Senior product analyst, coverage & forms

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.

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, animal health concepts, or pet insurance products.

Education

Candidates must meet one of the following requirements:

• Associate's Degree and relevant industry experience; or
• Equivalent combination of education and experience; or
• Certified Veterinary Technician (CVT); or
• Registered Veterinary Technician (RVT).

Success Profile

The successful candidate will demonstrate:

• Strong attention to detail and commitment to accuracy.
• Excellent written communication and policy drafting skills.
• Ability to balance regulatory requirements with business objectives.
• Strong collaboration and stakeholder management capabilities.
• Sound judgment and problem-solving skills.
• Ability to operate independently while managing multiple priorities.
• Intellectual curiosity and a continuous improvement mindset.
• High-quality, well-reasoned work product and ownership of deliverables.

Why Join Us

This position offers the opportunity to directly influence the design, compliance, and evolution of pet insurance products while partnering across Product, Actuarial, Underwriting, Compliance, and Operations. The role provides significant visibility, ownership, and impact in shaping coverage offerings that drive both business growth and customer value.

Compensation

Base pay range: $82,275 – $102,843 per year. This is the range we reasonably expect to pay at hire. Placement within the range depends on job-related factors such as experience, skills, and certifications.

Base pay is one part of a total rewards package that includes the benefits listed below.

All of our jobs come with great benefits including healthcare, parental leave and opportunities for career advancements. Some offerings are dependent upon the location of where you work and can include the following:

• Comprehensive full medical, dental and vision Insurance
• Basic Life Insurance at no cost to the employee
• Company paid short-term and long-term disability
• 12 weeks of 100% paid Parental Leave
• Health Savings Account (HSA)
• Flexible Spending Accounts (FSA)
• Retirement savings plan
• Personal Paid Time Off
• Paid holidays and company-wide Wellness Day off
• Paid time off to volunteer at nonprofit organizations
• Pet friendly office environment
• Commuter Benefits
• Group Pet Insurance
• On the job training and skills development
• Employee Assistance Program (EAP)

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