Ethos Life

Product Filing Lead

Job Description

About Ethos

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.

What You’ll Do

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.

Why This Role?

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!

#LI-Remote #JA-1

The US national base salary range for this full-time position is $100,000 - $140,000. Our salary ranges are determined by role, level, and location. The range displayed on each job posting reflects the minimum and maximum target for new hire salaries for the position across all US locations. Within the range, individual pay is determined by work location and additional factors, including job-related skills, experience, and relevant education or training.

Please note that the compensation details listed in US role postings reflect the base salary only and do not include applicable bonus, equity, or benefits.

You can find further details of our US benefits at https://www.ethoslife.com/careers/

Don’t meet every single requirement? If you’re excited about this role but your past experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyway. At Ethos we are dedicated to building a diverse, inclusive and authentic workplace.

We are an equal opportunity employer who values diversity and inclusion and look for applicants who understand, embrace and thrive in a multicultural world. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Pursuant to the SF Fair Chance Ordinance, we will consider employment for qualified applicants with arrests and conviction records.

To learn more about what information we collect and how it may be used, please refer to our California Candidate Privacy Notice.