Policy Filing Analyst

Position Summary

This position is responsible for managing the full lifecycle of insurance products, forms, and rate filings, while ensuring all materials meet state regulatory requirements. It combines technical regulatory analysis with the ability to build strong, professional relationships with state insurance department reviewers. The role requires interpreting statues and regulations, drafting and revising policy forms, responding to detailed objections, and navigating filing systems such as SERFF. Success depends on the ability to analyze complex information, communicate clearly in writing, and approach regulatory challenges with curiosity and persistence. The position also collaborates closely with internal partners to gather information, validate changes, and ensure filings align with product intent and operational needs. This work demands accuracy, attention to details, and the confidence to take initiative - even when tackling large volumes of regulatory feedback-while maintaining a proactive, solutions-oriented mindset.

Key Responsibilities

• Serving as a subject matter expert (SME) related to policy forms compliance in assigned states.
• Drafting and reviewing policies, riders, applications, and other forms for conformity with state regulations and revising as necessary.
• Compiling and submitting new and revised policy forms, riders, rates, and applications with state insurance departments through SERFF or other industry portals.
• Preparing support materials for the filing of forms such as explanatory memoranda, state required checklists, certifications and Flesch readability scores.
• Developing and maintaining positive relationships with state reviewers.
• Communicating with state insurance departments, including responding to objections and researching applicable statues and regulations.
• Communicating internally with Product Actuaries and other departments to ensure forms changes are accurate and acceptable and to ensure that revisions align with product pricing, administration and claims adjudication.
• Maintenance of all filed and no-filed forms and rates, including the policy filing database or other tracking systems, product specifications, state variations and filing dispositions, etc.
• Reviewing and applying state insurance code forms and rate filings.
• Assisting with research regarding compliance issues and staying informed on industry-related developments and activities.

Qualifications

• Four years plus experience in business or a related field required.
• Insurance industry is helpful.
• Strong analytical and negotiation skills required,
• Professional oral and written communication skills required.
• Decision-making ability required and ability to analyze state insurance rules and regulations.
• Knowledge of administrative practices relating to company procedures and digital systems beneficial.
• LOMA designations helpful (ALMI required within 18 months of hire). Other industry certifications strongly encouraged.

Benefits

• Paid time-off
• Health, dental, vision insurance
• 401(k) with company contributions, Company Profit Sharing
• Life and disability insurance
• HSA
• Paid Volunteer Time
• Free parking

Zelle is an Equal Opportunity Employer

#ZelleB