H-1B Visa Underwriting Specialist Jobs
Underwriting Specialist roles qualify for H-1B visa sponsorship as specialty occupations requiring at least a bachelor's degree in finance, actuarial science, business, or a related field. Insurance carriers, reinsurers, and specialty lines firms regularly file LCAs for underwriting positions, making this one of the more active H-1B job categories in financial services.
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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 Specialist Jobs
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Get Access To All JobsTips for Finding H-1B Visa Sponsorship as an Underwriting Specialist
Verify your degree field matches underwriting
USCIS requires your degree to directly relate to the underwriting role. A finance, actuarial science, risk management, or economics degree strengthens your specialty occupation case far more than a general business degree alone.
Search LCA filings by underwriting SOC code
Use the OFLC Wage Search to filter Labor Condition Applications under SOC code 13-2053 for insurance underwriters. Employers with recent certified LCAs in that code have active H-1B sponsorship infrastructure already in place.
Target mid-size specialty insurers over generalists
Regional carriers and specialty lines firms in excess-and-surplus markets frequently sponsor H-1B underwriters because niche expertise is harder to source domestically. These employers often move faster than large national carriers with centralized HR approval layers.
Find verified H-1B sponsors on Migrate Mate
Filter Migrate Mate by Underwriting Specialist roles to see employers with confirmed H-1B filing history in your specialty. That filing history tells you which companies have already committed to the sponsorship process for this exact occupation.
Get your prevailing wage level confirmed before negotiating
Your employer's LCA must certify a wage at or above the DOL prevailing wage for your metro area and experience level. Pull the current figure from the OFLC Wage Search for SOC 13-2053 before any offer conversation so you know the floor.
Ask employers about H-1B filing timelines at offer stage
USCIS cap-subject H-1B petitions must be filed in April for an October 1 start. Confirm whether your prospective employer has filed before and understands the lottery registration window, or whether they'll need outside counsel to manage the process.
H-1B Visa Underwriting Specialist: Frequently Asked Questions
Does an Underwriting Specialist role qualify as a specialty occupation for H-1B purposes?
Yes, underwriting roles typically qualify as specialty occupations when the position requires at least a bachelor's degree in a specific field such as finance, actuarial science, risk management, or a closely related discipline. USCIS evaluates the job description, not just the title, so your offer letter should explicitly state the degree requirement and explain how it applies to the duties performed.
Which types of employers sponsor H-1B visas for underwriting roles?
Insurance carriers, reinsurance firms, specialty and surplus lines insurers, and large financial institutions are the most active H-1B sponsors for underwriting positions. Employers with dedicated immigration counsel and established LCA filing history under SOC code 13-2053 are your strongest targets. You can browse employers with verified H-1B filing history for this role on Migrate Mate.
How does the DOL prevailing wage requirement affect underwriting job offers?
Before USCIS can approve your H-1B petition, your employer must file an LCA certifying they'll pay at least the DOL prevailing wage for your role, experience level, and work location. Underwriting wages vary significantly by geography and line of business, so the certified wage for a commercial lines underwriter in New York will differ from the same title in Dallas. Check current figures using the OFLC Wage Search.
Can I transfer my H-1B to a new underwriting employer mid-year?
Yes, H-1B portability allows you to start working for a new employer as soon as they file a transfer petition, without waiting for approval, as long as your prior H-1B was approved and you've maintained valid status. Your new employer files a new I-129 with USCIS, and the role must still qualify as a specialty occupation. Gaps between jobs can complicate this, so timing matters.
Does underwriting experience in my home country count toward H-1B specialty occupation qualification?
Foreign work experience can support your petition if your degree doesn't directly match the role, but USCIS applies a three-for-one rule: three years of specialized experience can substitute for one year of a bachelor's degree. A credential evaluation from a NACES-member organization should accompany any experience-based argument. The O*NET profile for insurance underwriters also documents the typical education and experience requirements USCIS references.