un·der·writ·er
noun/ˈʌndəraɪtə(r)/
/ˈʌndəraɪtər/
- a person or organization that underwrites insurance policies, especially for ships
（尤指船只的）承保人，保险商 - a person whose job is to estimate the risks involved in a particular activity and decide how much somebody must pay for insurance
核保人（对投保项目进行风险评估并决定保险费率）