Product Filing Lead

Ethos was built to make it faster and easier to get life insurance for the next million families. Our approach blends industry expertise, technology, and the human touch to find you the right policy to protect your loved ones.

We leverage deep technology and data science to streamline the life insurance process, making it more accessible and convenient. Using predictive analytics, we are able to transform a traditionally multi-week process into a modern digital experience for our users that can take just minutes! We’ve issued billions in coverage each month and eliminated the traditional barriers, ushering the industry into the modern age. Our full-stack technology platform is the backbone of family financial health.

We make getting life insurance easier, faster and better for everyone.

Our investors include General Catalyst, Sequoia Capital, Accel Partners, Google Ventures, SoftBank, and the investment vehicles of Jay-Z, Kevin Durant, Robert Downey Jr and others. This year, we were named on CB Insights' Global Insurtech 50 list and BuiltIn's Top 100 Midsize Companies in San Francisco. We are scaling quickly and looking for passionate people to protect the next million families!

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.