What Does A Life Insurance Underwriter Do? 
In addition to what Bob said I will add that it is very popular nowadays for a lot of agents to call themselves underwriters . Or field underwriters . That is done to mislead the public . Part of an agents job is to do the initial assessment of whether you qualify to apply . You can call this field underwriting . But that does n't make an agent an `` underwriter '' any more than faxing a piece of paper makes him a `` faxer . '' Some times an agent will go to great lengths to not call himself an insurance agent . 