This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role 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? - 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 - Have to be comfortable with ambiguity Qualifications - 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 Company Description 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.

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description This is a remote position with occasional travel for in-person agency visits. Ideal candidate will live and work remotely in the Central, Mountain, or Pacific time zone. This is a ranged posting. Level offered will be based on candidate experience at manager discretion. Great underwriters know how to balance data analytics with human intuition. If you like both quantitative and qualitative reasoning, enjoy the challenge and autonomy of managing your own accounts at a company that offers competitive compensation and benefits, then consider joining the underwriting department at Liberty Mutual. As a Farm Underwriter in property casualty insurance, you’ll: - Develop, grow and maintain diversified books of business - Work closely with agents and brokers to assess risks, determine premiums, set conditions, and negotiate deals that maximize profitability and meet business goals We encourage you to apply and bring your expertise if you’re a: - Strategic Account Manager : Ensure a profitable book of Farm and Ranch insurance by writing new accounts of all sizes and growing successful agent and broker relationships and pursuing renewals - Problem solver : Crunch the numbers and review the data to determine risk selection, premiums, policies and conditions, as well as identify opportunities for improved growth, profit and diversification - Clear communicator : Maintain and nurture successful relationships with agents and brokers, while presenting proposals, negotiating deals and obtaining approvals - Collaborative teammate : Contribute to overall team success, mentor underwriters in both a technical and professional capacity, share best practices and identify opportunities for continuous improvement - Conscientious professional : Document account reviews, state-compliant sign-offs and referrals, letters of authority and follow underwriting guidelines Qualifications - 3-5+ years of commercial lines or farm and ranch experience - Experience with multi-line insurance products - Analytical, problem-solving capabilities - Strong territory management skills - Excellent communication skills - An aptitude for building rewarding relationships with agents and brokers, peer underwriters, underwriting assistants, and junior underwriters - Command of insurance finance and actuarial concepts - Thorough knowledge of commercial insurance products, underwriting, risk selection, pricing and marketplaces, as well as regulatory issues in relevant territories - Understanding of contract language, including regulatory and policy differences among applicable states - Familiarity with continuous improvement processes and tools - A bachelor’s degree in a related field - Chartered Property Casual Underwriter or other professional insurance designation preferred (currently or in process) and/or AFIS Agribusiness and Farm Insurance Specialist Benefits - Comprehensive benefits that support your life and well-being - Workplace flexibility - Professional development opportunities - Opportunities provided through Employee Resource Groups Company Description At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve. Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.

• Lead complex, high-visibility ad hoc projects supporting Employer Underwriting priorities, including projects that impact strategic RFP readiness, underwriting process optimization, and organizational alignment. • Act as a primary liaison between Underwriting and key partners including Pricing, Networks, ANCS, Rebates, Proposals, Sales, Operations, and Implementation. • Own and maintain the Underwriting Capacity Planning Tool, including forecasting, enhancements, and reporting insights for leadership. • Monitor new client performance relative to underwriting assumptions; identify variances and support refinement of future assumptions. • Ensure full adherence to Underwriting Standards of Practice across the team, including pricing governance and procedural compliance.

