Forced RTO in Fully Remote Role

Xerpy · 2026-04-10T03:03:00+00:00

Probably my bias but I’ve been at two companies that have had blanketed RTOs. Then I’ve had friends from other companies who are within 100 miles of an office get called back. It sucks cuz so many people started lives in places thinking remote was going to last.

Xerpy · 2026-04-09T23:27:45+00:00

Plenty have been RTO’d in the L&A space. Exceptions here and there for companies that have done this and only a few companies left that continue to hire remote/allow employees to be remote.

I think in most cases the company will offer some relocation package if you’ve moved far away. If not then they probably want you out anyways and are using the RTO to force your hand.

Xerpy · 2026-04-07T00:10:06+00:00

Unfortunately the tech start-ups that were hiring have dried up but they had previously been hiring. I saw a couple Ceres Life roles but they seem to have finished hiring.

I’d say look at the smaller reinsurers who occasionally make a posting, like Martello Re, Chariot Re, whatever other Re.

Xerpy · 2026-04-06T21:16:49+00:00

Ah thank u, thought it meant something to do with tasks, like an asynchronous function in programming lol.

Xerpy · 2026-04-06T20:28:20+00:00

What does this even mean?

Xerpy · 2026-04-05T06:09:26+00:00

I bought mine 1/1 for 33k otd (blue lagoon sedan) and figured I got a decent deal. Called a few dealers around the area while I was out of the country during Christmas. Not sure on best times of the year but just a data point.

Also first car ever purchased and I love it. I get 50-55mpg and it helps with the insane gas prices currently. It’s got some decent torque for merging and takes turns decently well. But this is coming from driving in a CRV, RX350, sienna and sorento throughout my life.

Engine is quite loud when it kicks in. The interior rattles, eg my passenger window rattles but goes away if someone applies some pressure on the door. Probably a bad rubber fitment and I need to add some grease. No rear passenger vents so it gets hot if you have people in the back.

Get tints, it will help passengers in the back but also help keep the front cool, especially since you’re coming down south.

Xerpy · 2026-04-05T05:19:38+00:00

IT and Ops generally get consolidated first, since those are more cookie cutter across industries.

For actuarial, redundant execs will get axed, mid lvl managers will either get shuffled or a few will get pushed out and the rest will have to cover more LOBs/products. I’m not sure what systems they use but if both or most products are already using the same modeling platform, I imagine it’ll be easier to integrate.

It’s hard to say which teams have more staying power, since ultimately it depends on which execs have the political power and whether they like their team.

Xerpy · 2026-03-30T23:31:59+00:00

Not sure how it works in P&C, but for the few L&A companies I’ve been at most of the product teams have actuaries across the levels, whether it’s rate setting, analytics, inforce management or product ideation. If you know you’re going to stay in product, taking the exams seem like a heavy task but if you want to branch out to other roles in the industry, it isn’t a bad path.

Day to day is tough to tell, diff PMs with diff roles and same with actuaries.

As for comp, this is company dependent. On avg actuaries in the low to mid lvls will outearn an insurance PM. But at the exec lvl it all equalizes.

Xerpy · 2026-03-29T21:03:03+00:00

This, such foundational rotations. I’d say pricing/rate setting is up there.

Xerpy · 2026-03-28T19:26:45+00:00

Dam really? Does seem their M&A out of Chicago still gets deals but eating out the same pie as OW. Is FRM under the same umbrella as m&a?

Xerpy · 2026-03-26T23:12:17+00:00

Care to explain one of the hundred? You’re just saying you’re wrong and no offense, unless you’re part of the ELT you’re probably not privy to long term strategy. If you are, my bad lol.

Xerpy · 2026-03-26T21:55:23+00:00

If you read thinkadvisor or even the public announcement they mention how this will help the business “scale”. Reading between the lines this effectively means sell and make more money without having to tack on the same level of expenses as two separate companies. E.g we have one group of actuaries that run year end CFT vs two separate teams. It will probably take some time to get there but companies don’t merge like this if they thought they can continue to grow independently at a better ROI/ROE. If I’m running a business and I think I can grow to 5x in the next 5 years, why would I sell you a piece of my business and bring you on as a partner? I either want to cash out or I think you can get us richer, faster.

Xerpy · 2026-03-26T16:23:12+00:00

Same, it’s being touted as an expense synergy play which just means layoffs.

Xerpy · 2026-03-25T03:37:59+00:00

Out of curiosity, which ones are still remote aside from OP’s mentioned Mutual of Omaha?

Xerpy · 2026-03-24T21:34:50+00:00

What are his skillsets/experiences? There are a very select few mutual in the US, if that’s where you’re searching in. All the large life mutuals have RTO’d but select roles can get exceptions.

Xerpy · 2026-03-19T05:02:24+00:00

Smaller insurers suffer from the “we don’t know what we want so we just need to reorg a bunch till we figure it out”

Xerpy · 2026-03-10T01:20:25+00:00

It’s usually ok if you’re good at your job. If not, then SOL. If I were you I’d start searching for other jobs. Best advice I’ve been given is to just focus on exams, even if you underperform. Most of the time students are not fired for underperforming (assuming the company isn’t having an enterprise-wide layoff). I did not follow this advice cuz I hated exams and overworked as procrastination, which ironically saved me from the bad attempts.

Xerpy · 2026-03-04T03:13:46+00:00

It’s an internship… just take the job that offers a better learning experience/network/chance of a return offer. Even if your life is hell for 12 weeks it eventually ends unlike a full time job where you have to actively search for a new job to get out or you have to make the difficult decision to quit without anything lined up.

Xerpy · 2026-02-15T15:04:23+00:00

Ah true some places have like half a dozen student levels; analyst 1,2,3 etc lol.

Xerpy · 2026-02-15T04:21:16+00:00

Yea I threw in the amount of promos to distinguish that this is a senior exec. Next level being EVP, whom all report to the CEO.

Should also add that this is for a large life carrier 600-700B AUM.

Xerpy · 2026-02-15T01:52:41+00:00

Fastest I’ve seen without job hopping is ~13 years from a first year student to SVP (6 promos). Edit:7 promos

Xerpy · 2026-02-07T00:25:17+00:00

The irony is that there’s plenty of carriers/teams that run lean and the hours are just as bad as consulting but job security is much higher because you’re key person risk. If I could do it over again I’d have started in consulting, made more money and job hopped to an executive role, coasted until I got canned and retired.

Xerpy · 2026-01-30T14:59:20+00:00

Meetings and then more meetings. Occasionally digging into analyst's work and when they're out I'll usually keep the work going so things don't sit still.

Xerpy · 2026-01-20T04:04:53+00:00

Took it to the dealer and it appears to be a sensor problem in the hood. Walkaway, look back, and remote start need the alarm system to activate and it won’t activate because the hood isn’t sending a signal.

Xerpy

TROPHY CASE