Senior Life Insurance Underwriter – Risk Assessment & Policy Evaluation | US Remote | $77K–$137K

Website Ethos Life

Protect your family in minutes

Join a fast-growing insurtech company transforming how life insurance is delivered. This remote role is ideal for experienced underwriters who want to work in a modern, technology-driven environment while making a meaningful impact on families’ financial security.

Browse more remote jobs: https://workinvirtual.com/remote-jobs/


About the Company

Ethos Life is a leading technology-driven life insurance provider focused on making coverage more accessible and affordable. By combining innovative technology with simplified underwriting processes, Ethos enables customers to secure life insurance quickly without traditional barriers like medical exams.

The company is redefining how life insurance is purchased, evaluated, and delivered in today’s digital-first world.


Key Responsibilities

  • Evaluate insurance applications by analyzing medical, financial, and lifestyle risk factors
  • Make underwriting decisions to approve, modify, or decline coverage based on risk assessment
  • Apply underwriting guidelines, policies, and procedures consistently and accurately
  • Communicate underwriting decisions clearly to internal teams and stakeholders
  • Gather and review relevant information to support decision-making
  • Identify opportunities to improve underwriting processes and workflows
  • Work independently while managing multiple cases efficiently
  • Collaborate with cross-functional teams in a dynamic, fast-paced environment

Requirements / Skills

  • 3+ years of experience in life insurance underwriting
  • Strong knowledge of risk assessment, including medical and financial underwriting
  • Experience with term and permanent life insurance products
  • Ability to analyze complex information and make sound decisions
  • Strong written and verbal communication skills
  • Ability to work independently and handle ambiguity
  • Problem-solving mindset with attention to detail

Preferred Qualifications

  • Bachelor’s degree or equivalent experience
  • Industry certifications such as LOMA, ALMI, FMLI, ALU, or FALU
  • Experience in a technology-driven or high-growth environment

Work Environment / Benefits

  • Fully remote role within the United States
  • Competitive salary range of $77,000–$137,000 USD
  • Opportunity to work in a growing insurtech company
  • Collaborative and inclusive work culture
  • Exposure to modern underwriting technology and processes
  • Additional benefits may include bonus, equity, and comprehensive health coverage

How to Apply

Apply directly through the official job page:
https://job-boards.greenhouse.io/ethoslife/jobs/8445067002


Note: Applications are handled on the employer’s official website. WorkinVirtual is not responsible for the hiring process.

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