Insurance underwriter / advisor
LIC AAO, GIC
- Remote
- Varies
- Qualification
- Typically Bachelor of Banking and Insurance (BBI).
What the work involves
Day to day
Assessing risk and deciding whether, and on what terms, to insure it - or on the advisory side, matching clients to appropriate cover. Underwriting is analytical; advisory is relationship and sales.
Who this suits
Fit
Analytical people for underwriting; persistent, personable people for advisory. Insurance penetration in India remains low, so the long-term market is genuinely underdeveloped rather than saturated.
The honest reality
Read this one
Advisory income is commission-driven and unstable early on, and the industry carries a trust deficit you personally have to overcome with every client. Underwriting is more secure but the work is repetitive and heavily governed by rules you do not set.
How you get there
Step by step
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2 years Step 1Finish school
Class 12 with Commerce, or any stream
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Step 2Qualify
Complete Banking, insurance & actuarial.
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Step 3Enter the field
Typical first position: Insurance underwriter / advisor.
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Step 4Build and specialise Optional
Move into management, or add a professional qualification.
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You are hereInsurance underwriter / advisor
Everything above leads here. The steps marked optional can be skipped or taken later — they change how fast you arrive, not whether you can.
Courses that lead here
How to qualify
Roles within this career
What the job is called