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Life Insurance Examiner Jobs (NOW HIRING)

Addison Group

Life Claims Examiner

Mckinney, TX · Remote

$20 - $23/hr

Insurance / Financial Services Benefits: This position is eligible for medical, dental, vision, and 401(k). Addison Group is partnering with our client to hire a detail-oriented Life Claims Examiner ...

Trustmark

Life Insurance Claims Consultant

$62K - $90K/yr

Health/dental/vision, life insurance, FSA and HSA, 401(k) plan, Employee Assistant Program, Back-up Care for Children, Adults and Elders and many health and wellness initiatives. We also offer a ...

Dexian

Life Benefits Examiner

Portland, OR · On-site

Life Benefits Examiner Duration: 12 months Location: 100% remote Job Summary: (briefly describe ... Investigate, secure and analyze information pertaining to insured's eligibility for life benefits ...

RSM Global

Financial Examiner

Financial Examiner Risk & Regulatory Consulting, LLC (Regulatory Insurance) Work from home-any US ... We offer flexibility in your schedule, empowering you to balance life's demands, while also ...

RSM Global

Financial Examiner

Perform reviews of examination work papers and evaluate insurance company operations. * Ensure the ... We offer flexibility in your schedule, empowering you to balance life's demands, while also ...

State of North Dakota

Licensing Examiner

Bismarck, ND · On-site

$5.3K - $5.6K/mo

About Team ND "Far and away the best prize life offers is the chance to work hard at work worth doing." - Theodore Roosevelt More than 7,500 talented, hard-working people across sixty-three agencies ...

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Life Insurance Examiner information

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$93.5K

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How much do life insurance examiner jobs pay per year?

As of Jul 4, 2026, the average yearly pay for life insurance examiner in the United States is $93,488.00, according to ZipRecruiter salary data. Most workers in this role earn between $98,500.00 and $98,500.00 per year, depending on experience, location, and employer.

What are Life Insurance Examiners?

Life Insurance Examiners are professionals who evaluate the health and medical history of individuals applying for life insurance policies. Their primary role is to conduct interviews, review medical records, and sometimes perform basic health assessments such as measuring blood pressure or collecting blood and urine samples. The information they gather helps insurance companies assess the risk of insuring an applicant and determine policy eligibility and premium rates. Life Insurance Examiners play a crucial part in ensuring that insurance decisions are fair and based on accurate health information.

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

To thrive as a Life Insurance Examiner, you need a solid understanding of medical terminology, anatomy, and life insurance principles, often supported by a nursing or allied health background. Familiarity with medical examination tools, electronic health record systems, and industry-specific software is typically required. Strong interpersonal communication, attention to detail, and organizational skills help you efficiently interact with clients and accurately document findings. These competencies are crucial for ensuring precise risk assessment and high-quality service in the underwriting process.

What is the difference between Life Insurance Examiner vs Insurance Underwriter?

AspectLife Insurance ExaminerInsurance Underwriter
CredentialsTypically requires a high school diploma or equivalent; some roles prefer insurance or medical certificationsRequires a bachelor's degree, often in finance, business, or related fields; certifications like CPCU are common
Work EnvironmentOffice setting, reviewing medical records and claimsOffice setting, assessing risk and approving policies
Industry UsageCommonly employed by insurance companies during claims processingUsed across insurance sectors for policy issuance and risk assessment

While both roles are integral to the insurance industry, a Life Insurance Examiner primarily reviews medical records and claims during the claims process, whereas an Insurance Underwriter evaluates risks to determine policy eligibility and pricing. Understanding these differences helps clarify career paths and job expectations within the insurance field.

What are some common challenges faced by Life Insurance Examiners during the application review process?

Life Insurance Examiners often encounter challenges such as incomplete or inconsistent medical records, difficulty obtaining timely information from healthcare providers, and complex cases that require thorough investigation. Staying organized and maintaining clear communication with applicants and agents is essential to ensure accurate and efficient case evaluation. Additionally, Examiners must balance attention to detail with productivity targets, making time management and adaptability key skills in this role.
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What states have the most Life Insurance Examiner jobs? States with the most job openings for Life Insurance Examiner jobs include:
What job categories do people searching Life Insurance Examiner jobs look for? The top searched job categories for Life Insurance Examiner jobs are:
Life Insurance Examiner jobs near you
Life Insurance Claims Analyst/Examiner - Hybrid Position

Life Insurance Claims Analyst/Examiner - Hybrid Position

Optimum Life Reinsurance

Dallas, TX • On-site

$50K - $60K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 21 days ago

Job description

The Life Insurance claims analyst is responsible for timely handling and adjudication of claims, including some complex claims

Areas of Responsibility

  • Perform various duties relating to life, accidental death, waiver of premium, and critical illness claims including (1) setting up and reviewing for completeness and accuracy, (2) verifying consistency with policy contract and treaty provisions, and (3) approving payment or denial
  • Adjudicate most basic claims, including smaller contestable claims
  • Answer most claims related questions from clients
  • Create and maintain monthly and quarterly reports for our retrocessionaire partners
  • Communicate with ceding company and internal clients as needed
  • Train and support clerical staff as needed
  • Opportunities to lead or support team operations are part of this role; experience in similar responsibilities is a plus.

Requirements for the role

  • 3 years of life insurance claims adjudication
  • Some college coursework or equivalent work experience
  • Ability to handle multiple priorities effectively and meet deadlines
  • Good mathematical proficiency
  • Opportunities to lead or support team operations are part of this role; experience in similar responsibilities is a plus

Skills

  • Good verbal and written communication skills
  • Ability to work within a team environment in a non-supervisory capacity
  • Ability to exercise a high attention to detail to minimize errors
  • Strong contract interpretation, organizational, analytical, and customer service skills
  • Excellent interpersonal skills and client focus perspective
  • Good knowledge of reinsurance and/or insurance industry customs and practices
  • Basic knowledge and use of Microsoft office products (Excel, Word) and Oracle Discoverer (or equivalent report writing software)

Other

  • LOMA courses are preferred but not required
  • Successful passing of at least one ICA exam is preferred, but not required

This is a great opportunity to advance your career into a leadership position.

Company Description

Our employees give Optimum its distinctive edge through the value of their contribution and the quality of the relationships they develop and build with clients. Since 1987, their competence, vision and loyalty help drive our company's performance and stability.
Optimum Re Insurance Company provides an excellent benefits package to its employees here are a few items:
⦁ Medical, Dental & Vision insurance
⦁ Vacation, Personal, Sick time off
⦁ 11 paid Holidays
⦁ 401K Plan with 100% employer contribution
⦁ Short term & Long term disability
⦁ FSA Accounts
⦁ EAP resources
⦁ Continuing Education
⦁ Transportation Benefit
⦁ Legal Resources
⦁ Travel Insurance
⦁ Social & Philanthropy Events
⦁ Life & Accidental Insurance
⦁ Employee Discounts
⦁ Tuition Reimbursement
⦁ Gym Reimbursement
⦁ Volunteer Paid Hours

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