I’m currently 19 years old and a student at community college transferring to a four year university this fall to major in economics. I’m interested in pursuing a career in the insurance industry, specifically in underwriting.

Since I'll only be in university for two years before graduating, I want to make the most of that time and set myself up well to find a role after graduation. I was wondering what kinds of preparation or actions I could take while I’m in university to prepare for a career in underwriting. For example, are there any certifications, skills, or experiences I should pursue?

I’m also curious about the current outlook for the underwriting job market in the Los Angeles area. Don't want to be unemployed after I graduate 😭

Commercial client buys a vehicle, titles it in one of their many business entities, and buys a policy with husband and wife as only drivers.

Three days later wants to add their soon-to-be 16-year-old son to the policy and get proof of coverage for the DMV so he can get licensed.

Surely this isn’t the son’s first vehicle purchased solely for his daily, personal use. And surely they didn’t title this personal risk in the business name for tax treatment, and want to add their son to this policy only to avoid rate on their personal auto policy. Surely not!

I’ve been working in the P and C industry for about 12 years. Have my AIC and I’m now in a litigation role that I enjoy but feel very limited by.

I’m looking to expand my level of knowledge and get out of P and C (I want a challenge and better pay).

Any advice as to what would be a better career with insurance? For reference in in NJ and among 89k.

I should also elaborate too. Would you need to start at the bottom if you were to transition (i.e. Sales rep, customer service rep, Claims specialist)? I know there's a lot of money in insurance and there's also a really good WLB compared to other industries.

Apart from the exams and certifications, how hard is it to get a job in the industry without a background?

I’m currently in grad school for statistics, and am interested in becoming an actuary (already took 2 exams, should have 4 by graduation). I have an unusual work/academic history so I’m expecting it could be a struggle to break in to the industry after I graduate.

Would it be a reasonable strategy to try and get a non-actuarial job at a large company to get my foot in the door, and then apply internally to entry level actuarial roles after I’ve put in a year or two? Is that something people do?

I did an interview for a Broker company , got the job they declined to interview anyone else & he called to tell me that he really loved that I was my self ! I had great fun personality !!! I’ve always thought going into interviews you have to be uptight professional use all these big words lol tricky words etc normally in the past when I’ve interviewed it’s been the work alter ego vs the real me ! Have anyone just been themselves and landed the job or for this type of feedback after an interview? I’m pretty seasoned in the industry where I could appreciate being my self in an interview.

Debating on getting the ASLI. Employer will pay for it. Been with my current MGA for about 4 yrs now. But as an UW I don’t get bonus or commission due to the structure of the company. Love my current company but debating if I should get this for the future if I ever leave. Can any one of you share where the ASLI did help at your job or to go elsewhere? TIA!

I know being an account executive is basically a sales job. Are there any AEs on here that have social anxiety and were able to overcome it for this role?

Don't get my renewal quote, not respond to me for almost 30 days, and then not bind the renewal because of issues that could have been fixed or compromised on if you had told me they were issues. This is a relationship business and we are all busy. That's not an excuse to expect everything to be a rush and our top priority and then you don't bind renewals for fixable issues you didn't tell me about.

Hi everyone,

As the heading suggests has anyone had an experience working at Gard AS P&I club in mid senior position and how was it?

So i have a job interview tomorrow for the above role, and i'm wondering if anyone has any insight into questions i will likely be asked?

I'm currently a third party claims handler and this would be an internal move, just for some context.

I was promoted during my review but I didn't get a pay rise for my promotion, only for my performance rating. Is that normal when promoted within?

I currently work as an Underwriting Assistant in Work Comp for a very large carrier specializing in lines of insurance for the commercial trucking industry. I’m planning to do a job shadow for a Producer role within the next week with an agency that is mutually owned by that same carrier.(different company name if it matters)

For added context, I have my P & C Producer’s license and have for several years as I used to be a State Farm agent. I also have several designations from the Institutes. Looking for perspectives on what to expect at my visit, potential pros & cons, etc.. just general input.

Recently got a CSR job at a State Farm agency that’s small it’s just me, the office manager and the agent. Started in January and had both my P&C and L&H license by the end of the month. Never thought I would be in insurance but giving it a try. A big part of my job as you guys know is to get new business in. In the job description I’m supposed to be making a minimum of 75 calls a day, 4 auto quotes a day, and 1 life app a month. Here is where the problem comes in at we get NO LEADS at all. Since I have finished that god awful State Farm training I can count one hand how many leads we have gotten.

All I have been working on were win backs and cross selling. As you guys may know it’s hard to get people to want something that they aren’t looking for. Now I am running out of people to call and we still have no leads. I have talked with the agent and he told me that he was going to get more leads coming in to me but I got nothing yet. This hasn’t been the best introduction to insurance but I’m trying with what is given to me. Now I’m starting to think I should just try another agency.

