What Do Health Insurance Underwriters Do? 
That 's a great question ! In general terms , the underwriter is the person who determines whether or not you qualify for a particular financial service , like a bank loan , or as you asked , insurance . An insurance underwriter will look at your health issues , medical history , prescription records , actuarial tables , and other things like your credit and family history , if needed , to determine the risk of insuring you . From that data , they will determine if you qualify , and if so , for what plan and amount of coverage , and at what rate . If you have more questions , please feel free to contact me , I 'm happy to help . Thanks for asking ! 