Insurance Product Development Manager

Role Description

You'll design new insurance products and features, then drive their rollout across new and existing states. This role sits at the intersection of pricing strategy and product development — turning market insight and risk analysis into new coverage options, rating features, and pricing enhancements that customers actually feel.

• Design and develop new insurance products, rules, coverages, and enhancements that improve competitiveness and customer value.
• Lead state expansion efforts by building and launching pricing models for new states, and optimizing existing state models for performance.
• Own the research and proposal of new products, rules, coverages, and enhancements.
• Own the end-to-end rollout process, from initial pricing analysis through launch and post-launch monitoring.
• Leverage AI and machine learning tools to enhance pricing accuracy, uncover emerging risk patterns, and accelerate analytical workflows.
• Partner cross-functionally with actuarial, product, and compliance teams to ensure new features are technically sound and regulator-ready.
• Build and maintain dashboards and KPIs that track the performance of newly launched products and pricing features.
• Translate market and competitive research into concrete product recommendations and pricing adjustments.
• Identify opportunities for pricing innovation ahead of state expansion, ensuring readiness for regulatory review and market entry.

Qualifications

• 5+ years of insurance product development experience.
• Demonstrated experience building or launching new insurance products, features, or rating enhancements.
• Experience supporting state expansion efforts, including new-state pricing model development and regulatory readiness.
• Hands-on experience applying AI and machine learning tools to pricing, underwriting, or risk workflows, with measurable results.
• Strong understanding of regulatory modeling and compliance requirements across multiple states.
• Ability to translate market research and competitive analysis into concrete pricing and product recommendations.
• Comfortable partnering cross-functionally with actuarial, product, and compliance teams without formal authority over those teams.
• Homeowners insurance experience preferred but not necessary.

Requirements

• Success in this role is less about checking boxes and more about the impact you create.
• New pricing products or features have been successfully launched, showing meaningful impact to growth goals.
• State expansion pricing models are built, validated, and ready for regulatory submission.
• AI/ML tools are actively integrated into the pricing development workflow, improving speed or accuracy of analysis.
• Cross-functional partners trust this person's product recommendations and rely on their analysis to make launch decisions.

Benefits

• Remote-first work environment.
• Opportunities for meaningful work with real impact.
• Access to a supportive and collaborative team culture.

Company Description

Kin makes life simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it hardest. We start with smarter homeowners insurance and expand to everything homeowners need to thrive.

• Founded in 2016, Kin is a remote-first employer with Kinfolk across more than 35 states.
• We serve customers in 14 states (and counting).
• Recognized by Built In Chicago's Best Places to Work, Midsize Companies (2021-2026).
• Listed in Forbes' America's Best Startup Employers (2026).
• Included in Inc. 5000 Fastest-Growing Private Companies.
• Featured in Forbes' Fintech 50 (2023-2026).
• Great Places to Work Certified (2024-2026).