Staff Software Engineer, Life & Annuity Specialist

Salary: $180K - $225K Location Type: Remote Employment Type: Full-Time

About Bestow

Bestow is a leading insurance technology platform serving some of the world's largest and most innovative life insurers. Our mission is to increase financial stability for everyone. Bestow is a team of mission-driven, results-oriented individuals. We offer all employees a remote (contiguous 48 only)/hybrid workplace, meaningful benefits, substantial growth opportunities, and equity.

Bestow participates in the E-Verify Program.

About the Team

The Engineering team is responsible for all technology for Bestow and the Bestow Platform, serving employees, consumers, and enterprise customers. In addition to building software, we integrate and manage many third-party products. Our major functional teams include product engineering, infrastructure, IT, data & analytics, MarTech, and program management. Engineering works closely with product management and design to define and prioritize the product roadmap.

As a Staff Software Engineer, Life & Annuity Specialist on the Engineering team, you will work closely with Product Managers, Actuaries, and Insurance Specialists to develop and support solutions for complex cash-value insurance products, including Indexed Universal Life (IUL), Variable Universal Life (VUL), and annuities. You will collaborate with teams across Bestow to plan and execute the product roadmap for these sophisticated financial products. Our system is composed of several modular services that integrate with other services using modern communication patterns.

What You'll Do

• Develop systems and provide technical leadership to software teams, supporting complex insurance product calculations, policy administration, and regulatory compliance for cash-value insurance products.
• Leverage your experience with insurance software and expertise with insurance products to influence software architecture decisions.
• Help build new platform capabilities that can handle complex actuarial calculations, investment tracking, and policy value computations as we expand our product suite to include sophisticated insurance products with intricate financial mechanics.
• Work remotely, requiring effective written communication and teleconference skills.

Who You Are

You would be a good fit for this role if you:

• Seek out problems and opportunities, proactively proposing solutions.
• Are interested in the business and want to understand how your role contributes to its success.
• Take responsibility for the quality of your work and the services we provide to stakeholders.
• Write maintainable software, including automated tests.
• Provide thoughtful and respectful feedback to peers and are receptive to feedback from them.
• Ensure features are observable and monitored for failure.
• Work well with actuaries, product managers, insurance specialists, and other engineers.

Required Experience:

• 8+ years of professional software development experience.
• Experience building financial calculation engines or working with complex mathematical computations.
• Understanding of insurance industry concepts, particularly life insurance products and their mechanics.
• Experience with actuarial calculations, present value computations, or financial modeling.
• Familiarity with regulatory compliance requirements in financial services.
• Experience working with distributed systems that handle sensitive financial data.
• Experience with relational databases and complex data modeling.
• Experience designing APIs for financial systems.
• Experience building, deploying, operating, and troubleshooting mission-critical financial software.

Preferred Additional Experience:

• Knowledge of cash-value insurance products (IUL, VUL, whole life, annuities).
• Understanding of investment account management and market indexing.
• Experience with insurance policy administration systems.
• Familiarity with actuarial software or financial calculation libraries.