Junior Insurance Auditor

Most days are a mix of claims sampling, premium testing, and workpaper documentation. You'll often pull a batch of claims files to verify that reserves were set appropriately, that documentation supports the payments made, and that policy provisions were applied correctly. Premium audits — testing whether the right premium was charged for the actual exposure — show up regularly, especially in property and casualty work.

What's harder than people expect is the regulatory layering — state insurance departments, NAIC standards, GAAP and statutory accounting all overlap, and getting the framework right matters. Variance is significant between public accounting firms (multiple carriers per year, SOX and statutory audits), internal audit at a carrier (deeper familiarity with one book), and regulatory examiners (state-level work). CPA, eventually CIA, with FLMI or CPCU as industry credentials tend to shape advancement.

People who tend to thrive here are comfortable with technical regulation, patient with documentation review, and able to spot small inconsistencies in big datasets. If you want consumer-facing claims or sales work, the audit pace can feel academic. If you find satisfaction in verifying that an insurance company is doing what it told regulators and customers it would, the work tends to be steady and increasingly specialized.