H-1B Visa Underwriting Analyst Jobs
Underwriting Analyst roles qualify as H-1B visa specialty occupations because they require a bachelor's degree or higher in finance, economics, actuarial science, or a related field. Insurers, banks, and financial services firms regularly file LCAs through DOL and sponsor H-1B petitions for analysts who assess risk and price policies.
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Get Access To All JobsINTRODUCTION
When you join the team at Unum, you become part of an organization committed to helping you thrive. Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life’s moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide:
- Award-winning culture
- Inclusion and diversity as a priority
- Performance Based Incentive Plans
- Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability
- Generous PTO (including paid time to volunteer!)
- Up to 9.5% 401(k) employer contribution
- Mental health support
- Career advancement opportunities
- Student loan repayment options
- Tuition reimbursement
- Flexible work environments
All the benefits listed above are subject to the terms of their individual Plans.
And that’s just the beginning…
With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you’re directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today!
GENERAL SUMMARY
The Underwriting Consultant will demonstrate expert risk evaluation, selection and retention of profitable business within assigned authority limits. This also requires a strong ability to partner with Company sales teams, brokers and all internal partners. This role may also assist with the training, technical development and mentoring of other underwriters. Additionally, the incumbent will lead and influence others in the organization to support change and drive profitable results.
PRINCIPAL DUTIES AND RESPONSIBILITIES
- Consult with sales and service partners to provide the products and plan options that best meet the needs of our customers.
- Evaluate and select risk to ensure the profitable acquisition of new cases and the continued profitable retention of in force cases.
- Conduct high quality risk assessments on all cases to assure business guidelines, target profit and metrics are met. Identify and analyze risk trends, making recommendations for addressing these.
- Contribute to the development of policies and procedures in support of product development initiatives.
- Demonstrate a mastery of the Company’s product portfolio, the sales, implementation, and enrollment processes, and market place influences.
- Deliver dependable, accurate, and timely service while maintaining relationships with internal and external partners.
- Act as a technical resource for junior underwriters and provide developmental feedback on case level decisions within the context of a mentoring relationship.
- Act as a mentor and coach, providing input to management regarding mentee performance.
JOB SPECIFICATIONS
- Bachelors degree or equivalent, relevant business experience
- Demonstrated, consistent proficiency at Senior Underwriter level
- Mastery of product provisions, plan designs, pricing and contractual benefits
- Excellent technical expertise in risk selection
- Demonstrated strong understanding of top-line and bottom-line objectives
- Exhibit complete understanding of sales/distribution process and market trends
- Strong mentoring and coaching skills
- Strong creative problem solving skills
- Strong critical thinking/analytical reasoning skills
- Excellent communication skills, both verbal and written
- Strong organizational skills and ability to handle multiple priorities
- Highly skilled in persuasiveness and negotiation
- Demonstrated ability to work both independently and in a team environment
- Exhibit a strong commitment to quality and personal ownership of results
COMPENSATION
- Base salary range: $63,500.00-$120,000.00
Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans.
Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide.
Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.
INTRODUCTION
When you join the team at Unum, you become part of an organization committed to helping you thrive. Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life’s moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide:
- Award-winning culture
- Inclusion and diversity as a priority
- Performance Based Incentive Plans
- Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability
- Generous PTO (including paid time to volunteer!)
- Up to 9.5% 401(k) employer contribution
- Mental health support
- Career advancement opportunities
- Student loan repayment options
- Tuition reimbursement
- Flexible work environments
All the benefits listed above are subject to the terms of their individual Plans.
And that’s just the beginning…
With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you’re directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today!
GENERAL SUMMARY
The Underwriting Consultant will demonstrate expert risk evaluation, selection and retention of profitable business within assigned authority limits. This also requires a strong ability to partner with Company sales teams, brokers and all internal partners. This role may also assist with the training, technical development and mentoring of other underwriters. Additionally, the incumbent will lead and influence others in the organization to support change and drive profitable results.
PRINCIPAL DUTIES AND RESPONSIBILITIES
- Consult with sales and service partners to provide the products and plan options that best meet the needs of our customers.
- Evaluate and select risk to ensure the profitable acquisition of new cases and the continued profitable retention of in force cases.
- Conduct high quality risk assessments on all cases to assure business guidelines, target profit and metrics are met. Identify and analyze risk trends, making recommendations for addressing these.
- Contribute to the development of policies and procedures in support of product development initiatives.
- Demonstrate a mastery of the Company’s product portfolio, the sales, implementation, and enrollment processes, and market place influences.
- Deliver dependable, accurate, and timely service while maintaining relationships with internal and external partners.
