Senior Life Underwriter

About Ladder

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).

About the Role

We believe life insurance innovation must happen in the context of sound underwriting decisions. The Senior Underwriter will collaborate with our internal and external case underwriters to ensure quality risk assessments are made while helping users have the most delightful experience possible.

Please note, this is a remote role based in one of the 23 States Ladder is currently hiring in - AZ, CA, CO, CT, FL, GA, IA, KS, MA, MD, MN, NC, NH, NJ, NV, NY, OH, OR, PA, TX, VA, WA, WI. 

Please note, Ladder is not currently sponsoring or transferring OPT or H1-B visa's.

What You’ll Do

• Perform line underwriting on individual term life cases, evaluating medical and personal history on applications up to $8 million face amount
• Analyze medical, non-medical, and financial data to make solid, well-documented risk decisions
• Manage varying volumes of application review within set quality standards and turnaround times 
• Collaborate with our external underwriters and continue to build the strength of that relationship
• Work closely with the Customer Operations and Compliance teams to answer underwriting-related questions and share underwriting knowledge
• Report to the Underwriting Director

Experience Required

• 5+ years of life insurance underwriting experience at a leading carrier or reinsurer
• Demonstrated interest in being part of a collaborative team to better serve end users
• An experienced line underwriter with sound, consistent judgment on individual term life cases
• Able to adapt to the underwriting philosophy of an innovative environment
• A team player who wants to apply their life insurance underwriting expertise to help drive Ladder’s success
• 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

What we Offer 

Ladder is highly collaborative and fun. To support you in your role, we offer fantastic perks and benefits that reflect our mission of care and support, including:

• Excellent medical, dental, and vision coverage | We offer competitive healthcare, dental and vision plans for you and your family.
• Flexible paid time off | Take the time that you need to rest and recharge, including our week-long winter holiday closure. 
• Stock options | We offer competitive stock option packages to participate in the success of building Ladder.
• A rewarding 401k match program | We'll match up to 4% of your contributions as you save for your retirement goals.
• Ladder Fit Program | Your health matters. That’s why Ladder provides a monthly stipend for wellness-related expenses.
• Paid parental leave | We think it's crucial that new parents have time to adjust to their new lives without worrying about work, so we provide all parents inclusive of birthing, adoption, or fostering ten weeks of paid baby bonding.
• Work-from-home flexibility and support | We recognize that everyone's homelife is different and support remote work. Upon joining, we provide a one-time remote office stipend for all team members and then a monthly stipend to cover WFH costs such as the internet.
• Fun company-wide events | We genuinely enjoy spending time together. That’s why we plan fun virtual events to let loose and laugh.

Base pay is determined by the location where the work will be performed and is aligned to one of 3 compensation tiers, as indicated below. Base pay may vary depending on job-related knowledge, skills, experience, and business needs. In addition to the base pay range listed below, this role is also eligible for bonus, equity and benefits as shared above.

Tier 1 (SF Bay Area, New York City, Seattle)

$100,000.00 - $117,600.00

Tier 2 (LA, Austin, Boston, Chicago, DC, Denver, Philadelphia, San Diego)

$89,000.00 - $104,700.00

Tier 3 (All other locations that Ladder hires) 

 $84,000.00 - $98,800.00

Ladder is building a diverse team of talented and enthusiastic people. We are an equal opportunity workplace. At Ladder, differences are celebrated and supported to benefit our people, product, and community. Let us know why you're interested in this position and what unique contributions you can make to the Ladder team. We look forward to hearing from you. 

Research shows that candidates from underrepresented backgrounds often don't apply for roles if they don't meet all the criteria – unlike majority candidates meeting significantly fewer requirements. We strongly encourage you to apply if you’re interested: we'd love to know how you can elevate our team with your unique experience!