Underwriter

ABOUT BESTOW Life insurance is one of the world's most important products. It's also one of the hardest to build, distribute, and modernize. Bestow exists to change that. Bestow is a leading vertical technology platform serving some of the largest and most innovative life insurers. Our platform unifies the fragmented, legacy value chain, enabling carriers to launch products in weeks instead of years. Carriers choose us to scale and operate at unprecedented speed, powered by AI and automation. Bestow isn't selling policies. We're building the infrastructure that helps an entire industry move faster, reach more people, and deliver on its promise. Backed by leading investors (Goldman Sachs, Hedosophia, NEA, Valar, 8VC) and trusted by major carriers, Bestow is powered by a team that moves with precision, purpose, and heart. If you want to help reimagine a centuries-old industry with lasting impact, join us. Bestow offers flexible remote/hybrid work, meaningful benefits, equity, and substantial growth opportunities. Bestow uses E-Verify to confirm the employment eligibility of all newly hired employees. To learn more about E-Verify, including your rights and responsibilities, please visit E-Verify.gov http://e-verify.gov. The Underwriter I serves as a technical anchor for Third-Party Administrator (TPA) operations. You will balance high-volume transactional underwriting with specialized risk analysis, ensuring that policy issuance aligns with carrier guidelines and regulatory standards. This role is a mix of active risk assessment, compliance auditing, and strategic partnership management. WHAT YOU'LL DO - Underwriting & Appeals: Execute transactional tasks, manage complex appeals, draft decline letters, and resolve application discrepancies or medical impairment inquiries. - Compliance & Audit: Lead Post Issue Audits (PIA), manage MIB (Medical Information Bureau) reporting, and conduct partner reviews to ensure adherence to carrier and regulatory guidelines. - Claims & Data Integrity: Review applications for accuracy prior to FNOL (First Notice of Loss) submission, manage claim status changes in the Admin Portal, and maintain consolidated claims reporting. - Carrier & Partner Relations: Act as the primary technical point of contact for carrier inquiries, facilitate reinsurance meetings, and manage data vendor audits (e.g., Milliman). - Process Improvement: Manage the general underwriting mailbox to improve response times and collaborate with the CX team on "Future Feature" requests and Gen-AI tool testing. - Operational Support: Maintain travel advisories, monitor OFAC watchlists, and provide backup for general operations and reporting. WHO YOU ARE - Experience: 2+ years in underwriting (Insurance/Financial Services) with a focus on claims or technical underwriting. - Technical Knowledge: Deep understanding of FCRA, OFAC, MIB coding, and medical impairment risk evaluation. - Software Proficiency: Advanced Microsoft Excel skills; experience with underwriting workbooks, Admin Portals, and Milliman reports. - Analytical Skills: Strong ability to investigate disputed data, audit complex files, and interpret evolving carrier guidelines. - Communication: Proven ability to draft legally compliant correspondence and manage high-level relationships with external carriers and reinsurers. TOTAL REWARDS At Bestow, we’re proud to be awarded for our team members, innovative products, and culture. Our standard benefits include: - Competitive salary and equity based on role - Policies and managers that support work/life balance, like our flexible paid time off and parental leave programs - 100% paid-premium option for medical, dental, and vision insurance - Lifestyle stipend to support your physical, emotional, and financial wellbeing - Flexible work-from-home policy and open to remote - Remote and WFH options, as well as a beautiful, state-of-the-art office in Dallas’ Deep Ellum, for those who prefer an office setting - Employee-led diversity, e