Associate Underwriter Jobs in USA with Visa Sponsorship
Associate Underwriter roles at U.S. insurance and financial services firms qualify as specialty occupations under H-1B visa, requiring a bachelor's degree in finance, mathematics, economics, or a related field. Many carriers and MGAs actively file LCAs, making this one of the more sponsorship-accessible paths in financial services for international candidates.
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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 36+ Associate Underwriter Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Associate Underwriter roles.
Get Access To All JobsTips for Finding Associate Underwriter Jobs
Frame your degree for specialty occupation
Underwriting requires a directly related degree field, not just any bachelor's. If your degree is in actuarial science, statistics, or risk management, name it explicitly on your resume. Generic finance degrees need supporting coursework details to clear an H-1B specialty occupation review.
Use OFLC Wage Search before salary negotiations
Your employer must pay the prevailing wage certified on the LCA. Pull the Level I and Level II figures for your metro area using OFLC Wage Search before your offer conversation so you know the floor they're legally bound to meet.
Target carriers with dedicated reinsurance or specialty lines teams
Large commercial carriers, Lloyd's coverholders, and specialty MGAs file LCAs far more consistently than regional personal-lines insurers. Focus your search on employers with structured underwriting programs, since those roles have clearer degree-to-job connections that support specialty occupation documentation.
Find sponsors through Migrate Mate's verified LCA data
Identifying which insurers have actually sponsored Associate Underwriter roles matters more than which ones post open positions. Migrate Mate surfaces employers with verified LCA filing history for this role, so you're applying to companies already familiar with the sponsorship process.
Clarify PERM timing before accepting an offer
If you're on OPT or STEM OPT, ask whether the employer starts PERM labor certification concurrently with your H-1B petition. Underwriting backlogs for EB-2 and EB-3 green cards can run years, and starting PERM early preserves your priority date before H-1B extensions become an issue.
Prepare a degree equivalency letter for three-year degrees
If you hold a three-year bachelor's from Australia, India, or the UK, USCIS may question equivalency to a U.S. four-year degree. Get a credential evaluation from a NACES-member service before your employer files the I-129 petition, not after a Request for Evidence arrives.
Frequently Asked Questions
Does an Associate Underwriter role qualify as a specialty occupation for H-1B purposes?
Yes, in most cases. USCIS looks for a direct relationship between the job duties and a specific degree field. Underwriting roles that require analyzing risk using actuarial models, financial statements, or statistical tools generally satisfy the specialty occupation standard. The employer must demonstrate the degree requirement in the LCA and I-129 petition, so the job description language matters significantly.
Which visa types are realistic for international candidates pursuing Associate Underwriter jobs?
H-1B is the primary route for most nationalities since underwriting qualifies as a specialty occupation. Australian citizens can use the E-3 visa, which has a 10,500 annual cap that has never been exhausted and requires no lottery. Candidates from Chile or Singapore may qualify for the H-1B1 visa. All three require an employer-filed LCA and a qualifying bachelor's degree in a related field.
What degree fields support an Associate Underwriter H-1B petition?
Finance, mathematics, statistics, economics, actuarial science, and risk management are the strongest degree fields for underwriting sponsorship. Business administration degrees can work if your coursework concentrated in quantitative finance or insurance. USCIS scrutinizes degrees where the connection to underwriting duties is indirect, so employers often document the specific courses that support the specialty occupation claim.
Where can I find Associate Underwriter jobs where employers already sponsor visas?
Migrate Mate lists Associate Underwriter roles at employers with verified sponsorship history, so you're not guessing which companies are open to international candidates. Applying directly at companies with LCA filing history for this role type significantly improves your odds of a smooth sponsorship process.
Can an Associate Underwriter on STEM OPT use that authorization while waiting for H-1B selection?
Yes, if your degree is in a STEM-designated field such as mathematics, statistics, or financial mathematics. STEM OPT extends F-1 work authorization by 24 months and requires your employer to be enrolled in E-Verify. If you're not selected in the H-1B process, you can continue on STEM OPT until it expires, giving you two additional years to reapply or explore other visa pathways.
What is the prevailing wage requirement for sponsored Associate Underwriter jobs?
U.S. employers sponsoring a visa must pay at least the prevailing wage, which is what workers in the same role, area, and experience level typically earn. The Department of Labor sets this rate to make sure companies aren't hiring foreign workers simply because they'd accept lower pay than a U.S. worker. It varies by job title, location, and experience. You can look up current prevailing wage rates for any occupation and location using the OFLC Wage Search page.