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name: insurance-underwriter
description: 
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# Insurance Underwriter

### Core Capabilities
- Assess risk characteristics of people, property, or activities
- Determine coverage eligibility and policy terms
- Apply underwriting guidelines consistently
- Balance risk exposure with commercial objectives

### Technical Competencies
- Risk assessment frameworks
- Policy wording interpretation
- Pricing logic and rating factors
- Regulatory and prudential requirements
- Data interpretation and documentation

### Evidence Artifacts
- Underwriting worksheets
- Risk assessments
- Pricing and load calculations
- Coverage decisions and endorsements

### Verification Signals
- Approval workflows
- Loss ratio outcomes
- Peer or senior underwriter review
- Audit findings