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Life Insurance Claims Adjuster Jobs (NOW HIRING)

Loyalty MGA

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Insurance Claims Adjuster

Doral, FL · On-site

$45K - $65K/yr

... Adjuster to oversee complex claims, provide expert analysis, and serve as a mentor within the ... We help families and businesses find the right coverage -- auto, home, life, and commercial -- and ...

Loyalty MGA

Be Seen First

Insurance Claims Adjuster

Doral, FL · On-site

$45K - $65K/yr

... Adjuster to oversee complex claims, provide expert analysis, and serve as a mentor within the ... We help families and businesses find the right coverage -- auto, home, life, and commercial -- and ...

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Life Insurance Claims Adjuster information

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$34K

$72.1K

$118.5K

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

As of Jun 17, 2026, the average yearly pay for life insurance claims adjuster in the United States is $72,103.00, according to ZipRecruiter salary data. Most workers in this role earn between $50,000.00 and $89,000.00 per year, depending on experience, location, and employer.

What does a Life Insurance Claims Adjuster do?

A Life Insurance Claims Adjuster is responsible for reviewing and evaluating life insurance claims to determine their validity and ensure that policy terms are met. They investigate claims by gathering necessary documentation, such as death certificates and medical reports, and may interview beneficiaries or other relevant parties. The adjuster works to ensure that the payout process is accurate and efficient, handling any disputes or issues that arise. Their goal is to process claims fairly while preventing fraud and ensuring compliance with insurance policies.

What are the key skills and qualifications needed to thrive as a Life Insurance Claims Adjuster, and why are they important?

To thrive as a Life Insurance Claims Adjuster, you need strong analytical skills, attention to detail, and a solid understanding of insurance policies and regulations, typically backed by a bachelor's degree or relevant experience. Familiarity with claims management software, document management systems, and possibly certification such as Associate in Claims (AIC) is often required. Excellent communication, negotiation, and empathy are important soft skills for interacting with claimants and resolving sensitive situations. These skills ensure accurate claims evaluation, efficient processing, and a positive customer experience during what is often a difficult time for clients.

Was life based on a true story?

Life Insurance Claims Adjusters evaluate claims based on real policies and documented events; their work involves verifying facts and assessing evidence. The job requires attention to detail, knowledge of insurance policies, and often the use of claims management software. The role is grounded in real-world information rather than fictional stories.

What are the 7 rules of life?

As a Life Insurance Claims Adjuster, understanding fundamental principles can help in decision-making and client interactions. While there are no universal '7 rules of life,' common guidelines include being honest, responsible, adaptable, empathetic, disciplined, proactive, and continuous learner, which support professional integrity and effective claims handling.

What do we mean by life?

In the context of a life insurance claims adjuster, 'life' refers to a person's existence or lifespan. The role involves evaluating claims related to life insurance policies when a policyholder passes away, requiring understanding of life events and policy details to determine claim validity.

Will there be life Part 2?

As a Life Insurance Claims Adjuster, there is no concept of a 'Part 2' related to the job. The role involves evaluating claims, investigating policy details, and processing payouts. Career progression may include promotions or specialized training, but there is no formal 'Part 2' stage specific to this position.

What are the most common challenges faced by Life Insurance Claims Adjusters, and how can they be managed?

Life Insurance Claims Adjusters often encounter challenges such as handling sensitive conversations with beneficiaries, interpreting complex policy language, and managing large caseloads efficiently. To manage these, strong communication skills and empathy are essential when interacting with claimants. Familiarity with insurance regulations and attention to detail help in accurately assessing claims, while effective organizational skills aid in balancing multiple cases and meeting deadlines. Continuous learning and collaboration with legal, medical, and underwriting teams also support success in this role.

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

AspectLife Insurance Claims AdjusterProperty Claims Adjuster
Required CredentialsLicenses in insurance, sometimes certifications like CPCULicenses in property insurance, certifications like AIC
Work EnvironmentOffice settings, remote work, client interviewsOn-site inspections, fieldwork at property locations
Employer & Industry UsageInsurance companies, health and life insurersProperty and casualty insurers, adjusting firms
Common Search & ComparisonOften compared for claims handling roles in insuranceRelated but focuses on property damage claims

Life Insurance Claims Adjusters primarily handle claims related to life insurance policies, assessing death benefits and policy validity. Property Claims Adjusters evaluate property damage claims, inspecting physical damages and estimating repair costs. While both roles involve claims assessment and require insurance licenses, they differ in work environment and specialization. Understanding these differences helps job seekers find the right career path in the insurance industry.

More about Life Insurance Claims Adjuster jobs
What cities are hiring for Life Insurance Claims Adjuster jobs? Cities with the most Life Insurance Claims Adjuster job openings:
What states have the most Life Insurance Claims Adjuster jobs? States with the most job openings for Life Insurance Claims Adjuster jobs include:
What job categories do people searching Life Insurance Claims Adjuster jobs look for? The top searched job categories for Life Insurance Claims Adjuster jobs are:
Life Insurance Claims Adjuster jobs near you
Infographic showing various Life Insurance Claims Adjuster job openings in the United States as of June 2026, with employment types broken down into 1% As Needed, 78% Full Time, and 21% Part Time. Highlights an 63% Physical, 12% Hybrid, and 25% Remote job distribution, with an average salary of $72,103 per year, or $34.7 per hour.
Insurance Claims Adjuster

Insurance Claims Adjuster

Loyalty MGA

Doral, FL • On-site

$45K - $65K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 18 days ago

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Job description

Position Overview
Loyalty MGA is seeking a highly skilled and experienced PIP, PD, BI and Metal Adjuster to oversee complex claims, provide expert analysis, and serve as a mentor within the claims department. This role requires strong technical knowledge, sound judgment, and exceptional communication skills to ensure accurate claim resolutions while maintaining high standards of compliance and client service.

Key Responsibilities:

· Manage complex, high value, disputed, and escalated metal claims with accuracy and professionalism.

· Conduct comprehensive claim investigations, including document review, stakeholder interviews, and evidence analysis.

· Evaluate damages and determine appropriate settlements in accordance with policy coverage, state regulations, and company guidelines.

· Serve as a subject matter expert and mentor to junior adjusters, offering coaching, training, and guidance.

· Negotiate settlements with claimants, attorneys, vendors, and third parties when required.

· Prepare detailed reports and present claim findings to management.

· Remain informed on industry trends, regulatory changes, and best practices to ensure claims are processed efficiently and accurately.

· Collaborate with appraisers, legal counsel, and third-party vendors to support timely claims resolution.

· Identify potential fraud indicators and escalate cases when appropriate.

· Ensure all claims are handled in full compliance with state laws, internal policies, and departmental standards.

Qualifications:

  • High School Diploma or GED required.
  • Minimum 6 months of claims handling or intake experience.
  • Active 6-20 All-Lines Adjuster License required (or ability to obtain and maintain immediately upon hire).
  • Bilingual proficiency in English and Spanish is required.
  • Strong customer service, communication, and negotiation skills.
  • Proficiency in Microsoft Office and basic computer applications.

Company Description

We are a fast-growing, bilingual insurance agency in Forida and Texas. We help families and businesses find the right
coverage — auto, home, life, and commercial — and we are looking for motivated bilingual professionals to join our
team.