Product Filing Lead

Summary

Join Ethos, a rapidly growing life insurance company, as a regulatory expert to lead product and forms filings. You will manage the filing process, collaborate with cross-functional teams and carriers, optimize application design, monitor industry trends, and improve filing processes. This role requires strong regulatory acumen, product innovation skills, and experience in navigating complex state regulations. You will influence regulators, shape product designs, and accelerate approvals. The ideal candidate will have 5+ years of experience in product form filings and a deep understanding of state insurance department standards. Ethos offers a high-growth environment and the opportunity to make a significant impact.

Requirements

• 5+ years in product form filings with strong understanding of state insurance department standards and requirements
• Broad knowledge of insurance products and regulatory frameworks
• Ability to read and interpret laws and regulations related to product and endorsement forms and filings
• Proven ability to shape and refine insurance applications, other new business and disclosure forms, and related statements of variability based on internal, Carrier, and Regulator feedback
• Strong collaborative communication skills
• Ability to work cross-functionally with carriers, legal, and compliance, UW, product development and product teams
• Highly self-sufficient and entrepreneurial, capable of driving both strategic initiatives,day-to-day filings, and forms creation and maintenance
• Bachelor’s degree required; JD, CPCU, FLMI, or AIRC a plus

Responsibilities

• Lead Filing: Own and manage the Ethos portion of the filing process for policy forms and applications, ensuring speed, compliance, and quality
• Inform Product Development Strategy: Collaborate with Product, Underwriting, Legal, Compliance, and carrier partners to refine product features and applications that balance innovation with regulatory standards
• Optimize Application Design: Provide expert guidance on bracketing, reflexive questions, and variability, enabling flexible yet compliant product offerings
• Monitor Industry Trends: Stay ahead of regulatory changes and competitor filings, translating insights into tangible strategies and recommendations for product evolution
• Improve Processes Continuously: Innovate on filing processes by implementing best practices and technology solutions, bolstering efficiency and accuracy

Preferred Qualifications

Experience in SERFF system a plus