CrawlJobs Logo
Ethos Logo Ethos · Insurance

Life Underwriting Consultant

India, Bangalore · Job Posted December 08, 2025
Apply Position
Job Link Share

Job Description

Are 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?

Job Responsibility

  • 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

Requirements

  • 4 year degree preferred
  • Demonstrated knowledge of all aspects of risk selection (medical, non-medical, financial)
  • Ability to think critically and problem solve independently
  • Positive, inclusive, agile, and collaborative mindset
  • Strong verbal and written communication skills
  • Term and permanent life insurance underwriting
  • In process or completed industry designations, i.e. LOMA, ALMI, FMLI, ALU, FALU
Ethos - All Job Offers

Looking for more opportunities?

Search for other job offers that match your skills and interests.

Suggested Tags: Frontend Developer Secretary Talent Manager Salesforce Administrator Data Analyst
Similar Jobs for

Life Underwriting Consultant

8 matching positions

Permanent Life Insurance Sales Consultant

The Permanent Life Insurance Sales Consultant is responsible for top line premiu...
Location
Location
United States , San Francisco
Salary
Salary:
Not provided
standard.com Logo
The Standard
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Bachelor’s degree preferred
  • Life & Health licenses required
  • Minimum 2+ years of experience selling voluntary or employee benefits
  • Ability to travel 3 days per week, by car or plane, throughout the defined territory
  • Established broker relationships within territory preferred
  • Prior experience selling hybrid benefit products is required
  • Must reside in the Bay Area
Job Responsibility
Job Responsibility
  • Build consulting relations with new and existing National, Regional and local Employee Benefit Broker Partners, General Agents, Technology Partners and Enrollment Firm partners with voluntary group and life insurance with long term care product suites
  • Be a resource for partners by being the subject matter expert on suitable enrollment technology solutions as well as product solutions for their client companies
  • Provide training and on-going development of producers, agencies and general agents in their assigned region
  • Responsible for maintaining a strong working relationship with our Home Office Sales Support, Underwriting, Policyholder Services, Billing Support, Compliance, and Compensation
  • Meet or exceed assigned production plan
  • Help analyze markets and formulate recruiting and marketing programs, with the goal of securing long term relationships with producers who will effectively produce quality business
  • Consult with producers to bring value to their existing book of business and develop new opportunities designed to generate solutions for their clients
  • Provide feedback on changes in the marketplace
  • Help implement and support the corporate strategy
What we offer
What we offer
  • Medical, dental, vision and a 401(k) plan with matching company contributions
  • Annual incentive bonus plan
  • Generous paid time off including 11 holidays, 2 wellness days, and 8 volunteer hours annually — PTO increases with tenure
  • Paid parental leave and adoption/surrogacy assistance
  • Employee giving program that double matches your donations to eligible nonprofits and schools
  • Fulltime
Read More
Arrow Right

Sales consultant - national accounts – life & disability

The National Accounts Sales Consultant acquires, grows, and retains large employ...
Location
Location
United States , Portland; Remote; Remote; Remote; Remote
Salary
Salary:
75000.00 USD / Year
standard.com Logo
The Standard
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Bachelor’s degree in business, marketing, or related field
  • Life & Disability licensing required
  • Minimum 5 years of national account sales experience in employee benefits
  • 8+ years of experience with demonstrated success selling Life & Disability products to large employers
  • Proven experience in large-case (5,000+ lives) sales within the group benefits or insurance industry
  • Expertise in Life and Disability products, including voluntary and absence management solutions
  • Deep broker and consultant network within the National Accounts segment
  • Ability to travel 30% to 50% annually
  • Must reside in the United States
Job Responsibility
Job Responsibility
  • Develop and implement targeted sales strategies for National Accounts (5,000+ lives) in group life and disability benefits
  • Identify prospects, manage the sales process, and maintain a strong pipeline aligned with company goals
  • Cultivate and strengthen relationships with key brokers, consultants, and clients
  • Serve as a trusted advisor and subject matter expert, ensuring consistent communication and coordination with Client Management, Product, and Underwriting teams
  • Lead RFPs and renewals, present proposals, negotiate terms, and collaborate across teams to ensure client satisfaction and competitive, profitable deals
  • Monitor market trends and competition, sharing insights to refine sales strategies and improve processes
What we offer
What we offer
  • Medical, dental, vision and a 401(k) plan with matching company contributions
  • Annual incentive bonus plan
  • Generous paid time off including 11 holidays, 2 wellness days, and 8 volunteer hours annually
  • Paid parental leave and adoption/surrogacy assistance
  • Employee giving program that double matches your donations to eligible nonprofits and schools
  • Fulltime
Read More
Arrow Right

