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Bestow is a vertical technology platform serving major life insurers, unifying legacy underwriting and distribution infrastructure to enable carriers to launch products in weeks instead of years. The Quality Engineering team ensures that platform decisions are correct, not just technically functional.
In this Staff-level individual contributor role, you will own test strategy and quality signal for underwriting decisioning across rules changes, evidence ingestion, risk classification, and case outcomes. You'll design test scenarios that reflect real underwriting complexity—combinations of impairments, evidence sources, table ratings, and edge cases that generic test coverage misses. You'll validate rules engine behavior across releases, running regression on decision outcomes rather than just API contracts.
You'll translate underwriting requirements into testable acceptance criteria with underwriters, actuaries, and product teams before code is written. You'll build and extend API-level and data-level automated checks with the core QE team, growing toward full ownership of automation for the underwriting domain. You'll investigate production underwriting discrepancies from root cause analysis through defect prevention, and serve as the QE organization's go-to authority on underwriting correctness.
This is a senior individual contributor role, not a pure automation role and not a management role. Your leverage comes from domain judgment first and tooling second. You'll work with legacy carrier and vendor platforms, navigating ambiguity, incomplete documentation, and some systems archaeology. As the deepest underwriting expert on the QE team, you'll have real influence and often be the only person in the room who can answer critical questions.
Reports to the Quality Engineering Director.
REQUIREMENTS:
- 7+ years in life insurance, with substantial time in or directly adjacent to underwriting: underwriting operations, underwriting systems analysis, new business, or testing underwriting platforms.
- Working fluency with underwriting evidence and process, including application Part 1 and Part 2, Medical Information Bureau (MIB), prescription (Rx) and motor vehicle record (MVR) data, attending physician statement (APS) handling, table ratings, not in good order (NIGO) workflows, and accelerated or automated underwriting programs.
- Hands-on experience configuring, analyzing, or testing at least one underwriting rules engine or decisioning platform (e.g., AURA, Magnum, FAST, or carrier-built engine).
- SQL skills strong enough to independently verify data outcomes.
- Experience writing structured test cases or acceptance criteria and defending quality judgments to engineering and business stakeholders.
- Nice to have: test automation in code (JavaScript/TypeScript, Playwright, pytest, or similar), API testing tools and CI/CD familiarity, and annuities exposure such as suitability review, 1035 exchanges, and income rider mechanics.