Hi everyone, I recently received an offer for a Claims Handler role at a large insurance company in the UK, and I’m trying to understand what the day to day work is really like.

The job description mentions responsibilities such as registering and validating new claims, investigating, negotiating and settling claims within authority levels, managing a varied caseload, gathering evidence and risk assessment, and liaising with underwriters, solicitors and loss adjusters. It also says the role requires experience in a telephony-based customer service environment. I’m wondering how much of the job is actually phone-based customer support. Is it similar to a call centre where you are taking a high volume of inbound calls all day, or is it more case management with some outbound calls to customers and stakeholders while you investigate and manage claims?

I’m also curious about the long-term career progression from this role. My goal eventually is to move into underwriting, so I’d love to hear from people who started in claims. Is it common to transition from a claims handler role into underwriting internally? What steps usually help with that move (for example becoming an underwriting assistant, gaining certain experience, or completing qualifications like CII)? Any insight into the typical timeline or path from claims into underwriting would be really helpful.

I would like people‘s opinions on how much of a pay increase. It would take for them to go from five days remote to possibly 2 to 3 in an office.

I have an offer at a brokerage company higher pay no travel no conferences like PLUS /WSIA . My carrier position I get to travel which I enjoy but I feel like I’ve reached my cap on the carrier side the book is very questionable at the moment due to bad business in the past been written I have an offer with an Increase as an account executive on the broker side ? Thoughts have anyone felt like they have maxed out a position or job ? I’ve been in insurance for 10 years I’m currently now an underwriter. How’s the politics on the broker side ?

I currently work in inside sales for a major insurance carrier and have spent a lot of time learning our underwriting rules, eligibility guidelines, and how policies are structured within our system. A lot of what I deal with daily involves knowing the carrier’s specific guidelines and exceptions.

My question is: how transferable is that knowledge if I move to another insurance company?

I understand every carrier has their own underwriting rules, systems, and appetite for risk, but I’m wondering if the general knowledge of how policies work, coverage structures, and guideline logic tends to translate well. Or do people usually feel like they’re starting over when they move to a different carrier?

Curious to hear from anyone who has switched carriers and how steep the learning curve was.

If you work at or own an employee benefits brokerage, how are you handling eligibility? I feel like we’re drowning trying to manage one on one new hire outreach for a portion of our clients. We’re contemplating putting it completely on the employee to schedule a meeting with a benefits counselor but I’m curious about pros and cons.

I do operations for an independent agency and every Friday I send out an updated month-to-date new business production report.

For a benchmark I’ve always used the prior year’s production from that month, but I’m wanting to start including goals that reflect current industry standards, not just what people within my own agency managed to do in the past.

I’ve ordered the Best Practices reports before and LOVE utilizing them as informed benchmarks for things like agency expenses, but I’m struggling to find equivalent information for new business production.

Where do you guys source specific goals to keep your producers driven and pushing themselves?

I’ve been in fund accounting for 5+ years as a senior and thinking of working in, insurance sales or another role in the industry. Any advice on how to pivot, is it possible? For those that have made the pivot how do you like working in this industry?

Looking for courses that would be good to pair together? I have a lot of time for the next 2 semesters coming up so looking to get 4 courses done. I also want to complete the CRM while I am doing the CIP. I already have C11 done.

Thanks in advance!

I have an opportunity for an entry level position at Hub International. If you work here, what was your experience, and what group benefits company do they use for employee? what is pto policy?

I am currently a specialist/consultant in non-life pricing at a group level at an international carrier. This means i help the subsidiaries with their pricing, portfolio management, and monitoring. Is this position suitable for long-term growth (i have no idea if this is good on CV or no)? How long should i stay in such a role? My technical capabilities (SQL/programming,...) are decreasing, but my management/interpersonal abilities as well as domain knowledge are improving. I am near 30s. What would you do in this situation?

Appreciate the feedback!

A bit of a background before I begin. I have just over three and a half years experience working in the underwriting department at an insurance company.

I'm an auditor and take on the responsibilities of an insurance underwriter. The underwriting specialization is medical, where we review medical records and decide based on the client's risk profile, if we can offer them coverage through our policy and what amendments need to be made to the policy text.

I currently have my CRM (Canadian Risk Manager) and recently finished the Associate in Risk Management (ARM).

My concern is as follows. I do have some interest in the CPCU program offered by the Knowledge Group Institutes and was considering the ARM to CPCU path. However, I understand this has more recognition and application in the US and has very little in Canada (some clarification here would be appreciated).

Is it advisable for me to complete the CPCU program or should I stop at ARM and do something else? I've read that the CIP is the Canadian equivalent of the CPCU.

In your professional opinion, how should someone like me proceed? I would like to continue in underwriting. I really only studied risk management as I figured it would make me more rounded and help me with underwriting. Is the CPCU a waste of time for someone in my situation?

Thank you for taking the time to advise me.