H-1B Visa Insurance Underwriter Jobs
H-1B visa jobs for insurance underwriters are available at carriers, reinsurers, and specialty lines firms that file Labor Condition Applications for degree-level risk analysis roles. The position qualifies as a specialty occupation under H-1B rules, requiring at least a bachelor's degree in finance, mathematics, actuarial science, or a directly related field.
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As a Senior Life Insurance Underwriter, you will play a critical role in facilitating the sale of life insurance by applying sound, cost-effective underwriting principles. You will assess risk and determine appropriate premium classifications based on a comprehensive evaluation of applicants’ health, financial background, occupation, travel, and lifestyle.
Job Description
Position Summary
As a Senior Life Insurance Underwriter, you will play a critical role in facilitating the sale of life insurance by applying sound, cost-effective underwriting principles. You will assess risk and determine appropriate premium classifications based on a comprehensive evaluation of applicants’ health, financial background, occupation, travel, and lifestyle.
Key Responsibilities
-
Risk Assessment & Decision-Making
-
Evaluate new business, reinstatements, and coverage change requests.
- Determine underwriting requirements and order necessary medical exams or assessments.
-
Analyze applicant data from various sources including MIB, medical records, financial documents, and motor vehicle reports.
-
Stakeholder Communication
-
Collaborate with financial advisors, Insurance Planning Specialists, and Internal Sales Consultants.
-
Clearly communicate underwriting decisions and provide guidance on potential reconsiderations.
-
Process Management
-
Balance workload, advisor expectations and the underwriting team for effective underwriting.
- Document and update underwriting systems with accurate and timely information.
-
Refer cases to reinsurance or consult with the carrier’s Chief Underwriter or Medical Director as needed.
-
Compliance & Documentation
-
Ensure underwriting decisions align with internal policies, industry standards, and regulatory requirements.
-
Draft correspondence including approval/decline letters, advisory memos, and confidential medical communications.
-
Continuous Improvement
-
Participate in the development and refinement of underwriting policies, procedures, and systems.
- Stay current on industry trends, legislation, and best practices.
Qualifications
-
Experience & Education
-
Minimum 5 years of life insurance underwriting experience.
-
AALU designation required; actively pursuing FALU and/or FLMI preferred.
-
Technical Expertise
-
Strong knowledge of medical and financial underwriting principles.
-
Proficient in interpreting underwriting manuals, legislation, and insurance product provisions.
-
Skills & Competencies
-
Exceptional analytical and risk assessment skills.
- Strong written and verbal communication abilities.
- Proven leadership and mentoring capabilities.
- Ability to manage complex cases and make sound, independent decisions.
Why Join Us?
- Work with a collaborative and experienced underwriting team.
- Opportunity to influence underwriting strategy and policy.
- Competitive compensation and benefits package.
- Support for continued professional development and certification.
Education
Bachelor’s - Completed: Business Administration, Bachelor’s - Completed: Finance, Bachelor’s - Completed: Marketing
Work Experience
General Experience - 13 months to 3 years
Certifications
Securities Industry Essentials Exam (SIE) - Financial Industry Regulatory Authority (FINRA)
Travel
Less than 25%
Workstyle
Remote
The total compensation for this position includes base salary or wages, and may include components such as additional compensation (cash or equity), discretionary bonuses, or commissions. This position is eligible for a benefits package that may include medical, dental, and vision; life insurance; critical illness insurance and accident insurance; disability benefits; retirement savings; paid time off (including vacation, holidays, and sick leave); and parental leave. Eligibility for benefits and specific offerings may vary based on position and employment status. To view more details of the benefits offered, visit Myrjbenefits.com.
At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence and a conservative, long-term view.
We expect our associates at all levels to:
- Grow professionally and inspire others to do the same
- Work with and through others to achieve desired outcomes
- Make prompt, pragmatic choices and act with the client in mind
- Take ownership and hold themselves and others accountable for delivering results that matter
- Contribute to the continuous evolution of the firm
At Raymond James – as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates. When associates bring their best authentic selves, our organization, clients, and communities thrive. The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs.
Job Description Summary
As a Senior Life Insurance Underwriter, you will play a critical role in facilitating the sale of life insurance by applying sound, cost-effective underwriting principles. You will assess risk and determine appropriate premium classifications based on a comprehensive evaluation of applicants’ health, financial background, occupation, travel, and lifestyle.
Job Description
Position Summary
As a Senior Life Insurance Underwriter, you will play a critical role in facilitating the sale of life insurance by applying sound, cost-effective underwriting principles. You will assess risk and determine appropriate premium classifications based on a comprehensive evaluation of applicants’ health, financial background, occupation, travel, and lifestyle.
Key Responsibilities
-
Risk Assessment & Decision-Making
-
Evaluate new business, reinstatements, and coverage change requests.
- Determine underwriting requirements and order necessary medical exams or assessments.
-
Analyze applicant data from various sources including MIB, medical records, financial documents, and motor vehicle reports.
-
Stakeholder Communication
-
Collaborate with financial advisors, Insurance Planning Specialists, and Internal Sales Consultants.
-
Clearly communicate underwriting decisions and provide guidance on potential reconsiderations.
-
Process Management
-
Balance workload, advisor expectations and the underwriting team for effective underwriting.
- Document and update underwriting systems with accurate and timely information.
-
Refer cases to reinsurance or consult with the carrier’s Chief Underwriter or Medical Director as needed.
-
Compliance & Documentation
-
Ensure underwriting decisions align with internal policies, industry standards, and regulatory requirements.
-
Draft correspondence including approval/decline letters, advisory memos, and confidential medical communications.
-
Continuous Improvement
-
Participate in the development and refinement of underwriting policies, procedures, and systems.
