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Life Insurance Claim Adjuster Jobs (NOW HIRING)

REINSURANCE ASSOCIATES INC

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Mechanical Claim Adjuster

Fenton, MO · On-site

$19 - $25/hr

Wise F&I is currently seeking full-time Claim Adjusters to support our VSC claims team and our ... Insurance - paid benefits include Health, AD&D, Life and L/T Disability * Voluntary benefits ...

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Life Insurance Claim Adjuster information

See salary details

$19.5K

$74.7K

$110.5K

How much do life insurance claim adjuster jobs pay per year?

As of Sep 10, 2026, the average yearly pay for life insurance claim adjuster in the United States is $74,680.00, according to ZipRecruiter salary data. Most workers in this role earn between $48,000.00 and $100,000.00 per year, depending on experience, location, and employer.

What does a life insurance claim adjuster do?

A Life Insurance Claim Adjuster is responsible for evaluating and processing claims made on life insurance policies after a policyholder passes away. They review submitted documents, investigate the circumstances of the claim, and verify beneficiaries to ensure the claim is valid. The adjuster communicates with beneficiaries, medical professionals, and legal representatives as needed, and ultimately determines the payout amount in accordance with the policy terms. Their work ensures that claims are handled fairly, efficiently, and in compliance with company and legal guidelines.

What are the key skills and qualifications needed to thrive as a life insurance claim adjuster?

To thrive as a Life Insurance Claim Adjuster, you need strong analytical skills, attention to detail, and a background in insurance or a related field, often supported by a bachelor's degree or relevant certifications. Familiarity with claims management software, policy databases, and regulatory compliance systems is typically required. Excellent communication, negotiation, and empathy are vital soft skills for interacting with claimants during sensitive situations. These skills ensure accurate claim assessments, regulatory compliance, and compassionate customer service during critical times.

What are some common challenges faced by life insurance claim adjusters when evaluating claims?

Life Insurance Claim Adjusters often encounter challenges such as verifying the legitimacy of claims, interpreting complex policy language, and managing sensitive conversations with beneficiaries during emotionally difficult times. They must carefully review documentation, coordinate with medical professionals or legal experts, and ensure compliance with regulatory requirements. Balancing the need for thorough investigation with empathy and timely resolution is essential for success in this role.

What is the difference between Life Insurance Claim Adjuster vs Property Insurance Adjuster?

AspectLife Insurance Claim AdjusterProperty Insurance Adjuster
CredentialsLicenses in insurance claims, sometimes certifications like CPCULicenses in property insurance, certifications like AIC or CPCU
Work EnvironmentOffice settings, remote work, or field visits to policyholders' homesField inspections, adjusting claims on-site after damages
Employer & IndustryInsurance companies, focusing on life policiesInsurance companies, focusing on property and casualty claims

While both roles involve assessing insurance claims, a Life Insurance Claim Adjuster specializes in evaluating life insurance policies after a claim, whereas a Property Insurance Adjuster handles claims related to property damages. The skills, credentials, and work environments overlap but focus on different types of insurance policies.

How much do life insurance claim adjusters make?

Life insurance claim adjusters typically earn a median annual salary of around $60,000 to $70,000, with experienced professionals and those in higher-paying regions earning over $80,000. Salaries can vary based on experience, location, and the complexity of claims handled, and many adjusters work full-time with opportunities for overtime.

Is it worth becoming a life insurance claim adjuster?

A life insurance claim adjuster evaluates claims to determine payout validity, requiring skills in investigation, communication, and knowledge of insurance policies. The role offers steady employment, potential for advancement, and typically requires licensing or certification, with work often performed in an office or remote setting. Whether it is worth pursuing depends on personal interest in insurance and claims processing, as well as job market demand in the area.
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Infographic showing various Life Insurance Claim Adjuster job openings in the United States as of September 2026, with employment types broken down into 1% As Needed, 73% Full Time, 21% Part Time, and 5% Contract. Highlights an 89% Physical, 1% Hybrid, and 10% Remote job distribution, with an average salary of $74,680 per year, or $35.9 per hour.

Senior Liability Claim Adjuster

Glen Allen, VA • Hybrid

FCCI Insurance Group
Insurance Services • 501 - 1,000 employees
Learn more about FCCI Insurance Groupexternal

$75K - $116K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 7 days ago

Job description

At FCCI, we focus on creating connections and building lasting relationships. Our people truly make the difference. Are you a dedicated team player who thrives in a diverse, innovative and upbeat culture? Do you have strong team working skills, possess technical excellence, have a desire for continuous learning and have compassion and respect for others? If so, FCCI Insurance Group is the company for you!

Currently seeking an experienced Senior Liability Claim Adjuster to investigate and adjust assigned commercial claims of moderate complexity to include litigation. The adjuster will determine liability, secure information, review coverages, and settle claims. 

What you will do: 

  • Investigate assigned complex GL &  Auto claims including initial investigation, evaluating coverage, negotiating settlements and setting reserves within authority limits, time standards and company best practices. 
  • Implement FCCI Claims Philosophy and processes and documents all file activity including but not limited to phone calls, attorney contact, medical providers, etc. Documents a plan of action, strategy and future exposure.  Set and maintain an appropriate diary schedule as specified in our claims company guidelines.
  • Attend mediations for those cases within authority and any other duties related to the effective handling of claims.  Implement strategies to expeditiously close files and manages claims to a conclusion in the most effective manner possible.
  • Work with and may coordinate the work of independent adjusters and miscellaneous vendors in an attempt to handle claims effectively and contain expenses.
  • Recognize exposures and apply company reserving philosophy.  Discuss exposures with manager that exceed authority and supports escalation if appropriate.

Investigations include applicable field work such as meetings, inspections, assessing damages and documenting physical evidence.

This is a hybrid role in our Sarasota or  Lake Mary, FL office, Lawrenceville, GA office , Glen Allen (Richmond), VA office or field-based position within FCCI territory, (FL, GA, or VA). 

In exchange for your talents, FCCI offers competitive salaries and an excellent benefits package which includes:

  • Flexible Work Environment
  • Paid Family Leave
  • Competitive PTO & Holidays
  • Recognition & Bonus Programs
  • Medical, Vision, Dental & Life Insurance
  • Employee Referral Bonus
  • Paid Volunteer Time
  • 401(k) Match & Profit-Sharing

The salary range for this position is $75,529-$116,314 annually. This salary range is an estimate and the actual salary will vary based on applicant’s education, experience, knowledge, skills, and abilities. 

We are an Equal Employment Opportunity employer. Applicants and employees are considered for positions and are evaluated without regard to mental or physical disability, race, color, religion, gender, national origin, age, genetic information, military or veteran status, sexual orientation, marital status or any other protected Federal, State/Province or Local status unrelated to the performance of the work involved.

Please apply via our website at www.fcci-group.com. 

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