Underwriting Manager

We saw a problem within the life insurance industry: getting covered took too long, involved too much paperwork, and required too many in-person meetings with sales agents. Having lost his father at a young age, our CEO, Jamie, was determined to make it easier for people to get the coverage they needed to provide for their families. So, we got to work. We developed a method of real-time underwriting leveraging AI and, in doing so, reduced the months-long process of applying for life insurance to minutes. Our digital experience is quick (instant decisions!), loved by users (check out our Trustpilot or Google reviews) and prolific ($74 billion+ in coverage provided).

We believe life insurance innovation must happen in the context of sound underwriting decisions. The Underwriting Manager will lead a team of internal and external case underwriters,  as well collaborate with engineering, design, data science, actuarial, and marketing as we design new marketing campaigns, product features, and data models to help users have the most delightful experience possible.

• Bring your expertise as an underwriter to cross-functional Ladder work teams.
• Evaluate medical and personal history on life insurance applications up to $8 million face amount.
• Participate in development of the Underwriting team members.
• Collaborate with the Underwriting Audit team to enhance Underwriting Guidelines and clearly communicate audit finding feedback to the Underwriting team.
• Work closely with the Customer Experience and Compliance teams to answer underwriting related questions and share underwriting knowledge.
• Be comfortable both underwriting and applying your knowledge to systems and processes.
• Report to the Head of Underwriting.

• A master of collaboration who is comfortable working with many cross-functional stakeholders.
• An innovator. Someone who is passionate about insurance, and wants to help create a new paradigm to make insurance more accessible and affordable for the next generation of buyers.
• A strategic thinker and builder.  Someone who wants to apply their life insurance underwriting expertise to help drive Ladder’s success.
• A data-driven and structured thinker. Someone who is comfortable with data and will look to translate audit findings into actionable insights.
• An optimist, committed to continuous learning, iteration, and user-centered everything.
• A great communicator who listens well, asks questions, and has a sense of humor.
• A thoughtful leader who empowers others, fosters accountability, and creates an environment where team members can do their best work.

• 3-5 years of people leadership experience
• 8+ years of life insurance underwriting experience at a leading carrier or reinsurer.
• Experience in developing underwriting guidelines and programs.
• Demonstrated interest in innovation and better serving end users.
• Experience with accelerated underwriting and third-party evidence providers is a plus.