{"id":2429915,"url":"https://alion.io/job/ethos-life-underwriter","title":"Life Underwriter","company":{"id":6048,"name":"Ethos","domain":"ethos.com","url":"https://alion.io/company/ethos","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Greenhouse","truth_index":null},"role":"Finance","role_family":"Finance","seniority":"middle","employment_type":null,"work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Bengaluru, India"],"countries":["IN"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":10000,"max_usd":28000,"period":"year","method":"global_role_cell_scaled_by_country","sample_n":2427},"experience_years_min":3,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Agile","optional":false}],"status":"live","first_seen_at":"2025-10-03T10:41:23Z","employer_posted_date":"2026-09-18","last_verified_at":"2026-10-13T20:07:55Z","board_verified":true,"closed_at":null,"days_open":375,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":375},"description":"About Ethos\nEthos (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.\nAbout the Role\nAre 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?\nDuties and Responsibilities:\nUnderstand underwriting policies, guidelines, practices and procedures\nDetermine whether to accept, modify, or decline a risk through evaluation of an individual's medical history or physical condition, occupational hazard, and financial background\nCommunicate effectively both written and verbally to explain underwriting decisions\nInfluence and champion changes to improve processes while maintaining mortality expectations Work efficiently to gather information necessary for decision making\nAbility to independently work assigned requests with minimal direction.\nComfortable with ambiguity.\nQualifications and Skills:\n4 year degree preferred\nDemonstrated knowledge of all aspects of risk selection (medical, non-medical, financial) Ability to think critically and problem solve independently\nPositive, inclusive, agile, and collaborative mindset\nStrong verbal and written communication skills\nTerm and permanent life insurance underwriting\nIn process or completed industry designations, i.e. LOMA, ALMI, FMLI, ALU, FALU\nDon’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.\nWe 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.\nTo learn more about what information we collect and how it may be used, please refer to our California Candidate Privacy Notice.\nRecruitment 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.\n 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.","description_format":"text","description_chars":3171,"description_truncated":false,"requirements":{"experience_years_min":3,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":["Life insurance"],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Life Insurance & Annuities","InsurTech"],"lifecycle":[{"event":"open","at":"2026-10-13T08:40:14Z"}],"visa":[],"liveness":{"score":6,"band":"cold","label":"Long shot","p_open":1,"p_active":0.231,"p_room":0.28,"age_days":375,"expected_fill_days":58,"reasons":["conf:1","win:tail","crowd:"],"computed_at":"2026-10-13T21:52:46Z"},"pay":null,"html_url":"https://alion.io/job/ethos-life-underwriter","json_url":"https://alion.io/job/ethos-life-underwriter.json","meta":{"generated_at":"2026-10-13T21:52:46Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":33371,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-14T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":6048},"rest":"https://alion.io/mcp/rest/get_company?id=6048"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fethos-life-underwriter"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fethos-life-underwriter"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fethos-life-underwriter"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/ethos-life-underwriter\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fethos-life-underwriter"}]}