Insurance Underwriter Jobs in USA with Visa Sponsorship
Insurance Underwriter roles qualify as specialty occupations under the H-1B visa, requiring a bachelor's degree in finance, mathematics, or a related field. Employers in property, casualty, and commercial lines actively file LCAs with DOL, making this one of the more sponsorship-accessible paths in the financial services sector.
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Get Access To All JobsJob 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.
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 Insurance Underwriter Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Insurance Underwriter roles.
Get Access To All JobsTips for Finding Insurance Underwriter Jobs
Align your degree to underwriting directly
USCIS scrutinizes whether your degree field directly relates to the role. A degree in actuarial science, finance, or risk management strengthens your specialty occupation case far more than a general business degree paired with work experience alone.
Target commercial lines over personal lines
Commercial and specialty lines underwriters handle complex risk portfolios that demand quantitative expertise, making employers more willing to sponsor. Personal auto and homeowners lines rely heavily on automated systems, reducing demand for sponsored candidates in those units.
Verify prevailing wage before negotiating your offer
Your employer must certify your wage meets DOL prevailing wage levels on the LCA. Use the OFLC Wage Search to look up the Level I through IV thresholds for underwriters in your metro area before your salary discussion, so your offer clears certification without delays.
Find sponsors through Migrate Mate's verified LCA data
Search Migrate Mate to identify insurers and financial firms with verified LCA filing history for underwriting roles. This surfaces employers who have already navigated the sponsorship process, cutting your research time and improving your odds of a productive application.
Get your actuarial or CPCU credentials before filing
Associateship exams from the Casualty Actuarial Society or Chartered Property Casualty Underwriter coursework signal role-specific expertise. Employers sponsoring H-1B petitions value these credentials because they reinforce the specialty occupation argument USCIS requires.
Confirm your employer's PERM timeline if pursuing a green card
Underwriting roles typically require a PERM labor certification for EB-2 or EB-3 green card sponsorship, which involves DOL recruitment steps that take months. Clarify during the offer stage whether the employer is willing to initiate PERM alongside or after your H-1B approval.
Frequently Asked Questions
Does an Insurance Underwriter role qualify as a specialty occupation for H-1B purposes?
Yes, insurance underwriting qualifies as a specialty occupation when the role requires a bachelor's degree in a directly related field such as finance, actuarial science, mathematics, or risk management. Employers must document this degree requirement in the LCA and I-129 petition. Roles that accept any bachelor's degree regardless of field face a higher risk of a USCIS Request for Evidence.
Which visa types are realistic for a sponsored Insurance Underwriter position?
The H-1B is the most common path, subject to the annual cap and lottery. Australian citizens can pursue the E-3 visa, which has a separate 10,500-annual cap and no lottery. Chilean and Singaporean nationals may qualify for the H-1B1 visa. TN visa status is not available for insurance underwriters, as the role does not appear on the USMCA profession list.
How do I find insurance companies that have sponsored underwriter visas before?
Migrate Mate lists employers with verified LCA filing history for underwriting roles, letting you focus your applications on companies already comfortable with the sponsorship process. Large commercial insurers, reinsurance firms, and specialty lines carriers tend to file most actively, particularly for quantitative and commercial underwriting positions.
Will my foreign actuarial exams or underwriting credentials count toward my application?
Partially completed actuarial exams, CPCU coursework, or international insurance credentials can support your specialty occupation argument and strengthen an employer's petition, but they don't substitute for the required degree. USCIS evaluates foreign degrees through credential evaluation services. A three-year bachelor's degree from Australia or the UK is generally accepted as equivalent to a U.S. four-year degree, but confirm this with a credential evaluator before filing.
Does an employer need to run PERM labor certification for an underwriter green card?
Most Insurance Underwriter green card petitions through the EB-2 or EB-3 categories require PERM labor certification, which means the employer must conduct a supervised recruitment process through DOL to demonstrate no qualified U.S. workers were available. This process typically takes six months or more before the I-140 petition can be filed, so it's worth raising the question during the offer negotiation stage rather than after you've started.
What is the prevailing wage requirement for sponsored Insurance 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.