# Tasks & work activities — insurance underwriter

Source: O*NET 30.3, occupation 13-2053.00 (Insurance Underwriters).

## Task statements

- **[Core]** Decline excessive risks.
- **[Core]** Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies.
- **[Core]** Evaluate possibility of losses due to catastrophe or excessive insurance.
- **[Core]** Decrease value of policy when risk is substandard and specify applicable endorsements or apply rating to ensure safe, profitable distribution of risks, using reference materials.
- **[Core]** Review company records to determine amount of insurance in force on single risk or group of closely related risks.
- **[Core]** Authorize reinsurance of policy when risk is high.
- **[Core]** Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.

## Detailed work activities

- Analyze health-related data.
- Assess financial status of clients.
- Assess risks to business operations.
- Authorize financial actions.
- Explain regulations, policies, or procedures.
- Verify accuracy of records.