- Stay current on industry trends, legislation, and best practices.
Qualifications
-
Experience & Education
-
Minimum 5 years of life insurance underwriting experience.
-
AALU designation required; actively pursuing FALU and/or FLMI preferred.
-
Technical Expertise
-
Strong knowledge of medical and financial underwriting principles.
-
Proficient in interpreting underwriting manuals, legislation, and insurance product provisions.
-
Skills & Competencies
-
Exceptional analytical and risk assessment skills.
- Strong written and verbal communication abilities.
- Proven leadership and mentoring capabilities.
- Ability to manage complex cases and make sound, independent decisions.
Why Join Us?
- Work with a collaborative and experienced underwriting team.
- Opportunity to influence underwriting strategy and policy.
- Competitive compensation and benefits package.
- Support for continued professional development and certification.
Education
Bachelor’s - Completed: Business Administration, Bachelor’s - Completed: Finance, Bachelor’s - Completed: Marketing
Work Experience
General Experience - 13 months to 3 years
Certifications
Securities Industry Essentials Exam (SIE) - Financial Industry Regulatory Authority (FINRA)
Travel
Less than 25%
Workstyle
Remote
The total compensation for this position includes base salary or wages, and may include components such as additional compensation (cash or equity), discretionary bonuses, or commissions. This position is eligible for a benefits package that may include medical, dental, and vision; life insurance; critical illness insurance and accident insurance; disability benefits; retirement savings; paid time off (including vacation, holidays, and sick leave); and parental leave. Eligibility for benefits and specific offerings may vary based on position and employment status. To view more details of the benefits offered, visit Myrjbenefits.com.
At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence and a conservative, long-term view.
We expect our associates at all levels to:
- Grow professionally and inspire others to do the same
- Work with and through others to achieve desired outcomes
- Make prompt, pragmatic choices and act with the client in mind
- Take ownership and hold themselves and others accountable for delivering results that matter
- Contribute to the continuous evolution of the firm
At Raymond James – as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates. When associates bring their best authentic selves, our organization, clients, and communities thrive. The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs.
See all H-1B Visa Insurance Underwriter Jobs
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Get Access To All JobsTips for Finding H-1B Visa Sponsorship in Insurance Underwriter
Align your degree to underwriting duties
USCIS scrutinizes whether your specific degree field directly relates to the underwriting role. Pull the O*NET profile for insurance underwriters and map your coursework to listed core tasks before drafting your resume and cover letter.
Look up prevailing wages before negotiating
Your employer's LCA must certify a wage at or above the DOL prevailing rate for your occupation code and worksite city. Use the OFLC Wage Search to find the Level I through Level IV wage tiers for insurance underwriters in your target market before you receive an offer.
Target employers with active LCA filing history
Find companies already certified to sponsor underwriters by searching Migrate Mate, which lists employers with verified H-1B visa LCA filing history by role and location, so you're not cold-applying to firms that have never navigated the process.
Confirm each worksite gets its own certified LCA
If your underwriting role involves hybrid work across multiple office locations, each worksite requires a separately certified LCA. Flag this early with your prospective employer's HR or immigration counsel to avoid a filing gap before your start date.
Track cap-subject timelines against your OPT or status expiry
H-1B selection rules have changed recently, so verify current registration windows directly with USCIS. Status is granted for up to three years and extendable to six, so map those dates against your current authorization to identify if cap-gap protection applies to you.
Request employer documentation for specialty occupation
Ask your hiring manager or HR contact to document why the underwriting role requires a bachelor's degree in a specific field, not just any degree. A detailed position description citing technical risk modeling, actuarial analysis, or regulatory compliance duties significantly strengthens the I-129 petition.
H-1B Visa Insurance Underwriter: Frequently Asked Questions
Does an insurance underwriter role qualify as a specialty occupation for H-1B purposes?
Yes, insurance underwriter roles at most carriers and reinsurers qualify as specialty occupations when the position requires at least a bachelor's degree in finance, mathematics, actuarial science, economics, or a directly related field. USCIS evaluates the specific duties listed in the job description, so the employer must document that the role demands degree-level theoretical and analytical knowledge, not just general business experience.
Which degree fields does USCIS accept for an H-1B insurance underwriter petition?
USCIS accepts degrees in finance, mathematics, actuarial science, economics, statistics, and risk management as directly related fields for underwriting roles. Business administration degrees can qualify if your coursework concentrated in one of those quantitative areas. A general liberal arts degree without a finance or quantitative concentration creates a higher risk of a Request for Evidence from USCIS, so your employer's petition should explicitly tie your degree field to the technical duties of the position.
How do I find employers who actively sponsor H-1B visas for insurance underwriter roles?
Search Migrate Mate to browse insurance carriers, reinsurers, and specialty lines firms that have verified H-1B LCA filing history for underwriting positions. Focusing on employers with an established sponsorship track record reduces the risk of an employer withdrawing support mid-process due to unfamiliarity with USCIS filing requirements or cost concerns.
What happens to my H-1B status if I move to a different underwriting team or office location?
A change in worksite location requires your employer to file a new certified LCA with DOL before you begin working at the new site. A material change in your job duties, title, or reporting structure may also require an amended I-129 petition filed with USCIS. Alert your employer's immigration contact as soon as an internal transfer or reorganization is discussed, not after it takes effect.
Can I transfer my H-1B to a new insurance employer if I change jobs?
Yes. Under H-1B portability rules, you can begin working for a new sponsoring employer once they file an I-129 transfer petition on your behalf, as long as you have a valid, unexpired I-94 and your prior H-1B was lawfully obtained. Your new employer must file a fresh LCA certified for your new worksite and role. You don't need to wait for USCIS approval before starting, but the petition must be filed before your last day at the prior employer.