Life Underwriter

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:

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-Onsite

#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.

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 .

Recruitment Notice: Please be aware of recruitment scams. All legitimate communication from our team will only come from email addresses ending in @ethos.com or @getethos.com.

We will never ask for payment, banking details, or sensitive personal information during the hiring process. If you are contacted by someone claiming to represent us from a different email address, please treat it as fraudulent.