- Act as a technical resource for junior underwriters and provide developmental feedback on case level decisions within the context of a mentoring relationship.
- Act as a mentor and coach, providing input to management regarding mentee performance.
JOB SPECIFICATIONS
- Bachelors degree or equivalent, relevant business experience
- Demonstrated, consistent proficiency at Senior Underwriter level
- Mastery of product provisions, plan designs, pricing and contractual benefits
- Excellent technical expertise in risk selection
- Demonstrated strong understanding of top-line and bottom-line objectives
- Exhibit complete understanding of sales/distribution process and market trends
- Strong mentoring and coaching skills
- Strong creative problem solving skills
- Strong critical thinking/analytical reasoning skills
- Excellent communication skills, both verbal and written
- Strong organizational skills and ability to handle multiple priorities
- Highly skilled in persuasiveness and negotiation
- Demonstrated ability to work both independently and in a team environment
- Exhibit a strong commitment to quality and personal ownership of results
COMPENSATION
- Base salary range: $63,500.00-$120,000.00
Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans.
Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide.
Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.
See all 198+ H-1B Visa Underwriting Analyst Jobs
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Get Access To All JobsTips for Finding H-1B Visa Sponsorship as an Underwriting Analyst
Frame your degree around risk quantification
Underwriting roles require a directly related degree under H-1B specialty occupation rules. A finance or actuarial science degree maps cleanly. If your degree is broader, document coursework in statistics, risk modeling, or financial analysis to strengthen the specialty occupation argument.
Target employers with active LCA filing history
Search Migrate Mate to identify insurers and financial institutions that have filed LCAs for Underwriting Analyst roles. Prior filings signal that HR and legal teams already understand the H-1B process for this specific job title, reducing friction in the offer stage.
Check prevailing wage before negotiating your offer
Your employer must pay at least the DOL prevailing wage for your role, location, and experience level. Use the OFLC Wage Search to look up wage levels by SOC code 13-2053 before you receive an offer, so you can negotiate from an accurate baseline.
Clarify whether the role is cap-subject at offer stage
Banks and insurance companies are generally cap-subject employers, meaning your petition enters the annual lottery. Confirm this before accepting an offer so you and your employer can plan around the April filing window and potential gap in work authorization.
Verify E-Verify enrollment before your start date
If you're transitioning from OPT, your employer must be enrolled in E-Verify to authorize STEM OPT extensions. For H-1B portability during a job change, confirm the new employer is E-Verify enrolled before your current status expires to avoid gaps.
Document your underwriting software proficiency early
USCIS increasingly scrutinizes Underwriting Analyst petitions for specialty occupation evidence. Documenting proficiency in actuarial or risk platforms like SAS, SQL, or proprietary pricing tools strengthens the case that the role requires specialized, degree-level expertise rather than general business skills.
H-1B Visa Underwriting Analyst: Frequently Asked Questions
Does an Underwriting Analyst role qualify as an H-1B specialty occupation?
Yes. USCIS recognizes Underwriting Analyst positions as specialty occupations when the role requires a bachelor's degree or higher in a directly related field such as finance, economics, actuarial science, or statistics. The employer must demonstrate in the LCA and I-129 petition that the position's duties require that specific theoretical and practical knowledge, not just general business aptitude.
Which types of employers sponsor H-1B visas for Underwriting Analysts?
Large insurers, reinsurers, commercial banks, mortgage companies, and specialty finance firms are the most active H-1B sponsors for Underwriting Analyst roles. Employers in these sectors file LCAs regularly because underwriting functions are core to their operations. You can browse verified sponsoring employers filtered by this job title on Migrate Mate.
How does the DOL prevailing wage requirement affect my Underwriting Analyst offer?
Your employer must certify in the LCA that your offered wage meets or exceeds the DOL prevailing wage for Underwriting Analyst roles in your work location. Wages are tiered by experience level. You can research applicable wage levels using the OFLC Wage Search before or during negotiations to ensure the offer is compliant and competitive.
Can I transfer my H-1B to a new underwriting employer using portability?
Yes, H-1B portability under AC21 lets you start working for a new employer as soon as the transfer petition is filed, provided your original H-1B was approved and you've been in valid status. The new role must be in the same or a similar occupational classification, which is straightforward when moving between Underwriting Analyst positions across insurers or financial institutions.
What happens to my H-1B status if my underwriting employer does a layoff?
You have a 60-day grace period after losing H-1B employment to find a new sponsoring employer, file a change of status, or depart the country. During this window, you can't work. If a new employer files an H-1B transfer petition within 60 days, you can begin working immediately upon receipt. Acting quickly on job applications as soon as a layoff is announced is critical.