Product Filing Lead

About the Role:

Ethos is seeking a dynamic expert to take ownership of our regulatory product and forms filing. In this role, you’ll blend hands-on regulatory acumen with forward-looking product innovation to bring life insurance solutions to the market efficiently and compliantly. You’ll collaborate with carriers and cross-functional teams to navigate complex state regulations, ensuring new products and policy forms are designed, filed, and approved seamlessly. Your industry relationships and deep subject-matter expertise will be essential to influence regulators, shape product designs, and accelerate approvals.

Duties and 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.

Qualifications and Skills:

• 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.
• Experience in SERFF system a plus.
• Bachelor’s degree required; 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 rapidly evolving organization where your expertise can drive both immediate and long-term success.

If you’re ready to lead the charge in filing next-generation life insurance products—from concept to approval—we’d love to connect!

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