An insurance underwriter works closely with insurance agents to leverage their direct communication with prospective, new, and existing clients. Serving as the link between insurance companies and agents, they must collect accurate customer information to enter into computer software programs that help them accurately evaluate insurance applications for insurance coverage and calculate their respective premiums. Insurance underwriters collaborate with actuaries and maintain records that allow them to properly assess risk factors associated with insurance policy applicants. They must also weigh the balance between risky and cautious decisions when approving insurance applications. They work full time for insurance agencies, insurance companies, and corporate business entities.