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 environment 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:

- 57+ 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 team-oriented 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

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