Product Filing Lead

Summary

Join Ethos, a rapidly growing life insurance company, as a Regulatory Product Filing expert. You will lead the end-to-end filing process for policy forms and applications, ensuring compliance and speed. Collaborate with cross-functional teams and carriers to refine product features and navigate complex state regulations. Leverage your strong relationships with state insurance regulators to influence outcomes and accelerate approvals. This pivotal role requires 10+ years of experience in regulatory filings within the life insurance industry and a deep understanding of regulatory frameworks. You will play a key role in shaping Ethos's product strategy and ensuring its innovative life insurance solutions reach the market efficiently and compliantly.

Requirements

• 10+ years in regulatory filings with strong relationships in state insurance departments
• Broad knowledge of life insurance products and regulatory frameworks
• Proven ability to shape and refine insurance applications
• Strong negotiation and communication skills with a demonstrated track record of influencing regulatory outcomes
• Ability to work cross-functionally with carriers, legal, and compliance teams
• Highly self-sufficient and entrepreneurial, capable of driving both strategic initiatives and day-to-day filings
• Bachelor’s degree required

Responsibilities

• Lead End-to-End Filings: 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, Legal, Compliance, and carrier partners to refine product features and applications that balance innovation with regulatory standards
• Influence Regulatory Outcomes: Maintain and leverage strong relationships with state insurance regulators, positioning Ethos for proactive approvals and timely feedback
• 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

Preferred Qualifications

JD, CPCU, FLMI, or AIRC