Pricing Actuary Jobs for OPT Students
Pricing Actuary roles are among the most OPT-compatible positions in insurance and financial services. Employers actively sponsor F-1 students with actuarial exam progress, and STEM OPT extensions apply broadly across this field, giving you up to three years of work authorization to build your credentials.
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Get Access To All JobsINTRODUCTION
Kin is redesigning insurance to be smarter, faster, and centered on the customer. We use intelligent pricing, offer seamless bundling, and make every step (from purchasing, servicing to claims) simple and friction-free, especially in the places traditional insurers often ignore. We empower people to protect what matters most, starting with their homes and expanding to all they value, in a world where climate risks, rising costs, and outdated systems leave too many behind. Our approach has fostered amazing growth, attracted marquee investors, and earned us accolades, including being named to Built In Chicago's Best Places to Work, Midsize Companies (2021-2025), Forbes' America's Best Startup Employers (2021-2024, Ranked #37 in 2024), Inc. 5000 Fastest-Growing Private Companies, and Forbes’ Fintech 50. Simply put, our people are what make us great – we need forward-thinking, inspired game-changers like you to join us in our mission.
ROLE
The Senior Pricing Actuary is a highly technical individual contributor responsible for maintaining and enhancing Kin’s actuarial pricing analyses. Reporting to the Director, Actuarial Pricing, this role plays a critical part in ensuring efficiency in actuarial practice, rate adequacy, pricing segmentation, and analytical rigor across our homeowners insurance products. This role is ideal for an innovative, curious, and technical actuary who thrives in the details: automating processes, reviewing indications, refining rating variables, integrating catastrophe modeling and reinsurance impacts into ratemaking. You will work closely with actuarial leadership, insurance product, and technology teams to turn complex analyses into actionable insights.
Your Responsibilities
- Using Generative AI tools and your technical acumen to build tools to automate existing processes and develop new tools to drive efficiency gains and improve analytical insights
- Performing actuarial pricing analyses, including statewide and segmented indications for homeowners insurance products
- Developing and enhancing pricing methodologies, incorporating loss trends, expense assumptions, reinsurance costs, catastrophe modeling outputs
- Working closely with actuarial leadership to reconcile actuarial indications with financial results and business objectives
- Preparing actuarial support for rate filings, including exhibits, documentation, and responses to regulatory questions
- Partnering with the insurance product team to support rate changes, pricing reviews, and state expansion efforts
- Collaborating with insurance product management partners on class plan builds for state expansion projects
- Pulling and cleaning data for CAT modeling, running CAT models and analyzing their output
- Collaborating with technology and data teams to improve data quality, automate analyses, and modernize pricing workflows
- Staying current on internal and external factors impacting pricing, including regulatory developments, market trends, catastrophe activity, and changes in corporate structure
Success in this role
In your first 6–12 months at Kin, success is less about checking boxes and more about the impact you create. You’ll use your skills and judgment to take ownership of meaningful work, improve how we operate, and help move Kin’s mission forward. Along the way, you’ll deliver outcomes that make a real difference for both Kinfolk and the homeowners we serve. By the end of your first year, you should feel confident in your role, trusted as an owner, and proud of the progress you’ve helped make.
- Become a trusted resource for actuarial expertise across the organization.
- Create new actuarial tools that improve efficiency by automating existing processes and/or providing new decision-making insights.
- Ensure all actuarial tools and pipelines are well-documented, reliable, and run on time.
WHAT YOU’LL BRING
- FCAS or Career ACAS
- 5+ years of actuarial experience in personal lines pricing
- Strong technical skills and expertise, including demonstrable experience with SQL and Python (preferred)/R
- Strong experience with actuarial pricing techniques, including indications, trend analysis, and risk segmentation
- Demonstrated ability to perform independent, technically rigorous actuarial analyses
- Proficiency in Excel
- Excitement to learn about and leverage Gen AI tools to improve actuarial processes and practices
BONUS POINTS
- Direct experience with Florida, Texas, and/or California residential property insurance
- Experience supporting rate filings and interacting with regulators or responding to DOI inquiries
- Experience working with large datasets and modern analytics workflows
- Experience with predictive modeling, especially loss cost modeling
- Experience in an insurtech or high-growth environment
- Hands-on experience with Git/GitHub in a team environment
- Experience with Generative AI tool usage
HOW WE HIRE
We believe a great hiring experience should be clear, respectful, and human. We’ll accept applications for this position until April 20th, 2026. While our recruiting team uses AI tools for efficiency, resumes are still screened by Kin’s in-house recruiters, and candidate evaluations and hiring decisions are made by recruiters and hiring teams. Rest assured, real people make real decisions.
