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Ethos Life is a life insurance technology company transforming how life insurance is bought, sold, and underwritten. The company operates a three-sided platform serving consumers, agents, and carriers, offering instant, accessible products with no medical exams required—just a few health questions.
As a Life Insurance Underwriter, you will evaluate and make underwriting decisions on life insurance applications. You'll assess risk by reviewing applicants' medical history, physical condition, occupational hazards, and financial backgrounds to determine whether to accept, modify, or decline coverage.
Key responsibilities include:
- Understanding and applying underwriting policies, guidelines, practices, and procedures
- Evaluating risk across medical, non-medical, and financial dimensions
- Making independent underwriting decisions with minimal direction
- Communicating underwriting decisions clearly in writing and verbally
- Gathering necessary information efficiently to support decision-making
- Identifying and championing process improvements while maintaining mortality expectations
- Working comfortably with ambiguity in a growing, collaborative startup environment
You should have 3+ years of life insurance underwriting experience, with demonstrated knowledge of term and permanent life insurance products. A 4-year degree is preferred. Industry designations such as LOMA, ALMI, FMLI, ALU, or FALU are valued. You'll need strong critical thinking and problem-solving skills, excellent verbal and written communication, and a collaborative, inclusive mindset. This is an on-site role based in Bangalore.
