Every year, insurance companies assume billions of dollars in risks to safeguard businesses and people. But who is looking out for the insurance company? Underwriters. They examine insurance applications, actuarial reports, medical records, and other data to determine whether their organisation can take a risk. They make the decision on whether to issue an insurance and how much to charge for it. 

The underwriter's active partner is technology. They review insurance applications using computer models known as "smart systems," filtering out those who are ineligible and altering the premium amount for the rest. The internet is home to an increasing number of websites devoted to underwriters and their need for up-to-date information. 

Because of rising office automation, future job growth in the insurance industry will be constrained. To begin, a bachelor's degree is required, and ongoing education is required to gain specialised designations and advance. Underwriters with the most sought credentials - outstanding computer and communication skills, as well as a strong background in finance - have the best job prospects.