We're looking for an Actuarial Associate to join our team and help push car insurance into the future. You'll bring actuarial discipline to some of the most complex questions in the business — from distribution to underwriting, claims, and beyond — while using competitive data and data science to make sure our pricing is fair, accurate, and built for scale.
We believe three things matter for every role at Lemonade: drive to push through challenges, efficiency that keeps standards high while moving fast, and adaptability that lets you pivot with data and AI insights. These aren't buzzwords, they're how we actually work.
Our AI-first approach isn't just a tagline either. We're building the future of insurance with AI at the center, and we need people who are genuinely excited to learn and grow alongside these tools.
In this role you’llOwn and develop expertise on our car rating plans and rate indications
Contribute to predictive modeling projects in close partnership with the Data Science team
Craft rate filing support for new machine learning models
Identify pricing and underwriting opportunities based on ongoing monitoring of results
Build a knowledge base of competitor rating strategies and the broader competitive landscape
Partner cross-functionally with Underwriting, Product, Claims, and BI to drive alignment and action
Advance your actuarial credentials through recognized qualifications and industry research, bringing those learnings directly into your work
4+ years of P&C actuarial experience, preferably in personal lines pricing
5 CAS exams, preferred
Bachelor's degree in Actuarial Science, Mathematics, Statistics, or a related field
Working knowledge of data science programming languages like R or Python, and proficiency in SQL
Familiarity with predictive modeling concepts, including GLMs, decision trees, gradient boosting machines, random forests, and clustering
A genuine sensitivity to model transparency and ethics
Excitement about learning and growing alongside AI — this isn't optional, it's how we work
Ability to work in a remote environment
Please note that we are unable to sponsor applicants for work visas.
Unfortunately, we cannot consider applicants from these states: Alaska, California, Colorado, Montana, Hawaii, New Mexico and Puerto Rico.
Lemonade's US base salary range for this full-time position is $125,000 - $140,000 plus equity + benefits. Our salary ranges are determined by role, level, and location. Within the range, individual pay is determined by work location and additional factors, including job-related skills, experience, and relevant education or training. Speak to your recruiter to hear more about the specific salary range for your preferred location.
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Skills Required
- 4+ years of P&C actuarial experience
- Personal lines pricing experience
- 5 CAS exams
- Bachelor's degree in Actuarial Science, Mathematics, Statistics, or related field
- Working knowledge of R or Python
- Proficiency in SQL
- Familiarity with predictive modeling concepts (GLMs, decision trees, gradient boosting machines, random forests, clustering)
- Sensitivity to model transparency and ethics
- Excitement about learning and growing alongside AI
- Ability to work in a remote environment
- Authorized to work in the US without visa sponsorship
- Cannot be located in Alaska, California, Colorado, Montana, Hawaii, New Mexico, or Puerto Rico
Lemonade Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Lemonade and has not been reviewed or approved by Lemonade.
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Healthcare Strength — Cigna-administered medical plans provide multiple options (EPO/OAP/OAPIN/HDHP) alongside dental, vision, prescription coverage, disability, and life/AD&D. 2026 plan materials and state notices indicate broad essential health benefits with mainstream networks.
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Retirement Support — A tiered 401(k) match structure is documented, offering meaningful employer contributions when employees save. This complements equity grants/RSUs that are commonly included in total rewards.
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Leave & Time Off Breadth — Employee-reported baselines around defined PTO and company holidays, plus flexible sick time, position time off as a strength. Parental leave is frequently described as generous for the U.S. context, though candidates should confirm current specifics.
Lemonade Insights
What We Do
Our mission is simple: Create the world’s most loved insurance through technology and social impact. As a certified Public Benefit Corporation and B-Corp, Lemonade is constantly challenging how the insurance industry does business. We’re creating an experience that is fast, affordable, and hassle-free across renters, homeowners, pet, life and car insurance. And through our annual Giveback program, in which leftover premiums are donated to charities our customers choose, we’ve donated nearly $5 million to a variety of organizations in need.
Why Work With Us
We’ve set out to make insurance loveable, fast, simple, and socially impactful - words that aren’t often associated with this industry. We’re a Certified B-corp, the only US insurance company to never invest in polluting industries, and our annual Giveback program has donated nearly $5 million globally to nonprofits in need.
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