AI Solution Architect (Insurance) - Agentic AI & Azure

As an AI Solution Architect with NTT DATA, you’ll design agentic AI systems that...
Location
Location
United States , Remote
Salary
Salary:
204105.00 - 285700.00 USD / Year
nttdata.com Logo
NTT DATA
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 7+ years in solution architecture or enterprise technology roles (e.g., architect, principal engineer, platform lead)
  • 3+ years delivering solutions for the insurance domain (P&C, Life, Health, or Reinsurance) in a carrier, MGA/MGU, broker, or consulting context
  • 2+ years architecting or building LLM/GenAI applications in production or regulated enterprise settings
  • 2+ end-to-end Azure-hosted AI solutions delivered (from design to deployment) with measurable adoption
  • Bachelor’s degree in Computer Science, Engineering, Data/AI, or related field
  • Ability to travel 30%
Job Responsibility
Job Responsibility
  • Design end-to-end agentic solutions on Azure, from interaction to orchestration to observability
  • Define multi-agent patterns that collaborate across underwriting, claims, and servicing
  • Apply Azure OpenAI, prompt orchestration, tool/skills calling, memory, and planning patterns
  • Establish autonomy guardrails, human-in-the-loop checkpoints, and decision traceability
  • Build LLM-driven reasoning + retrieval for document-intensive flows (FNOL, submissions, endorsements, SIU, etc.)
  • Deliver conversational and task agents that integrate with core insurance platforms and data
  • Use Azure AI Studio, Azure OpenAI, Azure Cognitive Search, Functions, Logic Apps, Service Bus
  • Design secure integrations with policy admin, claims, billing, CRM, and document management systems
  • Implement RAG patterns using Azure data and search services with content safety and observability
  • Architect to insurance regulatory requirements (privacy, retention, auditability)
  • Fulltime
Read More
Arrow Right

Business Analyst (Life & Annuities)

We are seeking a seasoned Business Analyst who brings deep expertise in Life & A...
Location
Location
India , Noida
Salary
Salary:
Not provided
nttdata.com Logo
NTT DATA
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 15+ years in L&A domain roles, including 10+ years leading analysis and transformation in large programs
  • Prior experience in a consulting organization
  • Ability to operate in ambiguous, unstructured problem spaces and build clarity for clients and teams
  • Exceptional communication skills — executive presence, structured storytelling, and crisp documentation
  • Strong analytical and conceptual thinking
  • ability to break down complexity and design practical solutions
  • Proven experience guiding offshore/onshore delivery teams in distributed environments
  • Exposure to both Agile and hybrid delivery models.
Job Responsibility
Job Responsibility
  • Serve as the primary business advisor to senior client stakeholders across Distribution, Operations, Technology, Product, and Transformation
  • Lead C‑suite and SME workshops to frame problems, define future capabilities, and align on transformation priorities
  • Connect program execution to tangible business value, ensuring early wins, strong sponsorship, and measurable outcomes
  • Navigate complex client environments with political acuity, influence, and credibility
  • Shape transformation vision, scope, and roadmap across L&A value chains
  • Define future‑state business processes, organizational structures, service models, hand‑offs, customer/agent journeys, and operational KPIs
  • Identify simplification, automation, straight‑through processing, and digitization opportunities to drive scale, speed, and cost efficiency
  • Recommend pragmatic changes that balance innovation with feasibility, regulatory reality, and market dynamics
  • Lead requirements discovery and definition across policy, operations, and customer‑facing processes
  • Author clear, structured BRDs, FRDs, user stories, acceptance criteria, and traceability matrices aligned to both business and technology needs
  • Fulltime
Read More
Arrow Right

Manager / Senior Manager - Financial Services Consulting - Information Technology

