About Ethos
Ethos 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.
About the role
Are you a life insurance underwriter with 5+ 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 setting where your opinion matters?
Duties and Responsibilities:
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
Qualifications and Skills:
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, in

📌 Senior Life Underwriter (Bengaluru)
🏢 Ethos Life
📍 Bengaluru