Ability to foster strong working relationships
- Strong interpersonal and communication skills
- Ability to communicate complex ideas, persuade and negotiate effectively
- Ability to lead discussions and deliver external presentations and analysis to a diverse client base
Pay Transparency
Salary Range: $75,000-$90,000
Overtime eligible: Exempt
Discretionary bonus eligible: Yes
Sales bonus eligible: No
Actual base salary will be determined based on several factors but not limited to individual’s experience, skills, qualifications, and job location. Additionally, employees are eligible for an annual discretionary bonus. In addition to base salary, employees may also be eligible to participate in an incentive program.
Company Overview
At New York Life, our 180-year legacy of purpose and integrity fuels our future. As we evolve into a more technology-, data-, and AI-enabled organization, we remain grounded in the values that drive lasting impact.
Our diverse business portfolio creates opportunities to make a difference across industries and communities—inviting bold thinking, collaborative problem-solving, and purpose-driven innovation. Here, you’ll find the rare balance of long-standing stability and forward momentum, supported by an inclusive team that honors tradition while embracing progress.
As a Fortune 100 mutual company, we offer a place to grow your skills, contribute to meaningful work, and deliver solutions that matter. Your ideas drive what’s next, and your growth powers it.
Our Benefits
We provide a full package of benefits for employees – and have unique offerings for a modern workforce, including leave programs, adoption assistance, and student loan repayment programs. Based on feedback from our employees, we continue to refine and add benefits to our offering, so that you can flourish both inside and outside of work.
Our Commitment to Inclusion
At New York Life, fostering an inclusive workplace is fundamental to who we are and how we serve our communities. We have a longstanding commitment to creating an environment where individuals can contribute their best and succeed together. This foundation is rooted in our core values of humanity and integrity, ensuring that every employee feels valued and supported. By embracing a broad range of perspectives and experiences, we achieve greater success and fulfill our promise of providing financial security and peace of mind to families across all communities.
Recognized as one of Fortune’s World’s Most Admired Companies, New York Life is committed to improving local communities through a culture of employee giving and volunteerism, supported by the Foundation. We're proud that due to our mutuality, we operate in the best interests of our policy owners.
Job Requisition ID: 95322
Job Description
Requisition ID
95322
Department
Group Benefit Solutions
Job Function
Group Benefit Solutions
Location
Philadelphia, Pennsylvania, United States
Role Location Designation
Hybrid - 3 days per week
Location Designation: Hybrid - 3 days per week
Locations: Philadelphia, PA; Bloomfield, CT; Chattanooga, TN; Overland Park, KS; and Phoenix, AZ.
Work Schedule: This position primarily involves a hybrid work schedule - working remotely: Monday & Friday / on site: Tuesday, Wednesday and Thursday.
Business Unit Overview
Group Benefit Solutions delivers comprehensive insurance and absence management solutions for mid-size and large companies. Our work fosters a healthier, happier and more secure workforce, contributing to New York Life’s legacy of being there when we’re needed most. Here, you’ll design, implement and support these solutions directly impacting customers’ lives. At our core, we provide financial security and peace of mind to people through our absence, accident, disability, voluntary benefits and life insurance solutions.
Role Overview
The Group Benefit Solutions Underwriting Organization partners with Sales, Client Management, Pricing, Risk Management, and other business partners to evaluate and manage risk. We are responsible for analyzing employer group characteristics and plan designs to determine the appropriate rates for Life, Accident, Disability and Absence products. One of our key priorities is to manage the growth and profitability of our portfolio, through new business sales and persistency of our inforce book of business. Our team also includes the Medical Underwriting organization that evaluates the risk of individual applications for Life and Disability coverage, as well as our UW Operations organization that helps to drive efficiency and productivity in our process.
As an Underwriter, you will use your knowledge and expertise to determine plan designs and rates for our employer group clients minimizing risk and optimizing profit in the process.
You will evaluate and interpret data from numerous sources, including group demographics, industry research, and other actuarial tools, to develop a risk analysis of each employer group.
You will consult with sales reps and brokers to explain your analysis and work together with them to balance risk and profits.
You will have opportunities for other projects outside the risk assessment portion of your job, such as processes for efficiency or acting as a trainer or mentor to other underwriters.
What You’ll Do
- Perform case specific risk analysis to develop appropriate premium rates for a given risk to support the market’s growth and profitability goals
- Responsible for account level rate development and conducting customer negotiations with Sales on a more complex book of business
- Develop strategic recommendations related to market competition, products, and pricing
- Manage an assigned book of business, focused on attaining profitable growth, persistency, and earnings
- Partner with sales department and brokers to deliver customer presentations and acts as financial consultant on case-specific issues
- Influence underwriting best practice and provides input to matrix partners on product development and pricing
- Mentor and train less tenured underwriters. Help increase their understanding of risk management & underwriting, maintaining focus on technical knowledge and competency skill development
- Act as a trusted resource and technical expert to team and matrix partners
What You’ll Bring
Qualifications
- Bachelor's degree or equivalent work experience required
- 5+ years of Group Life, Accident, Long Term Disability, Short Term Disability, and Absence underwriting, or other relevant experience required
- Demonstrated knowledge of large employer groups with multi-carrier product offerings and awareness of the drivers of a marketing outside of group insurance specific dynamics
- Thorough knowledge of risk factors that influence market and competitive conditions
- Ability to make effective decisions based on strong knowledge of all financial and risk levels, both internal and external
- Strong time management skills, highly organized, detail oriented
- Ability to foster strong working relationships
- Strong interpersonal and communication skills
- Ability to communicate complex ideas, persuade and negotiate effectively
- Ability to lead discussions and deliver external presentations and analysis to a diverse client base
Pay Transparency
Salary Range: $75,000-$90,000
Overtime eligible: Exempt
Discretionary bonus eligible: Yes
Sales bonus eligible: No
Actual base salary will be determined based on several factors but not limited to individual’s experience, skills, qualifications, and job location. Additionally, employees are eligible for an annual discretionary bonus. In addition to base salary, employees may also be eligible to participate in an incentive program.
