Principal Product Manager, Life Insurance Products

About Ethos

Ethos was built to make it faster and easier to get life insurance for the next million families. Our approach blends industry expertise, technology, and the human touch to find you the right policy to protect your loved ones.

We leverage deep technology and data science to streamline the life insurance process, making it more accessible and convenient. Using predictive analytics, we are able to transform a traditionally multi-week process into a modern digital experience for our users that can take just minutes! We’ve issued billions in coverage each month and eliminated the traditional barriers, ushering the industry into the modern age. Our full-stack technology platform is the backbone of family financial health.

We make getting life insurance easier, faster and better for everyone.

Our investors include General Catalyst, Sequoia Capital, Accel Partners, Google Ventures, SoftBank, and the investment vehicles of Jay-Z, Kevin Durant, Robert Downey Jr and others. This year, we were named on CB Insights’ Global Insurtech 50 list and BuiltIn’s Top 100 Midsize Companies in San Francisco. We are scaling quickly and looking for passionate people to protect the next million families!

About the Role

Ethos is looking for a Principal Product Manager, Life Insurance Products with deep experience in the life insurance industry. This includes developing and launching new life insurance products, understanding policy administration systems, and extensive knowledge of the entire life insurance lifecycle — including product design, distribution, underwriting, purchase, and administration.

You will play a critical role in identifying and analyzing new product and insurance distribution opportunities. The goal is to ensure the products developed deliver the highest value to customers, agents, and partners.

In this role, you will work with cross-functional teams of engineers, designers, and data scientists to streamline the end-to-end life insurance lifecycle. Success requires validating key hypotheses before team commitment, iterating quickly to achieve product-market fit, and optimizing products to scale.

Duties & Responsibilities:

• Lead the end-to-end development of life insurance products, including Whole Life, Permanent Life, Term, Indexed Universal Life, Final Expense, Disability Insurance, and insurance riders.
• Collaborate closely with carrier partners to implement new products and ensure seamless integration into the broader product ecosystem.
• Work cross-functionally with engineering, design, internal stakeholders, and third parties to develop a deep understanding of policy administration systems and their role in the life insurance lifecycle.
• Integrate with policy administration systems and other carrier systems to ensure smooth product implementation, data flow, and operational efficiency.
• Leverage ACORD standards to enable standardized insurance data exchange, alignment, and compliance across systems.
• Analyze new product opportunities and insurance distribution channels to ensure products meet customer needs while delivering maximum business value.
• Drive the development and integration of eApplication systems to simplify the life insurance application process and improve the customer experience.
• Oversee policy contract creation systems to ensure accurate, efficient, and compliant generation of policy documents and contracts.
• Create a clear and compelling medium- and long-term vision for specific Ethos product areas.
• Build a product discovery process for exploring new product ideas. Use experiments to validate key hypotheses quickly and effectively.
• Optimize the life insurance product portfolio with a focus on accessibility, simplicity, and driving business impact.

Skills & Qualifications:

• A minimum of 10 years of experience in product management with a proven track record of launching life insurance products and delivering clear, demonstrated results.
• Extensive knowledge of the entire life insurance lifecycle, including policy administration systems, underwriting, and policy issuance.
• Experience with ACORD standards to facilitate standardized insurance data exchange and alignment across processes.
• Hands-on experience designing, implementing, and maintaining eApplication systems to enhance the digital insurance application experience.
• Proficiency in policy contract creation systems to ensure accuracy, efficiency, and compliance in policy document generation.
• Experience integrating with policy administration systems and other carrier systems to support seamless product implementation and operational workflows.
• Strong analytical skills to identify and evaluate new product opportunities and insurance distribution channels. Ensure alignment with customer needs and business goals.
• A demonstrated ability to scale and optimize products, driving both usage and customer satisfaction.
• A growth mindset — you thrive on experimentation, data analysis, and an unwavering focus on delivering results.
• A strong understanding of current product best practices, with a forward-thinking perspective on the future of product development.
• A sense of urgency and the ability to make an impact in a fast-paced environment.

The US national base salary range for this full-time position is $129,000 – $228,000. Our salary ranges are determined by role, level, and location. The range displayed on each job posting reflects the minimum and maximum target for new hire salaries for the position across all US locations. Within the range, individual pay is determined by work location and additional factors, including job-related skills, experience, and relevant education or training.

Please note that the compensation details listed in US role postings reflect the base salary only and do not include applicable bonus, equity, or benefits.

You can find further details of our US benefits at https://www.ethoslife.com/careers/

Don’t meet every single requirement? If you’re excited about this role but your past experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyway. At Ethos we are dedicated to building a diverse, inclusive and authentic workplace.

We are an equal opportunity employer who values diversity and inclusion and look for applicants who understand, embrace and thrive in a multicultural world. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Pursuant to the SF Fair Chance Ordinance, we will consider employment for qualified applicants with arrests and conviction records.