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? Do you have a growth mindset and willingness to roll up your sleeves to tackle challenges? 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: 5-7 years Life/Health Insurance experience 4 year degree preferred In process or completed industry designations, i.e. LOMA, ALMI, FMLI, ALU, FALU Demonstrated knowledge of all aspects of risk selection (medical, non-medical, financial) Experience with underwriting rules engines Term and permanent, adult and juvenile life insurance underwriting Growth mindset, ability to think critically and problem solve independently Ability to take constructive feedback from peers, auditors and managers Positive, inclusive, agile, and collaborative mindset Strong verbal and written communication skills Desire to be a team player in a dynamic environment #LI-Remote #LI-AG1 The US national base salary range for this full-time position is $77,000 -$136,000. Our salary ranges are determined by role, level, and location. The range displayed on each job posting reflects the minimum and maximum target for new hire salaries for the position across all US locations. Within the range, individual pay is determined by work location and additional factors, including job-related skills, experience, and relevant education or training. Please note that the compensation details listed in US role postings reflect the base salary only and do not include applicable bonus, equity, or benefits. You can find further details of our US benefits at https://www.ethoslife.com/careers/ 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 job description, 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.