Location
Location
Hong Kong , Hong Kong
Salary
Salary:
Not provided
Forvis Mazars
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • University degree majoring in Finance, Accounting, Business, Legal, Information Systems, Computer Science/ Engineering or related subjects
  • Minimum 4-5 years’ experience gained in professional services firms, commercial banks or other financial institute experience will be an advantage
  • Demonstrate good analytical, problem solving and presentation skills. Flexible, self-starter possessing intellectual curiosity. Effective time and project management with excellent interpersonal skills
  • Keen on career development on any of the following areas: financial services regulatory consulting, compliance, governance and internal controls, risk management, operational / technology risk management, business & system processes review, internal audit, cyber-security and business consulting
  • Interested in gaining experience in any of the following industries: Banking and capital markets (client on-boarding / KYC / AML / investment product suitability and other regulatory compliance, front office activities in products / sales channels, middle and/or back office control, operational / technology risk management – commercial banking, private banking, investment banking)
  • Asset management (distribution channels, controls and processes – prime brokerage, fund administration, fund management (retail, institutional, and/or real estate / private equity, etc.))
  • Digital asset management/ trading (Cybersecurity, custodian management, licensing requirements)
  • Insurance (underwriting, claims, reserving, Solvency II, policy administration systems – general or life insurance)
  • Payment industry (Cybersecurity, settlement and clearing)
  • Ability to identify and assess business process controls and linkage to IT systems
Job Responsibility
Job Responsibility
  • Lead a client-centric advisory team in financial services industry
  • Support the development on consulting engagement plans and project approaches, analyse client’s current business processes and understanding the risk management environment for financial institutions
  • Support the planning, execution and delivery of consulting engagements covering regulatory, operational and IT advisory with FS clients in areas such as client onboarding, KYC, AML, system architecture/ pre- or post-implementation, reviews
  • IT regulatory & licensing reviews (e.g. cybersecurity requirements on C-RAF and iCAST requirements, IS guideline, MCRA membership application, etc.)
  • Utilise your skills in the areas of structured problem solving, business analysis, analytics, design thinking and lean process improvement to help our FS clients drive profitability and performance through their business operations
  • Use of technology and data including FinTech/ RegTech/ InsuTech innovation with respect to financial institutions to promote innovation and achieve regulatory compliance
  • Support change management including the revision or formulation of new policies, systems and controls aligned with regulatory requirements and regulators’ expectations
  • Plan, execute and communicate with engagement stakeholders of the financial institutions
  • Identify current and emerging trends of regulatory requirements for the financial services sector in Hong Kong, Singapore, Mainland China and other Asian markets and global regulatory expectations
What we offer
What we offer
  • medical and dental insurance
  • life insurance
  • a 5-day working week
  • discretionary performance bonus
  • birthday leave
  • marriage leave
  • Fulltime
Read More
Arrow Right

Underwriter, Life & Health

Our client is a prominent life and health insurance provider with a significant ...
Location
Location
Singapore , Singapore
Salary
Salary:
Not provided
https://www.randstad.com Logo
Randstad
Expiration Date
July 16, 2026
Flip Icon
Requirements
Requirements
  • Experience: 2 to 5 years of underwriting experience specifically within the life insurance sector
  • Education: A degree in Nursing, Biomedical Science, or Biomedical Engineering
  • Technical Knowledge: Knowledge of medical conditions, insurance laws, regulations, and life and health insurance products
  • Professional Qualifications: Attainment of or progress toward ACII, ANZIIF, ALU, or LOMA certifications
  • Communication Skills: Effective communication skills for interaction with stakeholders and distribution partners
  • Systems Knowledge: Ability to use the Microsoft Office suite for daily reporting and administrative tasks
Job Responsibility
Job Responsibility
  • Risk Assessment: Evaluating medical and financial profiles of applicants to determine appropriate coverage terms and conditions for life and health policies
  • Underwriting Authority: Executing underwriting decisions within established delegated limits while maintaining consistency with internal standards and prevailing market trends
  • Case Management: Reviewing high-complexity cases involving multiple medical conditions or intricate risk factors to determine insurability
  • End-to-End Processing: Managing the full lifecycle of customer requests and policy applications to ensure timely and accurate completion of underwriting tasks
  • Stakeholder Advisory: Providing technical support and underwriting expertise to Financial Consultants regarding policy requirements and risk decisions
  • Project Participation: Contributing to ad hoc initiatives and process improvement projects aimed at enhancing underwriting efficiency and operational excellence
  • Fulltime
Read More
Arrow Right

