Insurance Product Analyst

Overview

This role is part of a small, fast-moving Insurance Product team. The Insurance Product Analyst supports performance, pricing, and regulatory execution of personal auto products across multiple states—including the policy forms and filings required to bring product changes to market. The analyst helps keep the book’s performance visible, supports rate and rule change filings and approvals, and performs analysis that informs next-step product and pricing decisions.

Responsibilities

• Prepare, submit, and track rate, rule, and policy form filings in SERFF
• Respond to regulator objections and ensure filings are reasonable, adequate, and compliant
• Monitor profitability and performance for assigned states using standard industry metrics (top-line and bottom-line), and report monthly with clear commentary on key drivers
• Investigate performance questions end to end: pull data, sanity-check results, identify drivers, and recommend actions
• Monitor competitor rates, filings, and products, and translate findings into implications for pricing and product decisions
• Support the policy forms program:
  • Maintain forms status by state
  • Help draft and revise forms and endorsements with Legal and Compliance
  • Keep forms, rates, and effective dates aligned for state launches and product changes
• Build templates and processes to improve efficiency across the Insurance Product function
• Review analytical output for accuracy and clearly explain and defend results to non-technical audiences
• Organize project work across multiple moving parts by tracking deliverables, deadlines, and owners, and keeping team/leadership informed
• Collaborate cross-functionally with Growth, Product Technology, Claims, Legal, and Compliance on projects and launches
• Document processes and maintain Insurance Product documentation to enable team scaling
• Use AI tools actively and with good judgment to accelerate analysis, surface pricing and performance insights, and improve workflow efficiency

Requirements

• Bachelor’s degree, or equivalent education, training, and work-related experience
• 2+ years of relevant work experience in insurance, analytics, product, or a closely related field
• Strong Excel skills and comfort working with large datasets from multiple sources, including the ability to read, sanity-check, and explain data
• Working knowledge of insurance data and metrics (loss ratio, frequency/severity, rate change, retention, etc.)
• Strong problem-solving skills and attention to detail
• Strong organizational skills and ability to manage multiple priorities in a dynamic environment
• Clear written and verbal communication, including regulator-facing and leadership-facing writing, with willingness to challenge the status quo
• Alignment with core values
• Hands-on experience using AI tools to do real work, including good judgment about when to trust outputs and when to validate them (required)
• Physical requirements: prolonged periods of sitting at a desk and working on a computer

Preferred Qualifications

• Personal auto or P&C insurance experience
• Experience with SERFF, policy forms, rate filings, or regulator objection responses
• Experience with Airtable or similar requirements-tracking tools
• Demonstrated experience building AI-assisted workflows, automated reporting, or analytics tooling in an insurance or product environment

Compensation & Benefits

• Base compensation range: $85,000 - $105,000 (USD) annually
• Medical: affordable BCBS plans for you and your dependents; HRA and HSA contributions if selecting the high deductible health plan
• Dental and Vision: 100% of dental and vision premiums for you and your dependents
• Pre-tax benefits, disability, and life insurance
• 401(k): company contributes 3% even if you contribute nothing
• Generous vacation, 12 paid holidays, and parental leave
• Equity in the company and an annual bonus program
• Employee auto insurance discount (if available in your state)

Location

Remote-first with flexible work locations. If local or visiting Chicago, you can also work from the HQ office.