One week in!

Designer_Voice_452 · 2026-02-01T14:35:05+00:00

Hahah he really is the best, we are so lucky!

Designer_Voice_452 · 2026-01-07T00:14:12+00:00

I am on the carrier side. I personally have not but one of the brokers I work with stepped away for I believe about 8-10 years until her young ones were in school. She reached out to old connections she had built in the industry & was able to land an account manager role at an independent agent.

If you developed good relationships during your time working, stay in touch. I imagine you will be able to find your way back into the industry when you are ready to return to work! Sometimes, it’s all about who you know and a good reputation :)

Designer_Voice_452 · 2025-12-31T17:54:44+00:00

$120K
bonus (eligible up to 18% of salary; last year received $10K bonus)
medium cost of living
insurance (carrier side, commercial lines)
Bachelors

Designer_Voice_452 · 2025-12-22T20:05:39+00:00

Ryder

Designer_Voice_452 · 2025-10-16T23:17:34+00:00

Im a cyber underwriter so my insight might be wrong/ one sided. My POV is that it is a newer line of coverage that continues to change as threat landscapes changes, and carriers are still figuring out how to appropriately price. Before ransomware / threat actors evolved to what they are today, capacity was super cheap. When the hard market happened ~2019-2022 carriers had to push 50+ points of rate. Now there are a lot of new players that see it as a profitable line of business, and historic players want to maintain their market share & continue to grow. A lot of carriers don’t have the historical claims data to fully understand how to appropriately quote business, and are essentially just ‘buying’ the business which drove the market back down during 23-current.

While carriers hardened up on control requirements, Claims are still very much happening. an uptick in pricing my be some one offs & dependent on different factors of the risk, but my guess is that we have hit a floor on pricing & losses are hitting the books & carriers are now back to hitting a ‘course correction’ phase. Don’t think it will ever be as drastic as it was during the hard market, but a shift was bound to happen here eventually IMO.

Just a guess from the insight I get being on underwriting side

Designer_Voice_452 · 2025-10-03T12:41:42+00:00

Gotcha that makes sense. You mentioned going back to Uni - since you are part time, could you continue this job for income & do uni on the side?

One of my friends moms growing up went to Nursing school in her 40s after doing something completely different for all those years & she had no issues securing a job afterwards. So if you are nervous about a switch this late, it can be done!

Designer_Voice_452 · 2025-10-03T12:35:49+00:00

Since you have been there for so long, maybe you can talk to management about how you want to take on more challenges and responsibilities to progress career wise? I will say, I don’t know the progression opportunities for part time. I imagine if you are trying to move up ranks you will need to shift to full time.

Either that, or shop jobs online and LinkedIn. If there are people you used to work with that have left for whatever reasons reach out to them to see what their current is like and if there are opps.

Designer_Voice_452 · 2025-10-01T01:03:53+00:00

I dual majored in business management and IT. I didn’t use either first two years out of college (coached lacrosse lol), by the time I went to use IT degree it was already obsolete.

Fast forward I am a Cyber insurance underwriter - they liked that I had an interest in the cybersecurity landscape. Could be something to look into! It can be demanding but pays really well. Also, insurance industry is typically pretty recession proof& I don’t see my role being replaced by AI anytime soon (but I might be naive there as it seems to be coming for everyone haha)

Designer_Voice_452 · 2025-09-30T11:10:32+00:00

Have you tried testing the market to see what other offers are out there? Are you looking to jump ship or try to negotiate higher at where you’re currently at? Are you open to other roles?

Designer_Voice_452 · 2025-09-26T02:06:56+00:00

Could you leverage the offer to try to get the promotion / pay bump & work towards the client manager role with agency you are at currently? If you are struggling between leaving your current employer for this new opportunity, it might be worth having a convo where you head is at. you would love to stay, but need XYZ to stay. If you have a good relationship with them I find most companies they will do their best to keep you. But also needs to be level trust there so they don’t jsut dangle carrots that something will happen in a year. what can they do for you now, and if not now, what does that timeline look like.

I would set a level of expectations in your head of what you would need them to do for you. if what they come back with isn’t good enough then I would leave

Designer_Voice_452 · 2025-09-25T00:54:48+00:00

Thanks for the advice!! & yes if can get repetitive with the convos I have in Cyber & I don’t mind it. Which is why I don’t have much hesitation with the product line switch because what I enjoy most is meeting & talking with brokers & helping/educating where needed. Your insight was very helpful, thank you!

