⛱ Fungsi insurance underwriter diterangkan oleh Investopedia sebagai berikut (http://www.investopedia.com/terms/i/insurance-underwriter.as... ):

Insurance underwriters are employed by insurance companies to help price life insurance, health insurance, commercial liability insurance and homeowners insurance, among others. Underwriters use computer programs and actuarial data to determine the likelihood and magnitude of a claims payout over the life of the policy. Evaluating an insurer's risk prior to the policy period and at renewal is a vital function of an underwriter.

☕ Istilah ini pernah ditanyakan lebih dari 10 tahun silam di forum ini: http://www.proz.com/kudoz/english_to_indonesian/insurance/16... dan saya masih merasa klop dengan jawaban saat itu.

🙋 Mungkinkah satu [polis] asuransi dikaji oleh underwriters (=banyak penilai)? Surjaya ke-2 kiranya dapat menjawab.

★彡 SURJAYA
http://thesis.binus.ac.id/doc/Bab4/BAB IV_05-23.pdf
... berarti memerlukan penilaian risiko yang baru agar produk tersebut mampu memberikan premi yang masuk akal kepada tertanggung ... Untuk itu, perusahaan membutuhkan fungsi underwriter sebagai penilai risiko.

https://www.gresham.ac.uk/lecture/transcript/download/gresha...
Already by this time, many of the contemporary practices of marine insurance were adopted and perfected. Multiple underwriters participated in each policy, assuming a proportion of the sum insured. This spread the risk broadly.