Company Overview
At New York Life, our 180-year legacy of purpose and integrity fuels our future. As we evolve into a more technology-, data-, and AI-enabled organization, we remain grounded in the values that drive lasting impact.
Our diverse business portfolio creates opportunities to make a difference across industries and communities—inviting bold thinking, collaborative problem-solving, and purpose-driven innovation. Here, you’ll find the rare balance of long-standing stability and forward momentum, supported by an inclusive team that honors tradition while embracing progress.
As a Fortune 100 mutual company, we offer a place to grow your skills, contribute to meaningful work, and deliver solutions that matter. Your ideas drive what’s next, and your growth powers it.
Our Benefits
We provide a full package of benefits for employees – and have unique offerings for a modern workforce, including leave programs, adoption assistance, and student loan repayment programs. Based on feedback from our employees, we continue to refine and add benefits to our offering, so that you can flourish both inside and outside of work.
Our Commitment to Inclusion
At New York Life, fostering an inclusive workplace is fundamental to who we are and how we serve our communities. We have a longstanding commitment to creating an environment where individuals can contribute their best and succeed together. This foundation is rooted in our core values of humanity and integrity, ensuring that every employee feels valued and supported. By embracing a broad range of perspectives and experiences, we achieve greater success and fulfill our promise of providing financial security and peace of mind to families across all communities.
Recognized as one of Fortune’s World’s Most Admired Companies, New York Life is committed to improving local communities through a culture of employee giving and volunteerism, supported by the Foundation. We're proud that due to our mutuality, we operate in the best interests of our policy owners.
Job Requisition ID: 95322
See all 34+ H-1B Visa Associate Underwriter Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new H-1B Visa Associate Underwriter Jobs.
Get Access To All JobsTips for Finding H-1B Visa Sponsorship in Associate Underwriter
Align your degree to underwriting duties
USCIS evaluates whether your specific degree field directly relates to underwriting work. A finance, actuarial science, risk management, or economics degree strengthens your specialty occupation argument. Document how your coursework maps to core underwriting functions before your employer files.
Look up prevailing wages before negotiating
Your employer must certify your salary meets the DOL prevailing wage for your SOC code and work location. Check the OFLC Wage Search for Associate Underwriter wages in your metro area so you enter salary discussions knowing the LCA floor your employer must meet.
Target carriers with dedicated immigration programs
Large insurance carriers and reinsurance firms process H-1B visa petitions routinely and have in-house or retained immigration counsel. Use Migrate Mate to identify employers with verified H-1B visa LCA filing history for underwriting roles, narrowing your search to companies already set up to sponsor.
Clarify worksite location before the LCA is filed
Each office where you'll regularly work needs its own certified LCA. If your role involves split time between two locations or could shift to a new office, confirm the exact worksite with HR before your employer submits the LCA to DOL to avoid a costly amendment later.
Request premium processing if your OPT end date is close
If your OPT or cap-gap authorization ends within months of your expected start date, ask your employer to file with USCIS premium processing. This upgrades adjudication to roughly 15 business days and reduces the risk of a gap before your H-1B status takes effect.
Prepare a specialty occupation support letter early
Underwriting roles occasionally receive USCIS Requests for Evidence questioning whether the position truly requires a degree. Ask your employer to draft a detailed support letter that ties each core job duty, pricing analysis, risk modeling, and coverage structuring, to specific degree-level knowledge before the petition is filed.
H-1B Visa Associate Underwriter: Frequently Asked Questions
Does an Associate Underwriter role qualify as a specialty occupation for H-1B purposes?
Yes. Associate Underwriter positions at insurance carriers and reinsurance firms typically require a bachelor's degree in finance, actuarial science, risk management, or a related field, meeting USCIS's specialty occupation standard. The key is that the degree requirement must be genuine and position-specific, not a preferred credential an employer lists as optional. Employers should document the degree requirement in the job description and any internal compensation benchmarking before filing.
Which employers commonly sponsor H-1B visas for underwriting roles?
Large commercial carriers, reinsurance companies, and specialty lines insurers are the most consistent H-1B sponsors for underwriting positions. Firms with structured actuarial and analytical teams tend to have established immigration processes. Browse Migrate Mate to find employers with verified H-1B LCA filing history for underwriting and insurance roles, which saves significant research time compared to reviewing raw DOL disclosure data manually.
How long does H-1B status last for an Associate Underwriter?
Initial H-1B status is granted for up to three years and can be extended to a maximum of six years. Extensions beyond six years require an active employment-based green card petition at a qualifying stage. If you change employers within that window, your new employer must file a new H-1B petition before you begin working, though portability rules can apply once certain conditions are met.
What happens to my H-1B petition if I transfer to a different office location?
Moving to a new worksite that wasn't listed on the original certified LCA requires your employer to file an amended LCA and, in most cases, an amended H-1B petition with USCIS before you begin working at the new location. Short-term placements under specific DOL rules may qualify for an exception, but regular assignment to an unlisted office does not. Confirm the amendment timeline with your employer's immigration counsel before any transfer takes effect.
Can an Associate Underwriter on H-1B pursue a green card while still in that role?
Yes. H-1B allows dual intent, meaning you can pursue an employment-based green card without jeopardizing your nonimmigrant status. Most underwriting professionals go through the EB-2 or EB-3 category, which requires the employer to complete PERM labor certification before filing the immigrant petition. Starting the process early matters because priority date backlogs vary significantly depending on your country of birth.