Senior Life Underwriter

About this role

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Skills you'll use

What you'll do

• Understand underwriting policies, guidelines, practices and procedures
• Determine whether to accept, modify, or decline a risk through evaluation of an individual's medical history or physical condition, occupational hazard, and financial background
• Communicate effectively both written and verbally to explain underwriting decisions
• Influence and champion changes to improve processes while maintaining mortality expectations Work efficiently to gather information necessary for decision making
• Ability to independently work assigned requests with minimal direction
• Comfortable with ambiguity
• 5–7+ years of experience in medical Life/Health Underwriting (US-based underwriting experience is a plus)
• Experience assessing and summarizing Attending Physician Statements (APS) and Electronic Health Records (EHR) is highly preferred

Who can apply

• 5–7+ years of experience in medical Life/Health Underwriting (US-based underwriting experience is a plus)
• Experience assessing and summarizing Attending Physician Statements (APS) and Electronic Health Records (EHR) is highly preferred
• Demonstrated knowledge of all aspects of risk selection — medical, non-medical, and financial
• Strong critical thinking and independent problem-solving skills
• Positive, inclusive, agile, and collaborative mindset
• Strong verbal and written communication skills
• Experience underwriting both term and permanent life insurance products
• In-process or completed industry designations (e.g., LOMA, ALMI, FMLI, ALU, FALU) preferred
• Don’t meet every single requirement? If you’re excited about this role but your past experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyway. At Ethos we are dedicated to building a diverse, inclusive and authentic workplace.
• We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Pursuant to the SF Fair Chance Ordinance, we will consider employment for qualified applicants with arrests and conviction records.

About Ethos Life

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