Underwriter (Insurance)

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When you apply to an insurance company for insurance, either through an insurance broker or directly, your application will be evaluated by an employee of the insurance company known as the underwriter. She may ask questions to help her assess the risk level of your application and might consult with colleagues such as those who handle claims. For homeowners insurance she may request an appraisal of the property. The process of evaluation is known as underwriting the risk.