An underwriter is a professional responsible for evaluating and analyzing the risks associated with insuring individuals or entities. They study various factors such as the applicant’s personal information, claims history, financial status, and the nature of the insurance being sought.

During the underwriting process, they evaluate the information provided and determine the appropriate terms and conditions for the insurance policy.

Underwriters use their expertise and knowledge to make informed decisions regarding the acceptance, modification, or rejection of insurance applications. Their objective is to strike a balance between providing coverage to policyholders and ensuring the financial stability of the company.