[Remote] Senior Life Underwriter, Underwriting Strategies at Ethos Life

United States

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Insurtech, Life InsuranceIndustries

Requirements

5-10+ years of life new business underwriting and case management experience
Extensive experience with underwriting rules engines and rules management
Comfortable working in an agile environment and leveraging systems such as JIRA
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 quickly delivering solutions
Desire to be a team player in a dynamic environment
An obsession with the customer and ability to challenge the status quo

Responsibilities

Ongoing analysis and monitoring of rules engine and workbench performance
Continued review of evidence and synthesization of underwriting data from all sources
Work with Head of Underwriting Strategies to assess business risk for changes to underwriting guidelines
Creation of specific recommendations and action plans to drive automated underwriting decisions and process improvement across underwriting and case management
Act as both an owner and contributor to multiple projects and initiatives
Solidify protocols for rule and system enhancements
Maintain appropriate documentation for underwriting criteria, guidelines and workflows
Ability to prioritize system decisions based on business need, business case and ROI
Serve as underwriting process expert and liaison to work cross-functionally with colleagues and partners in product, engineering, operations, finance, marketing, legal, etc
Ensure end-user proficiency with new systems, programs, and applications across departments through onboarding training and regular updates
Work with engineers to serve as a business liaison in order to efficiently integrate new data, models, partners programs, and applications as the need arises

Skills

Key technologies and capabilities for this role

Life UnderwritingUnderwriting StrategiesRules EngineData AnalysisPredictive AnalyticsRisk AssessmentAutomated UnderwritingData Synthesis

Questions & Answers

Common questions about this position

What experience is required for the Senior Life Underwriter role?

The role requires 5-10+ years of life new business underwriting and case management experience, along with extensive experience with underwriting rules engines and rules.

Is this a remote position or does it require office work?

This information is not specified in the job description.

What is the salary or compensation for this position?

This information is not specified in the job description.

What does the company culture at Ethos Life emphasize?

Ethos blends industry expertise, technology, and the human touch to streamline life insurance, fostering a collaborative environment where team members partner across departments like product, engineering, operations, and more to drive improvements.

What makes a strong candidate for this underwriting role?

A strong candidate will have 5-10+ years of underwriting experience, expertise in rules engines, and the ability to communicate across departments, prioritize based on ROI, and act as a liaison between business and engineering teams.

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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