An insurance underwriter is a professional who evaluates and analyzes the risks involved in insuring people and assets. They work for insurance companies and are responsible for assessing clients risk exposure to determine if they can be approved for coverage. Underwriters use specialized software, actuarial data, and statistical analysis to determine the likelihood and magnitude of a risk. They also establish pricing for accepted insurable risks. Insurance underwriters typically specialize in one insurance line, such as healthcare, property, or car insurance. The primary role of an insurance underwriter is to assess clients risk exposure to determine if they can be accepted for coverage, but their scope of work goes beyond this. Some of their duties and responsibilities include evaluating insurance applications, deciding whether to approve them, and specifying the terms and costs associated with insurance policies. Underwriters also use a range of metrics to determine premium pricing and the terms and conditions of coverage, bearing in mind the companys ability to maintain profit. To be a successful and respected underwriter, one needs a strong work ethic, being organized and methodical in their work while being able to meet tight deadlines.