Senior Life Underwriter
Ethos Life
Salary undisclosed
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Description
About Ethos
Ethos (Nasdaq: $LIFE) is a leading life insurance technology company on a mission to protect families by democratizing access to life insurance and empowering agents at scale. With its robust three-sided technology platform, Ethos is transforming the life insurance experience for consumers, agents, and carriers alike. Ethos offers instant, accessible products and a seamless online process that requires no medical exams and just a few health questions; it eliminates traditional barriers, making it easier than ever for everyone to protect their families. Ethos is redefining how life insurance is bought, sold, and underwritten.
About the role
Are you a life insurance underwriter with 5+ years of experience, who is passionate about the profession of underwriting? Are you interested in getting in on the ground floor of a growing team at an insurtech startup? Would you enjoy working in a collaborative environment where your opinion matters?
Duties and Responsibilities:
- Understand underwriting policies, guidelines, practices and procedures
- Determine whether to accept, modify, or decline a risk through evaluation of an individual's medical history or physical condition, occupational hazard, and financial background
- Communicate effectively both written and verbally to explain underwriting decisions
- Influence and champion changes to improve processes while maintaining mortality expectations Work efficiently to gather information necessary for decision making
- Ability to independently work assigned requests with minimal direction
- Comfortable with ambiguity
Qualifications and Skills:
- 5–7+ years of experience in medical Life/Health Underwriting (US-based underwriting experience is a plus)
- Experience assessing and summarizing Attending Physician Statements (APS) and Electronic Health Records (EHR) is highly preferred
- Demonstrated knowledge of all aspects of risk selection — medical, non-medical, and financial
- Strong critical thinking and independent problem-solving skills
- Positive, inclusive, agile, and collaborative mindset
- Strong verbal and written communication skills
- Experience underwriting both term and permanent life insurance products
- In-process or completed industry designations (e.g., LOMA, ALMI, FMLI, ALU, FALU) preferred
#LI-Onsite
#LI-PA1
Don’t meet every single requirement? If you’re excited about this role but your past experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyway. At Ethos we are dedicated to building a diverse, inclusive and authentic workplace.
We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Pursuant to the SF Fair Chance Ordinance, we will consider employment for qualified applicants with arrests and conviction records.
To learn more about what information we collect and how it may be used, please refer to our California Candidate Privacy Notice.
Recruitment Notice: Please be aware of recruitment scams. All legitimate communication from our team will only come from email addresses ending in @ethos.com or @getethos.com.
We will never ask for payment, banking details, or sensitive personal information during the hiring process. If you are contacted by someone claiming to represent us from a different email address, please treat it as fraudulent.
Benefits
- life insurance
About this role
Ethos Life is seeking an experienced life underwriter to join its growing team in Bangalore. This role sits at the center of the company's mission to simplify life insurance through technology, and you would be responsible for evaluating applications by assessing medical history, health records, occupational factors, and financial background to make underwriting decisions. The work involves reviewing Attending Physician Statements and Electronic Health Records, communicating your decisions clearly to stakeholders, and identifying ways to streamline processes without compromising mortality expectations. You'll work independently on assigned cases while collaborating with a team that values your input.
This position suits someone with 5–7+ years of medical life or health underwriting experience who is comfortable working with ambiguity and taking ownership of decisions. Familiarity with both term and permanent life insurance products, strong critical thinking, and the ability to work efficiently under minimal direction are essential. Experience with US-based underwriting and professional designations like LOMA, ALMI, or ALU are preferred but not required. If you're drawn to the insurtech space and want to contribute to a company reshaping how life insurance is underwritten, this is an on-site, full-time opportunity to make an impact from the ground floor of a growing operation.
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Pay for this role
The employer didn't post a pay range for this role. That usually means pay is set in negotiation, which favors whoever arrives with numbers. Check ranges on comparable Senior Life Underwriter postings in Bangalore, and analyze any offer before you accept it.
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