Senior Life Underwriter

This role is for a life insurance underwriter with 3+ years of experience, who will be joining a growing team at an insurtech startup. The ideal candidate should have a passion for underwriting and be interested in working in a collaborative environment where their opinion matters. The main responsibilities of the role include understanding underwriting policies and guidelines, evaluating risks based on medical history and financial background, and effectively communicating underwriting decisions. The candidate should also be able to drive process improvements while maintaining mortality expectations and work efficiently to gather necessary information for decision making.

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 tasks and meet deadlines

• 3+ years of experience as a life insurance underwriter
• Familiarity with underwriting policies, guidelines, practices, and procedures
• Ability to evaluate an individual's medical history, physical condition, occupational hazard, and financial background to determine risk acceptance
• Strong written and verbal communication skills
• Ability to independently make underwriting decisions and work with minimal direction
• Comfortable with ambiguity
• 4-year degree preferred
• Demonstrated knowledge of risk selection in medical, non-medical, and financial aspects
• Critical thinking and problem-solving skills
• Positive, inclusive, agile, and collaborative mindset
• Familiarity with term and permanent life insurance underwriting
• In process or completed industry designations such as LOMA, ALMI, FMLI, ALU, FALU

• US national base salary range: $64,000-$104,000
• Additional factors considered for individual pay: work location, job-related skills, experience, and relevant education or training
• Base salary listed in job postings does not include bonus, equity, or benefits
• Equal opportunity employer that values diversity and inclusion
• Multicultural workplace that does not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status
• Consideration of employment for qualified applicants with arrests and conviction records (pursuant to SF Fair Chance Ordinance)