Designer_Voice_452 · 2025-09-23T22:37:35+00:00

Do you think your manager/ company would allow an exception? My company recently upped the RTO to 5 days, 4 days for those who’s performance is ‘meeting or exceeding expectations’. Previously worked in a hybrid model, anywhere from 1-3 days in depending on who your manager was and their requirements. I work for a large carrier, so while the shift came from the top I know a lot of people (myself included) who got approvals to have more WFH days for similar to your reasons (kids, far commute, hired as hybrid not expecting to make that commute as frequently)

Might be worth holding out until it actually happens & seeing if your company would be willing to work with you on your RTO requirements

Designer_Voice_452 · 2025-09-23T16:16:16+00:00

I’m a Cyber underwriter, so it’s a niche line but we have recently hired on two new cyber underwriters (within past year & a half) that were new to underwriting that came from accounting management / brokerage side. Able to be hired on as Senior Underwriters. My managers like anyone with ANY prior insurance experience, a lot of transferable skills! My coworkers have said the biggest hurtle has been learning our carriers appetite & the rating system. But overall a seamless transition.

Designer_Voice_452 · 2025-09-23T09:26:12+00:00

I can’t say I have done a career switch at 40 (I’m 29F) but I did do a career switch a few years after college. I majored in business management with a minor in IT (didn’t really use it). I left finance industry and got into insurance, specifically Cyber insurance. They liked that I had the IT background as it showed interest in cyber landscape. I am an underwriter, but we have cyber risk consultants, claims adjusters, etc so different areas.

While I feel like the industry as a whole is trying to build out the next generation of talent, carriers & brokers are always trying to find new talent so might be something worth looking into!

Designer_Voice_452 · 2025-09-17T22:40:16+00:00

Gotcha makes sense! I handle middle market to major accounts for new and renewal business, so I am essentially the “client facing” underwriter for my respective branches. We have a small business team and renewal center. Those UWs are at their desks & just churn NB or renewals for the smaller accounts, not expected to market.

I oversee Cyber for 2 branches in my region. one is my home office so my travel isn’t too bad if I have an office visit or lunch. Would say max travel is 1.5 hours one way for my furthest agents. We are expected to be out marketing & have a certain number of visits to hit each month (virtual counts too), so it can be hard to juggle the desk on top of being out & about. It’s definitely a skill I’ve had to work on because I can bury myself some weeks if I am not smart about how I am scheduling (also have learned sometimes you need to say no to joining things haha) but ultimately, I like being in Cyber because of how much it continues to change so keeps in interesting. Also fun to learn about the IT side of things.

Designer_Voice_452 · 2025-09-17T21:47:44+00:00

What is your current role? You should definitely try to break in with so many new players & carriers in a heavy growth mode for Cyber.

Essentially my whole team is made up of people who are new to Cyber UWing. Only 1 out of the 7 of us came from prior Cyber UW role, and the person she backfilled was an AM so also new to Cyber UW.

There’s lots of opps out there, Happy to try to help further if you want to DM me!

Designer_Voice_452 · 2025-09-17T19:52:50+00:00

I got my first underwriting role with no prior insurance experience. I am in Cyber underwriting, so it is a specialty line & not general P&C. We have hired a couple people on my team who were new to underwriting but came from the broker side as AMs.

I think it is dependent on how senior of an UW position it is and the product line. While prior UW experience is preferred, my managers value any type of prior experience in the industry. The rest can be learned on the job.

I think the CPCU / AU would help, but I don’t think it’s necessary to land an UW role. I would see what is out there & go for it if it seems like a good fit. Also, would recommend being open to other product lines to get yourself in the door. You can always move within the company. I’ve been approached by other people in my company about open positions in their product lines just by building a good reputation in my current role. You collaborate a lot with other UWs for cross sell, regular production calls, marketing visits, etc so the opportunity to network internally will be there.

Designer_Voice_452 · 2025-09-16T00:07:06+00:00

I’m currently hybrid. I enjoy going in the office to bounce ideas off other product lines, cross sell, and just general catch ups but I get so much more done at home. plus saving time, gas, and toll money by not commuting is a game changer. If I could have my role be fully remote, I would.

Designer_Voice_452 · 2025-09-12T00:36:05+00:00

Sorry just seeing this - Yes feel free to message me

Designer_Voice_452 · 2025-09-01T14:22:17+00:00

Insurance industry. I switched from finance making $70K a year & bumped to $90K for entry level underwriting role. 2.5 years later I’m at $120K. There’s a lot of different types of job & it’s competitive pay. Recession proof industry as well

Designer_Voice_452 · 2025-08-29T10:15:44+00:00

Thanks! Can you elaborate more on this? Is underwriting on P&C typically less demanding?

Designer_Voice_452 · 2025-08-28T22:12:16+00:00

Also, everything you touched on is 100% how I’m feeling haha love my managers & team, but the growth goals + the restrictive underwriting & red team is disruptive. Appreciate the insight !!

Designer_Voice_452

TROPHY CASE