An underwriter's job is stressful, that's why he belongs to the top of the insurance company's hierarchy. An underwriter assesses the risks involved in a insurance application after the agents have finished gathering data for it. The underwriter follows critical points to find out whether a car insurance applicant, for instance, is a good investment. The criteria would have to depend on the applicant's driving record, his zip code, the status of the car he is driving, and even his age.
