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Senior Life Underwriter

Bangalore, India

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, 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 , 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.

To learn more about what information we collect and how it may be used, please refer to our California Candidate Privacy Notice.

Recruitment Notice: Please be aware of recruitment scams. All legitimate communication from our team will only come from email addresses ending in @ethos.com or @getethos.com. We will never ask for payment, banking details, or sensitive personal information during the hiring process. If you are contacted by someone claiming to represent us from a different email address, please treat it as fraudulent. Create a Job Alert

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Are you willing to work onsite in Bangalore?*

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Are/were you or anyone in your immediate family a government official?*

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Please confirm whether the government official mentioned above has any direct or indirect association with Ethos, its employees, partners, or business dealings. If yes, please provide details.*

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Do you have minimum 5 years of US Medical Underwriting experience?*

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We use Greenhouse’s AI-powered Talent Matching tool to compare your application against our job requirements. Please refer to our US Resident Assisted Automated Decision Making Notice on our careers page for more details.

Learn more

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, 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 , 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.

To learn more about what information we collect and how it may be used, please refer to our California Candidate Privacy Notice.

Recruitment Notice: Please be aware of recruitment scams. All legitimate communication from our team will only come from email addresses ending in @ethos.com or @getethos.com. We will never ask for payment, banking details, or sensitive personal information during the hiring process. If you are contacted by someone claiming to represent us from a different email address, please treat it as fraudulent. 244 results found

No results found

- Afghanistan+93
- Åland Islands+358
- Albania+355
- Algeria+213
- American Samoa+1
- Andorra+376
- Angola+244
- Anguilla+1
- Antigua & Barbuda+1
- Argentina+54
- Armenia+374
- Aruba+297
- Ascension Island+247
- Australia+61
- Austria+43
- Azerbaijan+994
- Bahamas+1
- Bahrain+973
- Bangladesh+880
- Barbados+1
- Belarus+375
- Belgium+32
- Belize+501
- Benin+229
- Bermuda+1
- Bhutan+975
- Bolivia+591
- Bosnia & Herzegovina+387
- Botswana+267
- Brazil+55
- British Indian Ocean Territory+246
- British Virgin Islands+1
- Brunei+673
- Bulgaria+359
- Burkina Faso+226
- Burundi+257
- Cambodia+855
- Cameroon+237
- Canada+1
- Cape Verde+238
- Caribbean Netherlands+599
- Cayman Islands+1
- Central African Republic+236
- Chad+235
- Chile+56
- China+86
- Christmas Island+61
- Cocos (Keeling) Islands+61
- Colombia+57
- Comoros+269
- Congo - Brazzaville+242
- Congo - Kinshasa+243
- Cook Islands+682
- Costa Rica+506
- Côte d’Ivoire+225
- Croatia+385
- Cuba+53
- Curaçao+599
- Cyprus+357
- Czechia+420
- Denmark+45
- Djibouti+253
- Dominica+1
- Dominican Republic+1
- Ecuador+593
- Egypt+20
- El Salvador+503
- Equatorial Guinea+240
- Eritrea+291
- Estonia+372
- Eswatini+268
- Ethiopia+251
- Falkland Islands+500
- Faroe Islands+298
- Fiji+679
- Finland+358
- France+33
- French Guiana+594
- French Polynesia+689
- Gabon+241
- Gambia+220
- Georgia+995
- Germany+49
- Ghana+233
- Gibraltar+350
- Greece+30
- Greenland+299
- Grenada+1
- Guadeloupe+590
- Guam+1
- Guatemala+502
- Guernsey+44
- Guinea+224
- Guinea-Bissau+245
- Guyana+592
- Haiti+509
- Honduras+504
- Hong Kong SAR China+852
- Hungary+36
- Iceland+354
- India+91
- Indonesia+62
- Iran+98
- Iraq+964
- Ireland+353
- Isle of Man+44
- Israel+972
- Italy+39
- Jamaica+1
- Japan+81
- Jersey+44
- Jordan+962
- Kazakhstan+7
- Kenya+254
- Kiribati+686
- Kosovo+383
- Kuwait+965
- Kyrgyzstan+996
- Laos+856
- Latvia+371
- Lebanon+961
- Lesotho+266
- Liberia+231
- Libya+218
- Liechtenstein+423
- Lithuania+370
- Luxembourg+352
- Macao SAR China+853
- Madagascar+261
- Malawi+265
- Malaysia+60
- Maldives+960
- Mali+223
- Malta+356
- Marshall Islands+692
- Martinique+596
- Mauritania+222
- Mauritius+230
- Mayotte+262
- Mexico+52
- Micronesia+691
- Moldova+373
- Monaco+377
- Mongolia+976
- Montenegro+382
- Montserrat+1
- Morocco+212
- Mozambique+258
- Myanmar (Burma)+95
- Namibia+264
- Nauru+674
- Nepal+977
- Netherlands+31
- Current Caledonia+687
- Current Zealand+64
- Nicaragua+505
- Niger+227
- Nigeria+234
- Niue+683
- Norfolk Island+672
- North Korea+850
- North Macedonia+389
- Northern Mariana Islands+1
- Norway+47
- Oman+968
- Pakistan+92
- Palau+680
- Palestinian Territories+970
- Panama+507
- Papua New Guinea+675
- Paraguay+595
- Peru+51
- Philippines+63
- Poland+48
- Portugal+351
- Puerto Rico+1
- Qatar+974
- Réunion+262
- Romania+40
- Russia+7
- Rwanda+250
- Samoa+685
- San Marino+378
- São Tomé & Príncipe+239
- Saudi Arabia+966
- Senegal+221
- Serbia+381
- Seychelles+248
- Sierra Leone+232
- Singapore+65
- Sint Maarten+1
- Slovakia+421
- Slovenia+386
- Solomon Islands+677
- Somalia+252
- South Africa+27
- South Korea+82
- South Sudan+211
- Spain+34
- Sri Lanka+94
- St. Barthélemy+590
- St. Helena+290
- St. Kitts & Nevis+1
- St. Lucia+1
- St. Martin+590
- St. Pierre & Miquelon+508
- St. Vincent & Grenadines+1
- Sudan+249
- Suriname+597
- Svalbard & Jan Mayen+47
- Sweden+46
- Switzerland+41
- Syria+963
- Taiwan+886
- Tajikistan+992
- Tanzania+255
- Thailand+66
- Timor-Leste+670
- Togo+228
- Tokelau+690
- Tonga+676
- Trinidad & Tobago+1
- Tunisia+216
- Turkey+90
- Turkmenistan+993
- Turks & Caicos Islands+1
- Tuvalu+688
- U.S. Virgin Islands+1
- Uganda+256
- Ukraine+380
- United Arab Emirates+971
- United Kingdom+44
- United States+1
- Uruguay+598
- Uzbekistan+998
- Vanuatu+678
- Vatican City+39
- Venezuela+58
- Vietnam+84
- Wallis & Futuna+681
- Western Sahara+212
- Yemen+967
- Zambia+260
- Zimbabwe+263

We use Greenhouse’s AI-powered Talent Matching tool to compare your application against our job requirements. Please refer to our US Resident Assisted Automated Decision Making Notice on our careers page for more details.

Learn more

📌 Senior Life Underwriter (Bengaluru)
🏢 StartX Med
📍 Bengaluru