Life Underwriter

Posted: 2026-09-18

About Ethos

Ethos (Nasdaq: $LIFE) is a leading life insurance technology company on a mission to protect families by democratizing access to life insurance and empowering agents at scale. With its robust three-sided technology platform, Ethos is transforming the life insurance experience for consumers, agents, and carriers alike. Ethos offers instant, accessible products and a seamless online process that requires no medical exams and just a few health questions; it eliminates traditional barriers, making it easier than ever for everyone to protect their families. Ethos is redefining how life insurance is bought, sold, and underwritten.

Are you a life insurance underwriter with 3+ years of experience, who is passionate about the profession of underwriting? Are you interested in getting in on the ground floor of a growing team at an insurtech startup? Would you enjoy working in a collaborative environment where your opinion matters?

- 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

- 3-5+ 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