Life Underwriter
Join Ethos Life as a Life Underwriter and contribute to transforming the life insurance experience in a collaborative startup environment.
Posted by employer 1 week ago
First seen on Joblaze 6 days ago
Last verified on the company career page 13 hours ago
What you'll build
- Understand underwriting policies, guidelines, practices and procedures
- Determine whether to accept, modify, or decline a risk
- Communicate effectively to explain underwriting decisions
- Influence and champion changes to improve processes
- Work efficiently to gather information necessary for decision making
Must have
- 3-5+ years of experience in medical Life/Health Underwriting
- Experience assessing and summarizing Attending Physician Statements (APS) and Electronic Health Records (EHR)
- Demonstrated knowledge of all aspects of risk selection
- Strong critical thinking and independent problem-solving skills
- Strong verbal and written communication skills
- Experience underwriting both term and permanent life insurance products
Nice to have
- US-based underwriting experience is a plus
- In-process or completed industry designations (e.g., LOMA, ALMI, FMLI, ALU, FALU) preferred
Requirements
- Experience
- 3–5 years
Not disclosed in this posting: compensation, visa sponsorship.
Joblaze summary
The Life Underwriter at Ethos Life is responsible for evaluating individual risks based on medical history, occupational hazards, and financial backgrounds to determine underwriting decisions. This role requires a solid foundation in life and health underwriting, with a preference for candidates experienced in assessing medical records and risk selection. Ideal candidates will have 3-5 years of relevant experience and possess strong critical thinking and communication skills. Ethos Life is a growing insurtech startup that values collaboration and input from its team members.
Joblaze insights
- Listed 6 days ago — first seen on Joblaze September 19, 2026. Last confirmed on Ethos Life's careers page September 25, 2026.
- This exact title is also open at 3 other locations at Ethos Life: Bangalore, India, Bangalore, India, Bangalore, India.
Quick facts
- Is the Life Underwriter role remote?
- It's hybrid — Ethos Life expects some on-site time in Bangalore, India.
- How much experience is required?
- 3–5 years of relevant experience for this Life Underwriter role.
- Where is the role based?
- Ethos Life is hiring for this position in Bangalore, India.
- What seniority level is this role?
- Ethos Life targets mid-level candidates for this position.
- Is this full-time or contract?
- Full-time for this Life Underwriter role at Ethos Life.
From the original posting
About Ethos
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:
- 3-5+ 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
#LI-Hybrid
#LI-KP2
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.
Standard company text repeated across Ethos Life's postings is omitted here.