Job Description
Horace Mann is seeking a detail-oriented and analytical Product Compliance Analyst to support regulatory compliance and product development initiatives across our insurance business.
In this role, you’ll play an important part in ensuring insurance products, policy forms, and marketing materials meet applicable state and federal regulatory requirements. You’ll research and interpret insurance laws, prepare regulatory filings, support product approvals, and collaborate with internal business partners to help bring compliant products and communications to market.
The ideal candidate is a curious and resourceful problem solver who enjoys researching complex regulations, working with detailed information, and finding practical solutions. If you’re passionate about regulatory compliance, have strong analytical skills, and enjoy collaborating across departments, we’d love to hear from you.
Key Responsibilities
Regulatory Filings & Product Approvals
- Draft, prepare, submit, and coordinate regulatory filings and approvals of insurance policy forms with State Departments of Insurance.
- Participate in the product approval process, including state-specific revisions to policy forms, filing requirements, and regulatory approvals.
- Monitor filing activity and coordinate necessary follow-up to support timely product approvals.
- Prepare and submit routine state and federal compliance reports as required.
- Maintain accurate regulatory documentation and support the ongoing management of the Compliance Document Retention database.
Regulatory Research & Compliance
- Research, interpret, and apply state insurance laws, regulations, statutes, and regulatory bulletins to existing and developing insurance products.
- Review policy forms and related documentation to ensure accuracy and compliance with applicable regulatory requirements.
- Monitor legislative and regulatory changes and help identify their impact on existing products and business practices.
- Conduct legal and regulatory research using resources such as Wolters Kluwer INSource, online regulatory resources, and other approved research tools.
- Compile legal surveys and regulatory research summaries to support the Compliance Department and business decision-making.
Product Development & Business Partnership
- Participate in new product development and product enhancement initiatives to support regulatory compliance throughout the product lifecycle.
- Collaborate with Product Development and other business areas to implement required product changes.
- Communicate regulatory updates, product changes, and compliance requirements to appropriate internal stakeholders.
- Assist with compiling product materials for state payroll vendors and other business partners.
- Respond to product compliance questions from employees and internal departments.
Advertising & Marketing Compliance
- Partner with Marketing to develop and review internal and external advertising materials.
- Evaluate marketing and advertising content for compliance with applicable laws, regulations, and company standards.
- Identify potential errors, misleading statements, or regulatory concerns and recommend appropriate revisions.
- Support the development of accurate, compliant product communications.
Operational Excellence & Special Projects
- Maintain accurate records, filing documentation, and compliance information within established systems.
- Manage multiple assignments while meeting regulatory deadlines and business priorities.
- Identify opportunities to improve regulatory filing processes, documentation, and operational efficiency.
- Assist the Compliance Director with special projects, research, and other compliance initiatives as assigned.
Qualifications & Experience
Required
- Bachelor’s degree, paralegal degree, or equivalent relevant professional experience.
- Strong ability to research, understand, interpret, and apply insurance laws, statutes, regulations, and regulatory bulletins.
- Strong analytical, research, and problem-solving skills.
- Excellent written and verbal communication skills, including the ability to communicate effectively with leadership and business partners.
- Strong attention to detail, organization, and commitment to accuracy.
- Ability to manage competing priorities, meet deadlines, and work effectively under pressure.
- Self-motivated, adaptable, and able to work both independently and collaboratively.
- Proficiency with Microsoft Office applications, including Excel and PowerPoint.
- Proficiency with the System for Electronic Rates & Forms Filing (SERFF).
- Ability to conduct legal and regulatory research using online resources and INSource.
Preferred
- 2+ years of insurance industry experience.
- Previous experience in insurance product compliance, regulatory filings, product development, or a related area.
- Experience reviewing insurance policy forms, advertising materials, or regulatory documentation.
- Completion of insurance-related professional development programs or designations, including:
- Associate, Customer Service (ACS)
- Associate, Life Management Institute (ALMI)
- Fellow, Life Management Institute (FLMI)
- Associate, Insurance Regulatory Compliance (AIRC)
Skills & Competencies
- Insurance regulatory compliance
- State insurance filings and product approvals
- Regulatory and legal research
- Policy form review and documentation
- SERFF and INSource
- Analytical thinking and problem-solving
- Strong written and verbal communication
- Attention to detail and accuracy
- Organization and deadline management
- Cross-functional collaboration
- Adaptability and independent judgment
- Continuous improvement mindset
Pay Range:
- $57,500.00 - $79,100.00 annually + bonus
Salary is commensurate to experience, location, etc.
Horace Mann was founded in 1945 by two Springfield, Illinois, teachers who saw a need for quality, affordable auto insurance for teachers. Since then, we’ve broadened our mission to helping all educators protect what they have today and prepare for a successful tomorrow. And with our broadened mission has come corporate growth: We serve more than 4,100 school districts nationwide, we’re publicly traded on the New York Stock Exchange (symbol: HMN) and we have more than $12 billion in assets.
We’re motivated by the fact that educators take care of our children’s future, and we believe they deserve someone to look after theirs. We help educators identify their financial goals and develop plans to achieve them. This includes insurance to protect what they have today and financial products to help them prepare for their future. Our tailored offerings include special rates and benefits for educators.
EOE/Minorities/Females/Veterans/Disabled. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status
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