The complete guide
Everything about the Insurance Underwriter Test
This test is one part of screening every applicant from one link: add a one-way video interview and resume scoring, and compare candidates in one report.
What is the Insurance Underwriter Test?
The Insurance Underwriter Test is built for underwriting roles in insurers, MGAs and brokers. Principles questions cover utmost good faith, insurable interest, indemnity, subrogation, contribution, reinsurance, adverse selection and moral hazard. Risk questions cover frequency and severity, loss history, physical hazards, accumulation and cyber controls. Policy questions cover deductibles, limits, aggregates, exclusions, warranties, claims-made cover and co-payments. Decision questions cover appetite, authority limits, loss ratios, combined ratios, rating and loadings. The questions are general across lines of business rather than tied to one product or country.
What the Insurance Underwriter Test does not measure
It does not measure knowledge of a specific line of business, your rating tools or local regulation. Check line-specific experience in a recorded interview.
How does the Insurance Underwriter Test work?
The Insurance Underwriter Test is an auto-scored multiple-choice test. Each candidate answers 20 questions drawn at random from a bank of 60, so two candidates rarely see the same set, and most finish in 8 to 12 minutes. The questions are spread evenly across insurance principles, risk assessment, policy terms and underwriting decisions, with a mix of easy, medium and hard items, and the report shows a score for each area as well as an overall score.
Why is the Insurance Underwriter Test important to employers?
Underwriting mistakes show up months later as losses. An underwriter who misses an accumulation, underprices to win volume or writes outside their authority can hurt a portfolio for years. This test shows who understands the principles, reads risk carefully and prices on the risk, before you trust them with a pen.
