Full-Time

Underwriting Auditor

Underwriting Strategies

Confirmed live in the last 24 hours

Ethos Life

Ethos Life

501-1,000 employees

Online life insurance with no medical exams

No salary listed

Mid, Senior

Bengaluru, Karnataka, India

Hybrid work model; specific number of in-office days not mentioned.

Category
Insurance
Finance & Banking
Required Skills
Data Analysis
Requirements
  • 3-5+ years of life new business underwriting experience
  • Extensive experience with underwriting rules engines and rules processing
  • The ability to communicate (both written and verbal) quality results and needs among multiple parties
  • A record of identifying opportunities and quickly delivering solutions
  • Desire to be a team player in a dynamic environment
  • An obsession with the customer and ability to challenge the status quo
  • Experience in ownership of end-to-end audit process
  • Knowledge of compliance and US governmental regulations is a plus
  • Strong analytical skills/ability to interpret complex data to draw decisions
  • Ability to provide productive, meaningful constructive feedback to the underwriting team
Responsibilities
  • Conduct regular monthly audits of cases that are referred to manual underwriting
  • Conduct regular monthly audits of cases that are chosen for Post Issue Audit
  • Provide meaningful, constructive feedback for underwriting staff
  • Provide unbiased assessment of quality to underwriting management team
  • Identify trends and areas of opportunity for underwriter education
  • Work with Head of Underwriting Strategies to assess business risk for changes to underwriting guidelines
  • Maintain the Underwriting Audit Scoring process
  • Act as a subject matter expert for underwriting audit, especially with regard to underwriting workbench functionality
  • Maintain appropriate documentation for underwriting criteria, guidelines and workflows
  • Serve as an underwriting quality expert for the Underwriting team
  • Foster and encourage an environment of psychological safety

Ethos Life provides life insurance solutions through a fully online platform, making it easier for individuals and families to obtain coverage without the need for medical exams. The application process is streamlined, allowing potential clients to receive instant quotes and often get approved within minutes by answering specific health and lifestyle questions. This approach contrasts with traditional life insurance methods, which can be lengthy and cumbersome. Ethos Life sells term and whole life insurance policies through partner carriers and earns commissions on these sales. Additionally, the company offers complimentary estate planning tools, such as free wills, to enhance the customer experience and set itself apart from competitors. The goal of Ethos Life is to simplify life insurance and provide affordable financial protection to its customers.

Company Size

501-1,000

Company Stage

Series D

Total Funding

$406.5M

Headquarters

Austin, Texas

Founded

2016

Simplify Jobs

Simplify's Take

What believers are saying

  • Growing demand for no-exam life insurance policies boosts Ethos's market potential.
  • Increased consumer interest in digital insurance solutions aligns with Ethos's tech-driven model.
  • Partnerships with companies like Ameritas expand Ethos's product offerings and market reach.

What critics are saying

  • Departure of key executives like CFO Anan Kashyap may affect financial strategy.
  • Class action lawsuit under Illinois genetic privacy law could harm Ethos's reputation.
  • Recent layoffs may indicate financial strain, affecting employee morale and performance.

What makes Ethos Life unique

  • Ethos Life offers a fully online life insurance application process, eliminating medical exams.
  • The company provides complimentary estate planning tools, enhancing customer value and experience.
  • Ethos partners with major insurers like Legal & General America to ensure policy reliability.

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Benefits

Remote Work Options

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

0%

2 year growth

-1%
Coverage
Jan 8th, 2025
Ethos Partners With Protective Life

Ethos Life <i class="fa fa-info-circle company-popover" data-content="h3Ethos Life/h3. div. table

Coverage
Nov 7th, 2024
Matt Fowler Joins Ethos

Life insurance provider. Ethos Life <i class="fa fa-info-circle company-popover" data-content="h3Ethos Life/h3. div

Wink Intel
Jan 17th, 2024
Ameritas Teams With Ethos on Indexed Universal Life Product

Ameritas teams with Ethos on indexed universal life product.

PR Newswire
Jan 9th, 2024
Ameritas and Ethos launch new index universal life product

LINCOLN, Neb., Jan. 9, 2024 /PRNewswire/ - Ameritas and Ethos have introduced a new index universal life insurance product offered exclusively through Ethos, providing customers with the speed and convenience of a web-based process alongside the guidance of an agent.

Cook County Record
Nov 18th, 2023
Ethos Seafood accused under IL genetics privacy law for asking workers about medical histories

A class action lawsuit accuses Hodgkins-based seafood seller Ethos of violating an Illinois genetic information privacy law by allegedly asking workers about their family medical histories.