Are you a strategic, technically skilled underwriting professional who loves building high‑performing processes, mentoring others, and shaping the future of underwriting operations? MEM Insurance is seeking a collaborative and forward‑thinking Underwriting Technical Manager to join our team. In this role, you will blend deep underwriting subject‑matter expertise with operational leadership—designing and maintaining systems, ensuring compliance, optimizing workflows, and strengthening underwriting quality across the organization. You’ll lead critical initiatives, champion continuous improvement, and serve as a trusted partner to underwriting, IT, compliance, actuarial, and external stakeholders. If you’re energized by improving processes, building technical excellence, and supporting a culture of innovation and inclusivity, we’d love to meet you. Essential Duties & Responsibilities Underwriting Quality, Governance & Training - Lead MEM’s Underwriting Quality Assurance program, analyzing results to identify trends, risks, and training needs. - Develop and maintain QA methodologies, standards, and reporting that align with underwriting guidelines and compliance expectations. - Provide oversight and direction on quality trends and corrective actions that strengthen consistency and performance. - Lead development and delivery of underwriting training; serve as a technical expert and resource on complex issues. - Maintain underwriting guidelines, manuals, procedures, and authority statements. System Oversight & Process Optimization - Provide leadership to the Underwriting System Support Staff, ensuring efficient day‑to‑day operations. - Partner with IT to evaluate, plan, and implement system enhancements and issue resolutions that improve efficiency and eliminate redundant work. - Lead or support cross‑functional projects that advance process and technology improvements. - Identify emerging system or operational issues and collaborate with business partners to develop effective solutions. Technical Underwriting Leadership & Book Management - Serve as a high‑level technical underwriting authority, evaluating and approving complex or high‑value accounts within assigned authority. - Administer and oversee NCCI and proprietary rules, rates, and forms for Workers Compensation. - Draft proprietary endorsements and coverage language; maintain manuals, policy forms, and statistical coding. - Analyze exposures, inspection reports, financials, and risk characteristics to determine coverage and pricing. - Review premium, loss, and performance trends to support profitable growth and participate in rate review analyses. Regulatory, Compliance & Partner Relations - Monitor, evaluate, and communicate impacts of legislative or regulatory changes on underwriting practices. - Partner with Legal and Compliance to ensure regulatory alignment and timely adoption of new requirements. - Serve as the primary underwriting contact for fronted policies, coordinating annual file reviews, meetings, and follow‑up actions. - Track placement of facultative reinsurance and support related reviews and documentation. - Serve as backup for department business continuity and disaster recovery planning. Strategic & Continuous Improvement Initiatives - Assist in developing and executing strategic objectives with long‑term impact on underwriting performance. - Lead initiatives to streamline workflows, reduce administrative burdens, and improve underwriting agility. - Represent underwriting in enterprise initiatives, including rate reviews, state filing reviews, and cross‑functional process improvements. Leadership, Mentorship & Culture Building - Provide coaching and mentorship to underwriters and leaders on complex accounts and technical matters. - Identify development opportunities to elevate technical acumen across the underwriting department. - Create communication strategies that effectively share updates, changes, and outcomes with stakeholders. - Foster an innovative, inclusive culture that embraces diversity, collaboration, and continuous improvement. Additional Accountabilities - Lead MEM’s responses to NCCI inspection reports. - Provide analytical and administrative support for ad hoc reviews, research, and operational analysis. - Lead special projects that enhance underwriting performance and operational excellence. Qualifications Education: - Bachelor’s degree in Business Administration, Insurance, Finance, or a closely related field, or an equivalent combination of education and experience. Designations: - CPCU preferred. Experience: - 7+ years of Commercial Lines underwriting experience, including workers’ compensation, with increasing responsibility. - 1–2 years of leadership experience (formal or informal) preferred. Company Culture and Values At MEM Insurance, we are committed to our vision, mission, and values. We foster a culture of collaboration, integrity, and innovation. Our team is passionate about delivering exceptional service to our customers while supporting each other’s growth and success. We believe in accountability, continuous learning, and creating an environment where employees feel valued and empowered. Diversity Statement MEM Insurance is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We believe that varied perspectives drive innovation and strengthen our ability to serve our customers and communities. Total Rewards Overview - Health Plans: Medical, Dental, and VisionIncludes fertility benefits, fully paid preventative care, and adult orthodontia. - Annual Performance Based Bonus - Employer-Paid Life and Disability Benefits:Life Insurance (3x base salary), AD&D, Short and Long-term Disability. - Wellness and Recognition Program: Employer-paid incentives for employees and spouses. - Flexible Spending Account and Dependent Care options - Health Savings Account: Generous employer contribution. - Time Away from Work:Generous PTO, 11 Holidays + 4 Early Releases, 16 Hours Volunteer Time Off, 20 Days Paid Parental Leave, Marriage, Bereavement, and Jury Duty leave. - Employee Assistance Programs - 401k Retirement Plan: Employer match and profit sharing. - Adoption Assistance and Tuition Assistance Notice Regarding Use of Artificial IntelligenceMEM may use artificial intelligence (AI) tools to more efficiently facilitate and assist in decisions involving recruitment, hiring, promotion, renewal of employment, selection for training or apprenticeship, discharge, discipline, tenure, or the terms, privileges, or conditions of employment. Any such use of AI tools will comply with all applicable laws.