The hiring process and timeline for each role will vary, depending on the position. However, here are some things you can expect from us:
- Prompt updates and feedback following interviews
- Interviews with recruiters, hiring managers, and members of teams
- Skills assessment relevant to the position, if applicable
- Genuine, thoughtful human interaction at every step
HOW WE SUPPORT YOU
We offer a comprehensive, competitive benefits program, allowing you to choose the benefits that are best for you and your family, starting on the first day of the month following your start date.
Core Benefits That Support You
- Competitive salary and company equity through Restricted Stock Units (RSUs), granted as part of our standard compensation package and based on role and level
- 401(k) with company match up to 4% of eligible earnings
- Multiple medical plan options, plus dental and vision coverage
- Company-funded HSA contributions (based on medical plan selection)
- Company-paid life insurance and short-term disability
Health & Wellbeing
- A variety of supplemental benefit options, including long-term disability, critical illness, accident, legal, and pet insurance
- Access to mental health support and confidential counseling resources
- Flexible PTO for exempt employees (most employees take 15–20 days per year), plus 8 company-observed holidays
- Paid parental leave, including up to 14 weeks at 100% pay for birthing parents and 8 weeks at 100% pay for non-birthing parents
Growth & Development
- Career mobility and internal growth opportunities across the organization
- Professional development budgets for certifications, conferences, and learning available, subject to management approval
For Sales Agents and Customer Service Agents: These roles sit in any of the following 30 states: AL, AZ, CO, FL, ID, IL, IN, KS, KY, MA, MD, ME, MI, MO, MT, NC, NE, NM, NV, NY, OH, OK, PA, SC, TN, TX, UT, VT, VA, WA, and WI.
For remote technical positions located in Canada, we are only able to hire individuals who reside in Ontario. Applicants must be able to live and work full-time in Ontario to be considered.
For all other positions, these roles can sit in any of the following 40 states: AL, AR, AZ, CA (exempt only), CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, MA, ME, MD, MI, MN, MO, MT, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, and WI. Please only apply if you are able to live and work full-time in one of the states listed above.
State locations and specifics are subject to change as our hiring requirements shift.
ABOUT KIN
Kin is the only pure-play, direct-to-consumer digital insurer focused on the growing home insurance market. We make policies convenient and affordable through a technology platform that delivers a seamless user experience, customized options for coverage, and fast, high-quality claims service. Kin is a fully licensed carrier that offers coverage through its reciprocal exchanges which are owned by its policyholders.
EEOC STATEMENT
Kin is proud to be an Equal Employment Opportunity and Affirmative Action Employer. We don't just accept difference – we honor it, nurture it, and celebrate it. We don’t discriminate based on race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics. Kin welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process. If you require accommodation, please contact us by sending an email to careers@kin.com.
INTRODUCTION
Kin is redesigning insurance to be smarter, faster, and centered on the customer. We use intelligent pricing, offer seamless bundling, and make every step (from purchasing, servicing to claims) simple and friction-free, especially in the places traditional insurers often ignore. We empower people to protect what matters most, starting with their homes and expanding to all they value, in a world where climate risks, rising costs, and outdated systems leave too many behind. Our approach has fostered amazing growth, attracted marquee investors, and earned us accolades, including being named to Built In Chicago's Best Places to Work, Midsize Companies (2021-2025), Forbes' America's Best Startup Employers (2021-2024, Ranked #37 in 2024), Inc. 5000 Fastest-Growing Private Companies, and Forbes’ Fintech 50. Simply put, our people are what make us great – we need forward-thinking, inspired game-changers like you to join us in our mission.
ROLE
The Senior Pricing Actuary is a highly technical individual contributor responsible for maintaining and enhancing Kin’s actuarial pricing analyses. Reporting to the Director, Actuarial Pricing, this role plays a critical part in ensuring efficiency in actuarial practice, rate adequacy, pricing segmentation, and analytical rigor across our homeowners insurance products. This role is ideal for an innovative, curious, and technical actuary who thrives in the details: automating processes, reviewing indications, refining rating variables, integrating catastrophe modeling and reinsurance impacts into ratemaking. You will work closely with actuarial leadership, insurance product, and technology teams to turn complex analyses into actionable insights.
