Senior Product Analyst, Coverage & Forms

Independence Pet Group

4d•$82,275 - $102,843•Remote

About The Position

Independence Pet Holdings, established in 2021, is a corporate holding company managing a diverse portfolio of pet health brands and services across North America. They focus on simplifying the pet parenting journey and improving pet well-being through solutions like pet insurance. The company operates with a full stack of resources, capital, and services, utilizing a multi-brand and omni-channel approach that includes their own insurance carrier, insurance brands, and partner brands. This fully remote position, based in the US, is for a Senior Analyst, Coverage & Forms (Product Underwriting). This role is crucial for the development, maintenance, compliance, and enhancement of pet insurance policy forms, coverage language, and underwriting guidelines. The position requires close collaboration with Product, Actuarial, Underwriting, Compliance, MGA partners, and other stakeholders to ensure policy language aligns with pricing, underwriting intent, regulatory requirements, and customer needs. The ideal candidate will possess strong insurance product knowledge, experience in coverage form development, regulatory awareness, and excellent project management skills to support the organization's evolving products and underwriting practices.

Requirements

5+ years of insurance industry experience in coverage development, policy forms, underwriting, product management, compliance, or a related discipline.
Experience drafting, revising, and maintaining insurance policy language and coverage forms.
Knowledge of insurance regulatory requirements and state filing processes.
Experience managing multiple projects and timelines simultaneously.
Strong analytical, organizational, and documentation skills.

Nice To Haves

Property & Casualty, Pet Insurance, Specialty Insurance, or Personal Lines insurance experience.
Experience working with product filings and Department of Insurance submissions.
Experience supporting underwriting guideline development and implementation.
Experience conducting competitive coverage reviews and product comparisons.
Knowledge of veterinary terminology, animal health concepts, or pet insurance products.

Responsibilities

Draft, revise, and maintain policy coverage forms, endorsements, customer notices, and other insurance-related documents.
Develop coverage and benefit language that aligns with actuarial pricing, underwriting guidelines, business objectives, and customer needs.
Assist in the development and execution of insurance product, coverage, and forms strategies.
Create side-by-side coverage comparisons and competitive analyses to support product enhancements and regulatory filings.
Identify opportunities to improve coverage language, policy forms, underwriting guidelines, and related documentation.
Ensure policy forms and coverage language comply with applicable state regulations, statutes, and filing requirements.
Prepare filing documentation and assist with regulatory submissions and responses to Department of Insurance inquiries.
Validate form revisions using compliance tools and regulatory resources.
Maintain controls, documentation standards, and workflow processes supporting forms development and implementation.
Partner with Product, Underwriting, Actuarial, Compliance, Legal, Operations, and MGA stakeholders to support product development initiatives.
Lead stakeholder discussions to gather input, build consensus, and secure approvals for coverage and form changes.
Present recommendations, analyses, and project updates to business leaders and cross-functional teams.
Serve as a subject matter resource for coverage, forms, and underwriting-related questions.
Support the development and maintenance of underwriting guidelines, procedures, and controls.
Ensure underwriting guidelines are appropriately reflected in organizational products, policies, and procedures.
Conduct impact assessments related to coverage, forms, and underwriting changes.
Provide underwriting input on complex, escalated, large loss, fraud, or unique coverage situations when appropriate.
Identify areas of underwriting or coverage risk and recommend improvements.
Manage project timelines, deliverables, and implementation activities related to coverage and forms revisions.
Support testing, validation, and implementation of form changes within quoting, issuance, rating, and policy administration systems.
Develop communications, training materials, procedural documentation, and stakeholder resources related to coverage and forms changes.
Maintain high-quality documentation and version control standards across forms and underwriting materials.