Insurance Risk Selection & Coverage Evaluator
Job Description
The opportunity
IXO is seeking insurance underwriters for paid work on risk-selection and coverage reasoning. Specialists from carriers, managing general agents and reinsurers are welcome. The scope includes life, health, property, casualty, commercial, personal, specialty, marine, surety and reinsurance business; you contribute within your actual professional expertise.
Work and deliverables
• Construct cases that connect exposures and financial evidence to policy conditions, exclusions, endorsements, prices and coverage decisions.
• Prepare underwriting decisions, risk assessments, pricing explanations, coverage analyses and referral notes as professional reference answers.
• Assess AI responses against explicit criteria for sound risk selection, correct interpretation of provisions, accurate pricing and defensible judgment.
• Identify policy language that has been misunderstood, inappropriate risk classifications, calculation errors and reasoning that does not support the conclusion.
• Explain findings in written feedback and participate in onboarding discussions and reviewer calibration.
Each case should make its evidence, assumptions and decision rationale clear. A useful deliverable shows why the result follows from the facts and why plausible alternative answers fail the relevant underwriting standard.
Required background
You need at least two years of professional insurance underwriting experience in any line. You must understand how provisions, exclusions, endorsements and rating factors affect price and coverage; weigh risk and exposure evidence; and explain decisions carefully in writing. Balanced judgment and close attention to detail matter. You must distinguish an underwriting determination from an agent’s sales recommendation and from a legal opinion.
Helpful experience
CPCU, CLU, AINS, ARM, AU, FALU or comparable credentials are optional. Experience across multiple lines or specialty risks is useful, as are treaty or facultative reinsurance, actuarial pricing, catastrophe models, regulatory filings, compliance or audit review.
Engagement and pay
Advertised remote pay is $85 • $120/hr USD. At least 20 hours weekly, ideally 40 or more, is an indicative planning assumption only. IXO confirms the actual rate, scope, schedule, start date and duration before work. Applying does not promise immediate work or a stated allocation.
Use only public, synthetic or explicitly authorized material. Do not submit confidential employer information, identifiable client records or material nonpublic information. Training outputs do not authorize live client transactions or formal professional opinions.