[Remote] Product Filing Lead at Ethos Life

United States

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Not SpecifiedCompensation

N/AExperience Level

N/AJob Type

Not SpecifiedVisa

N/AIndustries

Requirements

5+ years of experience in product form filings, preferably in the life insurance industry
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, new business and disclosure forms, and related statements of variability
Strong collaborative communication skills
Ability to work cross-functionally with carriers, legal, and compliance teams
High self-sufficiency and entrepreneurial skills
Experience in SERFF system a plus
Bachelor’s degree in a relevant field (e.g., insurance, business, law)
JD, CPCU, FLMI, or AIRC a plus
Ownership: Take the reins of product regulatory filings and guide the creation of innovative solutions
Industry Influence: Build on your regulator relationships and shape the market through strategic advocacy
Impactful Collaboration: Partner with a wide range of teams to harmonize regulatory needs with product vision
High-Growth Environment: Join a fast-paced and growing company with a strong focus on innovation and customer satisfaction

Responsibilities

Lead Filing: Own and manage the Ethos portion of the filing process for policy forms and applications
Inform Product Development Strategy: Collaborate with Product, Underwriting, Legal, Compliance, and carrier partners to refine product features and applications
Optimize Application Design: Provide expert guidance on bracketing, reflexive questions, and variability
Monitor Industry Trends: Stay ahead of regulatory changes and competitor filings
Improve Processes Continuously: Innovate on filing processes by implementing best practices and technology solutions
Collaborate with Cross-Functional Teams: Work with carriers, legal, and compliance teams to ensure seamless product offerings
Develop and Refine Regulatory Solutions: Shape product designs and applications to balance innovation with regulatory standards
Communicate Effectively: Provide regular updates to stakeholders, including carriers, regulators, and product teams
Drive Strategic Initiatives: Develop and execute plans to drive growth and innovation in the product regulatory filings space
Foster Industry Relationships: Build and maintain strong relationships with regulators, carriers, and other industry stakeholders

Skills

Ethos Life

Online life insurance with no medical exams

About Ethos Life

Ethos Life provides life insurance solutions through a fully online platform, making it easier for individuals and families to obtain coverage without the need for medical exams. The application process is streamlined, allowing potential clients to receive instant quotes and often get approved within minutes by answering specific health and lifestyle questions. This approach contrasts with traditional life insurance methods, which can be lengthy and cumbersome. Ethos Life sells term and whole life insurance policies through partner carriers and earns commissions on these sales. Additionally, the company offers complimentary estate planning tools, such as free wills, to enhance the customer experience and set itself apart from competitors. The goal of Ethos Life is to provide straightforward and affordable life insurance options while simplifying the overall process for its customers.

Austin, TexasHeadquarters

2016Year Founded

$395.4MTotal Funding

SERIES_DCompany Stage

Financial ServicesIndustries

501-1,000Employees

Risks

Departure of key executives like CFO Anan Kashyap may affect financial strategy.

Class action lawsuit under Illinois genetic privacy law could harm Ethos's reputation.

Recent layoffs may indicate financial strain, affecting employee morale and performance.

Differentiation

Ethos Life offers a fully online life insurance application process, eliminating medical exams.

The company provides complimentary estate planning tools, enhancing customer value and experience.

Ethos partners with major insurers like Legal & General America to ensure policy reliability.

Upsides

Growing demand for no-exam life insurance policies boosts Ethos's market potential.

Increased consumer interest in digital insurance solutions aligns with Ethos's tech-driven model.

Partnerships with companies like Ameritas expand Ethos's product offerings and market reach.

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