Product Filing Analyst, Group Benefits

As the Product Filing Analyst you will be responsible for drafting, filing and securing regulatory approval of new group and retail insurance contracts, as well as changes to existing products. You will also assess the impact of regulatory updates and changes on our products, including those we currently market and older generations of products that remain in force. You will also conduct quality review of new contract documents, looking for potential regulatory issues, opportunities to simplify language, grammar and punctuation errors and accuracy of variability.

You Are

• Someone who understands and appreciates the importance of precise, unambiguous policy language that protects the company’s interest and is easy for the average consumer to read and understand.
• Comfortable reading and interpreting insurance laws and regulations.

You Will

• Assess the impact of regulatory updates and changes on our products, including those we currently market and older generations of products that remain in force.
• Conduct quality review of new contract documents, looking for potential regulatory issues, opportunities to simplify language, grammar and punctuation errors and accuracy of variability.
• Takes final generic contract documents and makes the state-specific changes needed to comply with the state's regulatory requirements, while utilizing our simplified language approach.
• Submit new contract documents to the state and manage state objections, making language revisions as needed, and crafting arguments to address changes we don't think are necessary..
• Manage new rate filings, advertising filings, regulatory (RFMO) filings, HCR binder filings.

You Have

• Outstanding written and verbal communication skills
• Strong analytical skills
• The ability to collaborate with appropriate stakeholders to assess and understand the impact contract language can have on administration, marketing, sales, underwriting, pricing, claims and, ultimately, financial performance.
• B.S. in Business Administration or other relevant field, or equivalent work experience.
• 2+ years of group or individual life and health product experience.
• Previous product compliance/state filing experience (developing and obtaining state approval of insurance products) - preferred but not required.
• Regulatory research platform experience, such as Wolters Kluwer and SERFF knowledge - preferred but not required.
• Claims experience or other experience interpreting insurance contracts is a plus.

Travel/Role Type

This is a hybrid role, in office 3 days a week in either: Bethlehem PA, Holmdel, New York City or Boston locations.

Salary Range:

The salary range reflected above is a good faith estimate of base pay for the primary location of the position. The salary for this position ultimately will be determined based on the education, experience, knowledge, and abilities of the successful candidate. In addition to salary, this role may also be eligible for annual, sales, or other incentive compensation.

Our Promise

At Guardian, you’ll have the support and flexibility to achieve your professional and personal goals. Through skill-building, leadership development and philanthropic opportunities, we provide opportunities to build communities and grow your career, surrounded by diverse colleagues with high ethical standards.

Inspire Well-Being

As part of Guardian’s Purpose – to inspire well-being – we are committed to offering contemporary, supportive, flexible, and inclusive benefits and resources to our colleagues. Explore our company benefits at . Benefits apply to full-time eligible employees. Interns are not eligible for most Company benefits.

Equal Employment Opportunity

Guardian is an equal opportunity employer. All qualified applicants will be considered for employment without regard to age, race, color, creed, religion, sex, affectional or sexual orientation, national origin, ancestry, marital status, disability, military or veteran status, or any other classification protected by applicable law.

Accommodations

Guardian is committed to providing access, equal opportunity and reasonable accommodation for individuals with disabilities in employment, its services, programs, and activities. Guardian also provides reasonable accommodations to qualified job applicants (and employees) to accommodate the individual's known limitations related to pregnancy, childbirth, or related medical conditions, unless doing so would create an undue hardship. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact [email protected]. Please note: this resource is for accommodation requests only. For all other inquires related to your application and careers at Guardian, refer to the Guardian Careers site.

Visa Sponsorship

Guardian is not currently or in the foreseeable future sponsoring employment visas. In order to be a successful applicant. you must be legally authorized to work in the United States, without the need for employer sponsorship.

Current Guardian Colleagues: Please apply through the internal Jobs Hub in Workday.