What Does An Life Insurance Underwriter Do? 
A life insurance underwriter is a key part of the Life Insurance Company . The actuary , another person , sifts through mountains of data to determine the life expectancy of a standard risk based upon each possible age . The underwriter determines if the individual is standard . They take personal declarations and information given by the applicant . They review medical records provided by attending physicians . They look at driving records . They can order tests and background investigations . If everything is normal the policy is likely to be issued standard . If the person is better than average , they might be preferred . If something makes the person more likely to experience early death they will be offered a rated policy . If they are too far from standard the underwriter is likely to decline them . 