Senior Life Underwriter

Ethos Life

2d • $77,000 - $136,000 • Remote

About The Position

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.

Are you a life insurance underwriter with 5+ years of experience, who is passionate about the profession of underwriting? Do you have a growth mindset and willingness to roll up your sleeves to tackle challenges? Would you enjoy working in a collaborative environment where your opinion matters?

Requirements

• 5-7 years Life/Health Insurance experience
• Demonstrated knowledge of all aspects of risk selection (medical, non-medical, financial)
• Experience with underwriting rules engines
• Term and permanent, adult and juvenile life insurance underwriting
• Growth mindset, ability to think critically and problem solve independently
• Ability to take constructive feedback from peers, auditors and managers
• Positive, inclusive, agile, and collaborative mindset
• Strong verbal and written communication skills
• Desire to be a team player in a dynamic environment

Nice To Haves

• 4 year degree preferred
• In process or completed industry designations, i.e. LOMA, ALMI, FMLI, ALU, FALU

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

Benefits

• The US national base salary range for this full-time position is $77,000 -$136,000.
• Our salary ranges are determined by role, level, and location.
• The range displayed on each job posting reflects the minimum and maximum target for new hire salaries for the position across all US locations.
• Within the range, individual pay is determined by work location and additional factors, including job-related skills, experience, and relevant education or training.
• Please note that the compensation details listed in US role postings reflect the base salary only and do not include applicable bonus, equity, or benefits.
• You can find further details of our US benefits at https://www.ethoslife.com/careers/

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: Associate degree