Your Responsibilities
- Using Generative AI tools and your technical acumen to build tools to automate existing processes and develop new tools to drive efficiency gains and improve analytical insights
- Performing actuarial pricing analyses, including statewide and segmented indications for homeowners insurance products
- Developing and enhancing pricing methodologies, incorporating loss trends, expense assumptions, reinsurance costs, catastrophe modeling outputs
- Working closely with actuarial leadership to reconcile actuarial indications with financial results and business objectives
- Preparing actuarial support for rate filings, including exhibits, documentation, and responses to regulatory questions
- Partnering with the insurance product team to support rate changes, pricing reviews, and state expansion efforts
- Collaborating with insurance product management partners on class plan builds for state expansion projects
- Pulling and cleaning data for CAT modeling, running CAT models and analyzing their output
- Collaborating with technology and data teams to improve data quality, automate analyses, and modernize pricing workflows
- Staying current on internal and external factors impacting pricing, including regulatory developments, market trends, catastrophe activity, and changes in corporate structure
Success in this role
In your first 6–12 months at Kin, success is less about checking boxes and more about the impact you create. You’ll use your skills and judgment to take ownership of meaningful work, improve how we operate, and help move Kin’s mission forward. Along the way, you’ll deliver outcomes that make a real difference for both Kinfolk and the homeowners we serve. By the end of your first year, you should feel confident in your role, trusted as an owner, and proud of the progress you’ve helped make.
- Become a trusted resource for actuarial expertise across the organization.
- Create new actuarial tools that improve efficiency by automating existing processes and/or providing new decision-making insights.
- Ensure all actuarial tools and pipelines are well-documented, reliable, and run on time.
WHAT YOU’LL BRING
- FCAS or Career ACAS
- 5+ years of actuarial experience in personal lines pricing
- Strong technical skills and expertise, including demonstrable experience with SQL and Python (preferred)/R
- Strong experience with actuarial pricing techniques, including indications, trend analysis, and risk segmentation
- Demonstrated ability to perform independent, technically rigorous actuarial analyses
- Proficiency in Excel
- Excitement to learn about and leverage Gen AI tools to improve actuarial processes and practices
BONUS POINTS
- Direct experience with Florida, Texas, and/or California residential property insurance
- Experience supporting rate filings and interacting with regulators or responding to DOI inquiries
- Experience working with large datasets and modern analytics workflows
- Experience with predictive modeling, especially loss cost modeling
- Experience in an insurtech or high-growth environment
- Hands-on experience with Git/GitHub in a team environment
- Experience with Generative AI tool usage
HOW WE HIRE
We believe a great hiring experience should be clear, respectful, and human. We’ll accept applications for this position until April 20th, 2026. While our recruiting team uses AI tools for efficiency, resumes are still screened by Kin’s in-house recruiters, and candidate evaluations and hiring decisions are made by recruiters and hiring teams. Rest assured, real people make real decisions.
The hiring process and timeline for each role will vary, depending on the position. However, here are some things you can expect from us:
- Prompt updates and feedback following interviews
- Interviews with recruiters, hiring managers, and members of teams
- Skills assessment relevant to the position, if applicable
- Genuine, thoughtful human interaction at every step
HOW WE SUPPORT YOU
We offer a comprehensive, competitive benefits program, allowing you to choose the benefits that are best for you and your family, starting on the first day of the month following your start date.
Core Benefits That Support You
- Competitive salary and company equity through Restricted Stock Units (RSUs), granted as part of our standard compensation package and based on role and level
- 401(k) with company match up to 4% of eligible earnings
- Multiple medical plan options, plus dental and vision coverage
- Company-funded HSA contributions (based on medical plan selection)
- Company-paid life insurance and short-term disability
Health & Wellbeing
- A variety of supplemental benefit options, including long-term disability, critical illness, accident, legal, and pet insurance
- Access to mental health support and confidential counseling resources
- Flexible PTO for exempt employees (most employees take 15–20 days per year), plus 8 company-observed holidays
- Paid parental leave, including up to 14 weeks at 100% pay for birthing parents and 8 weeks at 100% pay for non-birthing parents
Growth & Development
- Career mobility and internal growth opportunities across the organization
- Professional development budgets for certifications, conferences, and learning available, subject to management approval
For Sales Agents and Customer Service Agents: These roles sit in any of the following 30 states: AL, AZ, CO, FL, ID, IL, IN, KS, KY, MA, MD, ME, MI, MO, MT, NC, NE, NM, NV, NY, OH, OK, PA, SC, TN, TX, UT, VT, VA, WA, and WI.
For remote technical positions located in Canada, we are only able to hire individuals who reside in Ontario. Applicants must be able to live and work full-time in Ontario to be considered.
