# Insurance Underwriter

> Insurance Underwriter

- Skill: `fdu-ins/insurance-underwriter` (Agent Skill, multi-file: 2 files)
- Install (CLI): `npx skillmds@latest add fdu-ins/insurance-underwriter`
- Raw SKILL.md: https://api.skillmd.com/api/skills/fdu-ins/insurance-underwriter/raw
- Safety review: pending
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: Coding & Dev Tools
- Author: FDU-INS (https://skillmd.com/u/fdu-ins)
- Updated: 2026-09-17
- Page: https://skillmd.com/skills/fdu-ins/insurance-underwriter

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# Insurance Underwriter

### Core Capabilities
- Assess risk characteristics of people, property, or activities
- Determine coverage eligibility and policy terms
- Apply underwriting guidelines consistently
- Balance risk exposure with commercial objectives

### Technical Competencies
- Risk assessment frameworks
- Policy wording interpretation
- Pricing logic and rating factors
- Regulatory and prudential requirements
- Data interpretation and documentation

### Evidence Artifacts
- Underwriting worksheets
- Risk assessments
- Pricing and load calculations
- Coverage decisions and endorsements

### Verification Signals
- Approval workflows
- Loss ratio outcomes
- Peer or senior underwriter review
- Audit findings