Senior Life Underwriter

Ethos Life Technologies; Bengaluru; On-site; INR 1,200,000 - 2,000,000; Full time

Job summary

Ethos Life Technologies is seeking an experienced life insurance underwriter with a strong background in medical Life/Health underwriting and a track record of evaluating APS and EHR data. The role emphasizes risk assessment across medical, non-medical, and financial factors, with a collaborative, process-improvement mindset.

The ideal candidate demonstrates critical thinking, independent problem-solving, and exceptional written and verbal communication.

Qualifications

• Experience in medical Life/Health underwriting.
• Experience assessing APS and EHR preferred.
• Knowledge of risk selection—medical, non-medical, and financial.
• Strong critical thinking and independent problem-solving.
• Excellent verbal and written communication skills.
• Experience underwriting term and permanent life products.

Responsibilities

• Understand underwriting policies, guidelines, practices and procedures.
• Determine whether to accept, modify, or decline a risk based on medical history, occupational hazard, and financial background.
• Communicate underwriting decisions clearly in writing and verbally.
• Influence changes to improve processes while maintaining mortality expectations.
• Independently handle assigned requests with minimal direction.
• Adapt to ambiguity and work efficiently in evolving environments.

Skills

Medical Life/Health underwriting

US-based underwriting

APS/EHR review

Risk assessment

Critical thinking

Communication skills

Life insurance underwriting

Industry designations preferred

Job description

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:

• 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:

• 57+ 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