Senior Life Underwriter

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?

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

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

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
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.