Senior Product Analyst, Coverage & Forms

independencepetgroup; United States; Remote; USD 120,000 - 160,000; Full time

Job summary

Independence Pet Holdings in the US is seeking a Senior Product Analyst in Coverage & Forms to lead the development and maintenance of pet insurance policy forms and coverage language. This remote role partners with Product, Actuarial, Underwriting, Compliance, and MGA teams to ensure accurate pricing and regulatory compliance.

The ideal candidate has extensive experience in insurance product language, underwriting guidelines, and project leadership to support evolving underwriting practices

Qualifications

• 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.

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.

Skills

Insurance knowledge

Policy language

Underwriting

Regulatory awareness

Project management

Job description

Established in 2021, Independence Pet Holdings is a corporate holding company that manages a diverse and broad portfolio of modern pet health brands and services, including insurance, pet education, lost recovery services, and more throughout North America.

We believe pet insurance is more than a financial product and build solutions to simplify the pet parenting journey and help improve the well-being of pets. As a leading authority in the pet category, we operate with a full stack of resources, capital, and services to support pet parents. Our multi-brand and omni-channel approach include our own insurance carrier, insurance brands and partner brands.

Senior Product Analyst, Coverage & Forms

This role is based in the US and is a fully remote position

Position Summary

The Senior Analyst, Coverage & Forms (Product Underwriting) plays a key role in the development, maintenance, compliance, and enhancement of pet insurance policy forms, coverage language, and underwriting guidelines. This position partners closely with Product, Actuarial, Underwriting, Compliance, MGA partners, and other stakeholders to ensure policy language accurately reflects pricing, underwriting intent, regulatory requirements, and customer needs.

The ideal candidate combines strong insurance product knowledge, coverage form development experience, regulatory awareness, and exceptional project management skills to support the ongoing evolution of the organization's products and underwriting practices.

Key Responsibilities

Coverage & Forms Development

• 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.

Regulatory Compliance & Filings

• 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.

Stakeholder Collaboration

• 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.

Underwriting & Product Support

• 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.

Implementation & Documentation

• 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.

Qualifications

Required Experience

• 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.

Preferred Experience

• 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, an