Underwriter, Life & Health

You will facilitate the assessment of medical and financial risks for applicants...
Location
Location
Singapore , Singapore
Salary
Salary:
Not provided
https://www.randstad.com Logo
Randstad
Expiration Date
July 11, 2026
Flip Icon
Requirements
Requirements
  • 2 to 5 years of underwriting experience specifically within the life insurance sector
  • A degree in Nursing, Biomedical Science, or Biomedical Engineering
  • Knowledge of medical conditions, insurance laws, regulations, and life and health insurance products
  • Attainment of or progress toward ACII, ANZIIF, ALU, or LOMA certifications
  • Effective communication skills for interaction with stakeholders and distribution partners
  • Ability to use the Microsoft Office suite for daily reporting and administrative tasks
Job Responsibility
Job Responsibility
  • Evaluating medical and financial profiles of applicants to determine appropriate coverage terms and conditions for life and health policies
  • Executing underwriting decisions within established delegated limits while maintaining consistency with internal standards and prevailing market trends
  • Reviewing high-complexity cases involving multiple medical conditions or intricate risk factors to determine insurability
  • Managing the full lifecycle of customer requests and policy applications to ensure timely and accurate completion of underwriting tasks
  • Providing technical support and underwriting expertise to Financial Consultants regarding policy requirements and risk decisions
  • Contributing to ad hoc initiatives and process improvement projects aimed at enhancing underwriting efficiency and operational excellence
  • Fulltime
Read More
Arrow Right

Senior Claims Specialist

We are looking for an experienced Senior Claims Specialist to support complex li...
Location
Location
United States , Dallas
Salary
Salary:
Not provided
https://www.roberthalf.com Logo
Robert Half
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Demonstrated experience managing complex claims involving Architects and Engineers Errors and Omissions or closely related liability exposures
  • Strong working knowledge of insurance policy interpretation, claim investigation methods, litigation management, and negotiated claim resolution
  • Familiarity with applicable laws, regulations, compliance standards, and industry best practices related to liability claims
  • Ability to evaluate financial exposure, set and revise reserves, and support accurate reporting throughout the life of a claim
  • Excellent communication and stakeholder management skills, with the ability to collaborate effectively with counsel, vendors, underwriters, and insured parties
  • Proven judgment in handling sensitive matters, making timely decisions, and balancing customer service with sound risk management
  • Comfortable with travel as needed for mediations, settlement conferences, and other in-person claim activities
Job Responsibility
Job Responsibility
  • Oversee a portfolio of complex liability claims, conducting detailed reviews of coverage, liability, damages, and supporting documentation to determine appropriate next steps
  • Lead investigations from initial intake through final resolution, ensuring each matter is handled in accordance with policy provisions, regulatory expectations, and company standards
  • Negotiate settlements within delegated authority while balancing timely resolution, financial accuracy, and fair treatment of all parties involved
  • Partner with outside counsel to shape litigation strategy, monitor case progress, and drive effective outcomes in disputed or highly sensitive matters
  • Coordinate the work of external experts and service providers, including legal vendors, consultants, discovery specialists, and technical advisors, to support claim evaluation and defense
  • Establish and maintain accurate claim reserves, review developments that may affect exposure, and recommend adjustments to support sound financial forecasting
  • Serve as a subject matter resource on specialized liability exposures, sharing insights that strengthen decision-making and promote consistent claim handling practices
  • Work closely with underwriting teams to identify emerging or complex risk issues, contributing expertise that supports pricing decisions, policy terms, and client discussions
  • Represent the organization in mediations, settlement conferences, industry events, or similar forums, helping maintain strong working relationships and an informed market presence
What we offer
What we offer
  • medical
  • vision
  • dental
  • life and disability insurance
  • 401(k) plan
  • Fulltime
Read More
Arrow Right