eFinancial

Product Analyst

• Develop, maintain, and analyze periodic experience reports summarizing product, distributor, underwriting, and profitability performance across Term Life, Whole Life, IUL, and related products.
• Analyze placement, persistency, claims, expenses, straight-through processing, manual underwriting reviews, and final underwriting outcomes to identify trends and disciplined product innovation opportunities.
• Prepare recurring KPI reporting and dashboards for product reviews, market intelligence discussions, and executive updates.
• Partner with cross-functional teams to translate insights into recommendations that support profitable growth across US Life functions.
• Contribute to new product development by supporting opportunity sizing, competitive and market analysis, product feature comparisons, pricing inputs, business case materials, launch readiness metrics, and post-launch performance tracking.
• Help manage the current product portfolio by monitoring performance trends, identifying products or segments needing corrective action, supporting portfolio rationalization, tracking product economics and operational complexity, and preparing recommendations for improvements.
• Document assumptions, data definitions, analytical methods, and findings clearly so analyses are repeatable, actionable, and improvable.
• Assist in the preparation of documentation supporting state filings for new and existing products.
• Support the development, maintenance, and validation of actuarial models, assumptions, and analyses used for pricing, profitability monitoring, product development, and business decision-making.
• Other duties/projects as assigned.

Actuarial Analyst, Product

Threat Intelligence Specialist

• Continuously monitor competitor, product, underwriting, pricing, distribution, technology, and market signals to identify meaningful shifts, risks, and opportunities.
• Translate raw intelligence into concise executive-ready outputs using the Insight → Implication → Action framework.
• Build and maintain the core CI toolkit over time, beginning with a market watch summary, competitor moves log, source library, and focused competitor profiles, then expanding into scorecards, battlecards, dashboards, and quarterly executive reviews as the function matures.
• Prioritize CI work based on decision impact, repeatability, and feasibility, ensuring the function produces fewer, sharper outputs rather than broad reporting that cannot be sustained.
• Conduct ad hoc deep dives on competitor moves, new entrants, partner opportunities, pricing changes, underwriting shifts, and distribution dynamics.
• Analyze where the company is winning or losing in the market and help identify the underlying drivers behind performance gaps.
• Partner with Product, Underwriting, Distribution, Marketing, Sales, and other cross-functional teams to validate findings and convert insights into action.
• Support quarterly executive competitive reviews, monthly market summaries, and rapid-response briefs for time-sensitive competitive developments.
• Build and maintain the SharePoint-based CI intelligence hub, including competitor profiles, source library, market watch archive, decision briefs, and competitor moves log.
• Use AI-enabled tools and workflow automation to accelerate signal gathering, summarize recurring sources, classify competitive moves, and improve consistency of outputs while maintaining human judgment and source validation.

Competitive Intelligence Analyst

Investigator

• Case Intake & Triage: Review alerts, referrals, and claims for indicators of fraud or suspicious activity, including misrepresentation, forgery, beneficiary fraud, and agent/distributor misconduct.
• Independently prioritize and triage the SIU’s cases based on risk, severity, exposure, regulatory deadlines and reputational risk.
• Establish and maintain accurate, audit-ready case logs and documentation standards in accordance with internal procedures and regulatory guidelines.
• Manage a concurrent caseload of complex, high-value investigations from intake through resolution, often serving as escalation point for cases initiated by other team members.
• Interpersonal and presentation skills to communicate, and represent the SIU, with internal and external sources.
• Comfort operating in a small or scaling team, including contributing to process design and program build-out rather than relying solely on existing infrastructure.
• Investigation Conduct & Leadership: Lead and independently manage end-to-end fraud investigations involving life insurance claims, policy procurement, and distribution channel activity, including multi-jurisdictional or organized fraud schemes.
• Serve as lead case strategist on all of SIU's complex investigations, coordinating cross-functional response among claims, compliance, underwriting, and legal as well as external investigators or vendors.
• Plan and conduct structured interviews of claimants, agents, witnesses, and other relevant parties, including high-stakes or adversarial interviews requiring advanced interviewing strategy.
• Gather, organize, and critically analyze evidence sets including claim records, policy files, medical records, financial statements, public records, and third-party data sources.
• Compile and organize investigative exhibits, evidence packages, and case files suitable for internal review, civil referral, criminal referral, or regulatory submission.
• Draft clear, concise, and well-supported fraud case summaries and investigative reports for SIU leadership, legal counsel, and compliance teams as well as reports to state departments of insurance and national fraud databases within required timeframes.
• Help define investigative standards, case documentation templates, and onboarding practices.
• Regulatory Compliance: Ensure all SIU activities are conducted in accordance with state and federal insurance fraud regulations.
• Lead preparations and submission of mandatory fraud reports to state departments of insurance and national fraud databases (e.g., NICB).
• Maintain documentation for audits and regulatory reviews.
• Monitor and interpret regulatory changes, emerging fraud schemes, and industry trends, translating implications into updated investigative practice for the team.
• Data & Reporting: Apply advanced data mining and analytics techniques to detect emerging fraud patterns and surface new risk indicators.
• Track and report key case metrics including volumes, investigation outcomes, cycle times, and estimated fraud savings.
• Develop and present fraud trend analyses and reporting for senior leadership.
• Partner with internal and external detection/analytics personnel to refine fraud detection models based on casework findings.
• Training & Awareness: Design and deliver fraud awareness training and educational materials for staff, agents, and distribution partners.
• Monitor industry developments and proactively share insights to strengthen fraud prevention efforts.
• Act as a subject-matter resource for less experienced investigators and other departments on fraud indicators and investigative best practice.

Senior Special Investigator

Representative

• Reach out to clients to assist them with scheduling medical exams for their life insurance policies.
• Utilize various systems to identify client requirements needed to gain or upgrade a client’s insurance coverage.
• Troubleshoot customer service phone calls.
• Reply to customer and colleague voicemails and emails in a timely manner.
• Provide professional customer service to clients, carrier representatives, and coworkers.
• Perform task work in a timely manner to ensure the caseload is caught up and clients are contacted regularly.
• Maintain documentation of client interactions and paperwork in an organized manner.
• Maintain call and email quality to ensure excellent customer service standards.

Policy Representative

Account Executive

• In this role, you will work directly with inbound warm leads through our advanced dialing technology to help individuals and families secure life insurance coverage that fits their needs.
• You’ll guide customers through the sales process, overcome objections, build trust quickly, and deliver an efficient purchasing experience while operating in a fast-paced, metrics-driven environment.

Actuarial Analyst, Product

Competitive Intelligence Analyst

Senior Special Investigator

Policy Representative

Licensed Life Insurance Sales Representative