Life Underwriter

Ethos; Bengaluru; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Ethos Bengaluru seeks an experienced life insurance underwriter with 3+ years in underwriting to join a growing insurtech team. You will assess risks, interpret medical histories, and decide on accept/modify/decline decisions, collaborating with cross-functional teams.

The role offers a collaborative environment, opportunities to influence process improvements, and growth within a fast-paced, customer-focused company.

Qualifications

• 4 year degree preferred.
• Demonstrated knowledge of all aspects of risk selection (medical, non-medical, financial).
• Positive, inclusive, agile, and collaborative mindset.
• Strong verbal and written communication skills.
• Term and permanent life insurance underwriting.
• 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.

Skills

Underwriting expertise

Risk assessment

Communication skills

Independent work

Education

Bachelors degree or equivalent

LOMA/ALMI/FMLI/ALU/FALU designation in progress or completed

Job description

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 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 3+ 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

• 4 year degree preferred
• Demonstrated knowledge of all aspects of risk selection (medical, non-medical, financial) Ability to think critically and problem solve independently
• Positive, inclusive, agile, and collaborative mindset
• Strong verbal and written communication skills
• Term and permanent life insurance underwriting
• In process or completed industry designations, i.e. LOMA, ALMI, FMLI, ALU, FALU

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.