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Bestow is a vertical technology platform serving major life insurers, unifying legacy value chains and enabling carriers to launch products in weeks instead of years through AI and automation. As Product Actuary for Life & Annuity, you'll be the go-to subject-matter expert on actuarial and calculation logic for the team building illustration and policy administration capabilities from scratch.
You'll translate complex life insurance and annuity product specifications into implementable system logic, working directly with Engineering teams. This includes crediting mechanisms, rider mechanics, benefit base calculations, surrender charge schedules, and other product features. You'll use AI tools to rapidly prototype, code, and test calculation logic, supporting both new business product implementations and policy migrations of legacy in-force blocks.
Key responsibilities include validating that system behavior accurately reflects product intent, pressure-testing actuarial specs against implementation, supporting User Acceptance Testing, producing clear documentation of calculation methodologies and business rules, and partnering with carrier and vendor teams during product onboarding.
You'll need 8+ years of life insurance industry experience with 3-5 years of hands-on experience building pricing models or implementing illustration and policy administration systems at a carrier, vendor, or insurtech. Deep product knowledge of IUL, VUL, FIA, and complex riders is essential, along with understanding how actuarial calculations function in policy admin workflows. ASA/FSA credentials are strongly preferred. Experience with agentic coding tools, policy migrations, and legacy block conversions is a plus. Strong written communication skills and comfort building processes in a fast-moving environment are required.
