About this role
Senior Life Underwriter
About Ethos
Ethos 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:
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Understand underwriting policies, guidelines, practices and procedures
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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
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Communicate effectively both written and verbally to explain underwriting decisions
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Influence and champion changes to improve processes while maintaining mortality expectations Work efficiently to gather information necessary for decision making
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Ability to independently work assigned requests with minimal direction
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Comfortable with ambiguity
Qualifications and Skills:
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5–7+ years of experience in medical Life/Health Underwriting (US-based underwriting experience is a plus)
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Experience assessing and summarizing Attending Physician Statements (APS) and Electronic Health Records (EHR) is highly preferred
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Demonstrated knowledge of all aspects of risk selection — medical, non-medical, and financial
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Strong critical thinking and independent problem-solving skills
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Positive, inclusive, agile, and collaborative mindset
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Strong verbal and written communication skills
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Experience underwriting both term and permanent life insurance products
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In-process or completed industry designations (e.g., LOMA, ALMI, FMLI, ALU, FALU) preferred