For all other positions, these roles can sit in any of the following 40 states: AL, AR, AZ, CA (exempt only), CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, MA, ME, MD, MI, MN, MO, MT, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, and WI. Please only apply if you are able to live and work full-time in one of the states listed above.
State locations and specifics are subject to change as our hiring requirements shift.
ABOUT KIN
Kin is the only pure-play, direct-to-consumer digital insurer focused on the growing home insurance market. We make policies convenient and affordable through a technology platform that delivers a seamless user experience, customized options for coverage, and fast, high-quality claims service. Kin is a fully licensed carrier that offers coverage through its reciprocal exchanges which are owned by its policyholders.
EEOC STATEMENT
Kin is proud to be an Equal Employment Opportunity and Affirmative Action Employer. We don't just accept difference – we honor it, nurture it, and celebrate it. We don’t discriminate based on race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics. Kin welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process. If you require accommodation, please contact us by sending an email to careers@kin.com.
How to Get Visa Sponsorship as a Pricing Actuary
Lead with your actuarial exam progress
Employers evaluate candidates partly by exam trajectory. List every passed exam prominently on your resume. Even two or three passed exams signal commitment and reduce perceived hiring risk, making OPT sponsorship an easier conversation for the hiring team.
Target STEM OPT-eligible roles explicitly
Pricing Actuary positions at insurance carriers and consulting firms almost universally qualify for the STEM OPT extension. Confirm your degree's CIP code qualifies before applying, and mention your 36-month authorization window directly in cover letters to reassure employers.
Focus on insurance carriers and reinsurers first
Large carriers like AIG, Travelers, and Munich Re have structured actuarial development programs with established OPT sponsorship pipelines. These employers process F-1 work authorization routinely and are less likely to withdraw offers due to visa unfamiliarity.
Highlight quantitative tools on your application
Pricing Actuaries are expected to work in R, Python, SAS, or SQL. Demonstrating proficiency in at least two of these tools reassures employers that onboarding will be efficient, which matters when they are weighing the administrative effort of sponsoring an OPT student.
Apply to actuarial rotational programs during your final year
Many insurers run two-year actuarial rotational programs that are designed around OPT timelines. These programs offer built-in mentorship, structured exam support, and a clear path to H-1B sponsorship before your initial OPT authorization expires.
Pricing Actuary jobs are hiring across the US. Find yours.
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Get Access To All JobsFrequently Asked Questions
Do Pricing Actuary roles qualify for the STEM OPT extension?
Yes. Pricing Actuary positions almost always qualify for the 24-month STEM OPT extension, giving you up to 36 months of total work authorization. Most actuarial degree programs in mathematics, statistics, and actuarial science carry STEM-designated CIP codes. Confirm your specific degree qualifies with your Designated School Official before accepting an offer, since eligibility depends on the degree, not the job title.
How much actuarial exam progress do employers expect from OPT candidates?
Most entry-level Pricing Actuary roles require at least two passed CAS or SOA preliminary exams, and competitive candidates typically have three or more. Employers factor exam progress into OPT sponsorship decisions because it signals long-term commitment. Candidates who have passed Exam P, FM, and one additional exam are generally competitive for junior pricing roles at insurance carriers and consulting firms.
Which types of employers are most likely to sponsor Pricing Actuaries on OPT?
Property and casualty insurance carriers, life and health insurers, reinsurance companies, and actuarial consulting firms are the most consistent OPT sponsors in this field. Large carriers have HR teams familiar with F-1 work authorization and often have structured actuarial development programs. Smaller regional insurers may sponsor but require more direct conversation about your OPT timeline and STEM extension eligibility early in the process. You can browse Pricing Actuary roles from verified sponsoring employers on Migrate Mate.
Can I switch employers during my OPT period as a Pricing Actuary?
Yes, but you must report the change to your Designated School Official within ten days and ensure your new role remains in a field directly related to your degree. For Pricing Actuaries, roles in insurance pricing, ratemaking, reserving, or loss modeling typically satisfy this requirement. Gaps in employment exceeding 90 cumulative days during your OPT period can jeopardize your status, so plan transitions carefully.
What is the typical path from OPT to H-1B sponsorship for a Pricing Actuary?
Most Pricing Actuaries on STEM OPT have a 36-month window, which covers two full H-1B lottery cycles. Employers typically file an H-1B registration in March of your second or third year on OPT. Reaching Associateship in the CAS or SOA before your OPT expires significantly strengthens your sponsorship case. Employers are more motivated to invest in H-1B sponsorship for candidates who demonstrate clear professional progression within the actuarial credential pathway.
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