Ethos Life

Senior Life Underwriter, Underwriting Strategies

United States

Not SpecifiedCompensation
Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Insurtech, Life Insurance, Financial ServicesIndustries

Requirements

Candidates should have 3-5+ years of life new business underwriting and case management experience, with extensive experience using underwriting rules engines and rules management. Comfort working in an agile environment and leveraging systems like JIRA is required, along with an understanding of data and models in the underwriting process. The ability to communicate results and needs among multiple parties, a record of identifying opportunities and delivering solutions quickly, and a desire to be a team player in a dynamic environment are essential. An obsession with the customer and the ability to challenge the status quo are also necessary qualifications.

Responsibilities

The Senior Life Underwriter will be responsible for the ongoing analysis and monitoring of rules engine and workbench performance, as well as the continued review of evidence and synthesis of underwriting data from all sources. They will work with the Head of Underwriting Strategies to assess business risk for changes to underwriting guidelines and create specific recommendations and action plans to drive automated underwriting decisions and process improvement. This role involves acting as both an owner and contributor to multiple projects, solidifying protocols for rule and system enhancements, and maintaining appropriate documentation for underwriting criteria, guidelines, and workflows. The individual will prioritize system decisions based on business need, business case, and ROI, serve as an underwriting process expert and liaison to cross-functional teams, and ensure end-user proficiency with new systems through training and updates. Additionally, they will work with engineers as a business liaison to efficiently integrate new data, models, partners, programs, and applications.

Skills

Underwriting
Data Analysis
Rules Engine
Process Improvement
Risk Assessment
Underwriting Guidelines
Predictive Analytics
Technology

Ethos Life

Online life insurance with no medical exams

About Ethos Life

Ethos Life provides life insurance solutions through a fully online platform, making it easier for individuals and families to obtain coverage without the need for medical exams. The application process is streamlined, allowing potential clients to receive instant quotes and often get approved within minutes by answering specific health and lifestyle questions. This approach contrasts with traditional life insurance methods, which can be lengthy and cumbersome. Ethos Life sells term and whole life insurance policies through partner carriers and earns commissions on these sales. Additionally, the company offers complimentary estate planning tools, such as free wills, to enhance the customer experience and set itself apart from competitors. The goal of Ethos Life is to provide straightforward and affordable life insurance options while simplifying the overall process for its customers.

Austin, TexasHeadquarters
2016Year Founded
$395.4MTotal Funding
SERIES_DCompany Stage
Financial ServicesIndustries
501-1,000Employees

Risks

Departure of key executives like CFO Anan Kashyap may affect financial strategy.
Class action lawsuit under Illinois genetic privacy law could harm Ethos's reputation.
Recent layoffs may indicate financial strain, affecting employee morale and performance.

Differentiation

Ethos Life offers a fully online life insurance application process, eliminating medical exams.
The company provides complimentary estate planning tools, enhancing customer value and experience.
Ethos partners with major insurers like Legal & General America to ensure policy reliability.

Upsides

Growing demand for no-exam life insurance policies boosts Ethos's market potential.
Increased consumer interest in digital insurance solutions aligns with Ethos's tech-driven model.
Partnerships with companies like Ameritas expand Ethos's product offerings and market reach.

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