Junior Underwriter - Ladder

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. We developed a method of real-time underwriting leveraging AI, reducing the months-long process of applying for life insurance to minutes. We have provided over $74 billion in coverage to date.

Who You Are

• Collaborative: Comfortable working with many cross-functional stakeholders.
• Innovator: Passionate about insurance and creating a new paradigm to make it more accessible and affordable.
• Strategic Thinker: Eager to apply life insurance underwriting expertise to drive company success.
• Optimist: Committed to continuous learning, iteration, and user-centered design.
• Communicator: A great listener who asks questions and maintains a sense of humor.

What You’ll Do

• Manage support and follow-up items to ensure efficient business flow.
• Collaborate with Customer Operations to answer underwriting-related questions.
• Perform line underwriting on individual term life cases (up to $1 million face amount), evaluating medical and personal history.
• Analyze medical, personal, and financial data from traditional and innovative sources to make final decisions.
• Manage application review volumes within set quality standards and turnaround times.
• Work with a peer mentor to develop as a proficient life underwriter.
• Report to the Underwriting Manager.

Experience Required

• 5+ years of life insurance industry experience at a leading carrier or reinsurer.
• Experience acting as a support resource for life underwriters or undergoing formal underwriting training.
• Experience working in new business workflows and managing underwriting requirements.
• Understanding of the life cycle of an application and basic processing standards.

What We Offer

• Comprehensive Benefits: Excellent medical, dental, and vision coverage.
• Flexible PTO: Take the time you need to rest, including a week-long winter holiday closure.
• Equity: Competitive stock option packages.
• Retirement: 401k match program up to 4%.
• Wellness: Monthly stipend for wellness-related expenses via the Ladder Fit Program.
• Parental Leave: Ten weeks of paid baby bonding for all parents.
• Remote Support: One-time remote office stipend and a monthly stipend for WFH costs (e.g., internet).
• Culture: Fun, virtual company-wide events.