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Life Insurance Examiner Jobs (NOW HIRING)

Americo Life, Inc.

Claims Examiner I

Kansas City, MO

The Claims Examiner processes the notification of death claims, ensures state regulations are being ... Knowledge of life and disability insurance * Well organized, detail oriented, uses time efficiently

Chubb

Senior Claim Examiner

Philadelphia, PA

Provide coaching and guidance to new claim examiners * BA/BS College Degree Preferred. JD is ... insurance, reinsurance, and life insurance to a diverse group of clients. The company is ...

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$93.5K

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How much do life insurance examiner jobs pay per year?

As of Jul 5, 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
Mobile Phlebotomist & Paramedical Examiner Independent Contractor

Mobile Phlebotomist & Paramedical Examiner Independent Contractor

APPS Paramedical Services

Oceana, WV • On-site

$15 - $60/hr

Part-time

Posted 11 days ago

Job description

About the Position: 
American Para Professional Systems, Inc. (APPS) is a leading nationwide provider of mobile life and disability insurance examination services. With more than 100 offices across the United States, APPS has built a reputation for professionalism, reliability, and exceptional service quality.
Role Overview: 
When individuals apply for life or disability insurance coverage, insurers often require a medical examination as part of the underwriting process. These examinations are performed by independent contractors who are not affiliated with the insurance company. APPS partners with insurance carriers to facilitate accurate and timely completion of these assessments.
Responsibilities: 
As an Independent Contractor Examiner, you will conduct health screenings at locations convenient for clients, including their homes, workplaces, insurance agents' offices, or APPS facilities.
Key responsibilities include:
  • Conducting brief health assessments and obtaining medical history information.
  • Documenting details related to illnesses, surgeries, medications, healthcare providers, and provider contact information.
  • Recording physical measurements such as height, weight, blood pressure, pulse, and waist-to-hip ratio.
  • Collecting blood and urine specimens, and occasionally saliva samples.
  • Performing venipuncture using a two-tube vacutainer system; strong phlebotomy skills are required.
  • Conducting electrocardiograms (EKGs) using portable equipment when needed (training provided).
  • Preparing specimens for shipment and ensuring all required documentation is completed accurately.
  • Examinations typically take between 15 and 45 minutes, depending on the specific requirements of the insurance carrier.
Qualifications:
Candidates must meet the following requirements:
  • Successfully pass a background check.
  • Possess a valid driver's license, reliable transportation, proof of auto insurance, and a mobile phone.
  • Maintain a professional appearance and demeanor.
  • Demonstrate strong phlebotomy and venipuncture skills.
  • Have a working knowledge of medical terminology and human anatomy.
  • Be proficient with computers, printers, and scanners.
  • Exhibit strong organizational, communication, and time-management skills.
  • