Insurance Product Analyst

Kin is redesigning insurance to be smarter, faster, and centered on the customer. We use intelligent pricing, offer seamless bundling, and make every step (from purchasing, servicing to claims) simple and friction-free, especially in the places traditional insurers often ignore.

We empower people to protect what matters most, starting with their homes and expanding to all they value, in a world where climate risks, rising costs, and outdated systems leave too many behind. Our approach has fostered amazing growth, attracted marquee investors, and earned us accolades, including being named to:

• Built In Chicago's Best Places to Work, Midsize Companies (2021-2025).

• Forbes' America's Best Startup Employers (2021- 2024, Ranked #37 in 2024).

• Inc. 5000 Fastest-Growing Private Companies.

• Forbes’ Fintech 50.

Simply put, our people are what make us great – we need forward-thinking, inspired game-changers like you to join us in our mission.

So, what’s the role?

Kin is looking  for an Auto Forms & Rates Analyst to join our insurance team and leverage their industry expertise to drive profitable growth for assigned lines and states. This role will play a key part in launching and optimizing our Auto Product, with a strong focus on Auto Forms, regulatory compliance, and state-specific strategy.

A day in the life could include:

• Developing, filing, and implementing personal auto insurance forms to ensure compliance and integration with company offerings, including understanding and applying ISO and AIS standards.

• Collaborating with the State Product Manager on state management, including pricing, underwriting, regulatory approvals, and project execution, with a focus on building out new states.

• Owning P&L responsibilities, managing business performance, and driving improvements for optimal results.

• Conducting market research, competitive analysis, and gathering customer feedback to identify gaps and enhance products, including analyzing competitor forms and rates.

• Aligning state-specific strategies across actuarial, claims, distribution, and other areas to meet financial goals.

• Improving user and agent experience by automating processes and identifying enhancements.

• Preparing and submitting form filings to State Departments of Insurance, ensuring approvals and compliance, including filings on SERFF and understanding state-specific requirements.

• Collaborating with cross-functional teams to develop and test form business requirements.

• Leading state projects and executing operational goals to drive efficiency.

• Conducting rate analysis to ensure competitive and accurate pricing, utilizing Excel and other analytical tools to interpret and manipulate data.

• Interpreting and incorporating state statutes and legal language into policy forms.

• Working with implementation and technology teams regarding rates and forms specifications.

I’ve got the skills...but do I have the necessary ones?      

• 2+ years of experience in auto forms, coverage, and insurance regulations.

• 1+ years of relevant insurance product and functional experience.

• A bachelor’s degree in business management, mathematics, finance, actuarial science, accounting, economics, engineering, or another quantitative discipline.

• A proven ability to grasp new concepts quickly, adapt to changes, and excel in a fast-paced environment.

• Exceptional written, verbal, and project management skills.

• A knack for fostering teamwork and building strong relationships with stakeholders.

• Strong understanding of insurance industry standards (ISO, AIS).

• Experience with regulatory filings, including SERFF and state-specific systems.

• Ability to interpret and apply state statutes and legal language.

• Proficiency in Excel and data analysis.

• Openness to learning and expanding skill sets beyond traditional forms analysis and into rate analytics.

Oh, and don’t worry, we’ve got you covered! 

We offer a comprehensive benefits program, allowing you to choose the benefits that are best for you and your family including Medical, Dental, Vision, Life Insurance, and Disability Insurance options, an Employee Assistance Program, as well as elective voluntary benefits such as accident insurance, hospital indemnity, critical illness, legal assistance and pet insurance.  

• In addition to these benefits, we also are excited to offer the following: 

  • Competitive salary and equity  

  • 401K with a company match of up to 4%  

  • Flexible PTO for exempt employees, along with 8 company-observed holidays 

  • A paid parental leave program that provides 100% salary continuation of up to 14 weeks for birthing parents and 8 weeks for non-birthing parents 

  • Continuing education and professional development opportunities

Kin will accept applications for the role until April 25th, 2025.

#LI-EG1

For Sales Agents and Customer Service Agents: These roles sit in any of the following 30 states: AL, AZ, CO, FL, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MT, NC, NE, NM, NV, NY, OH, OK, PA, SC, TN, TX, UT, VT, VA, WA, and WI.

For all other positions, these roles can sit in any of the following 40 states: AL, AR, AZ, CA (exempt only), CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, MA, ME, MD, MI, MN, MO, MT, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, and WI. Please only apply if you are able to live and work full-time in one of the states listed above.

State locations and specifics are subject to change as our hiring requirements shift.

Kin is the only pure-play, direct-to-consumer digital insurer focused on the growing home insurance market. We make policies convenient and affordable through a technology platform that delivers a seamless user experience, customized options for coverage, and fast, high-quality claims service. Kin is a fully licensed carrier that offers coverage through its reciprocal exchanges which are owned by its policyholders. To learn more, visit www.kin.com.

Kin is proud to be an Equal Employment Opportunity and Affirmative Action Employer. We don't just accept difference – we honor it, nurture it, and celebrate it. We don’t discriminate based on race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.