Take a free practice interview

  • Practice answering questions and get real feedback to improve
  • Get job-specific questions at the company you want
  • 95% say this improved their performance

Ace Your Insurance Underwriter Behavioral Interview

Unlock the Secrets: Prepare Like a Pro for Your Insurance Underwriter Behavioral Interview

Top interview questions to expect


1. Tell me about a time when you had to deal with a difficult customer.

2. Describe a situation where you had to analyze complex data and make a decision.

3. Give me an example of a time when you had to prioritize multiple tasks and manage your time effectively.

4. Can you recall a situation where you had to persuade someone to see your point of view?

5. Tell me about a situation where you faced a challenge and how you overcame it.

6. Describe a time when you had to work as part of a team to achieve a common goal.

7. Can you give me an example of a time when you had to take initiative and go above and beyond?

Check the latest questions for this role:

Answering interview questions with STAR structure


STAR Framework: The STAR framework is a structured method for answering behavioral interview questions. It stands for Situation, Task, Action, and Result.

Situation: Briefly describe the situation or context in which the event took place.

Task: Explain the specific task or goal you were responsible for achieving.

Action: Detail the specific actions you took to address the situation or achieve the goal.

Result: Describe the positive outcome or result of your actions.

This framework helps you provide clear, concise, and structured answers that demonstrate your skills, experience, and abilities.

Sample answers to above interview questions


1. Question: Tell me about a time when you had to deal with a difficult customer.

Answer:

Situation: While working as an Insurance Underwriter, I encountered a challenging customer who was dissatisfied with the claim settlement offer for their property damage claim.

Task: My task was to address the customer’s concerns and find a mutually agreeable solution.

Action: I actively listened to the customer’s grievances, empathized with their situation, and thoroughly reviewed the claim details. I then presented a revised settlement offer that was fair and justified, explaining the rationale behind it in detail.

Result: The customer appreciated my transparent communication and willingness to work towards a solution. They accepted the revised offer and expressed satisfaction with the outcome. This experience reinforced the importance of active listening, empathy, and clear communication in resolving customer issues.

2. Question: Describe a situation where you had to analyze complex data and make a decision.

Answer:

Situation: In my role as an Insurance Underwriter, I was tasked with assessing the risk profile of a new client applying for a large commercial insurance policy. The application contained a vast amount of financial data, including income statements, balance sheets, and loss history.

Task: My task was to analyze the data, identify potential risk factors, and make an informed underwriting decision.

Action: I meticulously reviewed the financial statements, conducted a comprehensive industry analysis, and consulted with subject matter experts to gather additional insights. Based on my analysis, I developed a risk assessment report highlighting key risk areas and recommending appropriate policy terms and conditions.

Result: The underwriting committee approved my risk assessment and recommendations, leading to the successful issuance of the insurance policy. This experience demonstrated my ability to analyze complex data, identify risks, and make sound underwriting decisions.

3. Question: Give me an example of a time when you had to prioritize multiple tasks and manage your time effectively.

Answer:

Situation: During a peak season with a heavy workload, I was responsible for underwriting a large number of insurance applications while simultaneously addressing customer inquiries and resolving policy issues.

Task: My task was to prioritize tasks effectively, manage my time efficiently, and meet all deadlines without compromising the quality of my work.

Action: I created a prioritized task list, allocating specific time slots for each task. I communicated my schedule to my team and stakeholders to ensure alignment and avoid conflicts. I also utilized time management techniques such as the Pomodoro Technique to stay focused and maintain productivity.

Result: I successfully completed all underwriting applications on time and resolved customer issues promptly. My ability to prioritize tasks, manage my time effectively, and maintain a high level of productivity contributed to the smooth operation of the underwriting department during a busy period.

4. Question: Can you recall a situation where you had to persuade someone to see your point of view?

Answer:

Situation: As an Insurance Underwriter, I encountered a situation where a client was hesitant to accept my proposed insurance premium. They believed the premium was too high and did not align with their expectations.

Task: My task was to persuade the client to understand the rationale behind the premium and accept my recommendation.

Action: I meticulously explained the factors that influenced the premium calculation, including the client’s risk profile, industry trends, and historical claims data. I provided concrete examples and data to support my arguments and demonstrated how the premium was fair and competitive.

Result: Through my persuasive communication and transparent approach, I successfully convinced the client to accept the proposed premium. This experience highlighted my ability to persuade stakeholders, address objections, and build trust.

5. Question: Tell me about a situation where you faced a challenge and how you overcame it.

Answer:

Situation: During an underwriting review, I discovered a potential fraud attempt in an insurance application. The applicant had intentionally misrepresented information to obtain a lower premium.

Task: My task was to investigate the matter thoroughly, gather evidence, and take appropriate action to protect the company’s interests.

Action: I conducted a comprehensive investigation, reviewing the application, supporting documentation, and conducting interviews with relevant parties. I collaborated with the claims department and legal counsel to build a strong case against the applicant.

Result: Based on the evidence gathered, the company denied the insurance application and reported the attempted fraud to the appropriate authorities. My proactive approach and attention to detail helped prevent financial loss and protected the company’s reputation.

6. Question: Describe a time when you had to work as part of a team to achieve a common goal.

Answer:

Situation: As part of a cross-functional team, I collaborated with actuaries, claims adjusters, and sales representatives to develop a new insurance product that met the specific needs of a target market.

Task: My task was to contribute my underwriting expertise to the product development process, ensuring that the product was financially sound and aligned with the company’s risk appetite.

Action: I actively participated in team meetings, providing valuable insights on risk assessment, pricing, and policy terms. I worked closely with other team members to address challenges and find innovative solutions.

Result: The team successfully developed and launched the new insurance product, which was well-received by the target market and generated significant revenue for the company. This experience demonstrated my ability to collaborate effectively, contribute to a team’s success, and achieve common goals.

7. Question: Can you give me an example of a time when you had to take initiative and go above and beyond?

Answer:

Situation: While reviewing an insurance application, I noticed a discrepancy in the applicant’s financial statements. The discrepancy could have potentially led to an incorrect underwriting decision.

Task: My task was to investigate the discrepancy promptly and take appropriate action to ensure the accuracy of the underwriting process.

Action: I reached out to the applicant to clarify the discrepancy and obtained the necessary supporting documentation. I thoroughly reviewed the additional information and updated the underwriting file accordingly.

Result: By taking the initiative to address the discrepancy, I prevented a potential underwriting error and ensured the accuracy of the risk assessment. This proactive approach demonstrated my attention to detail, commitment to accuracy, and willingness to go above and beyond to maintain the integrity of the underwriting process.

Like a phone call interview – with your own AI interview coach.

Enter job title and company

Practice effectively for your dream job.

Get asked job-specific questions

Your AI interview coach will speak and ask you questions.

Speak back and view private feedback

Your coach will listen to you speak and reply with follow-up questions and private feedback.

Interview Feedback

Improve from real feedback

Frustrated by never hearing feedback from your interviews? We get it. Interview Smile is your way to get real feedback on how you did and to help you answer questions better. Come into your next job interview empowered with superhuman interview readiness.

Go from nervous to confident

Practice with your AI coach as much as you want to calm your interview nerves. Hone your pitch and boost your confidence with Interview Smile.

Interview Practice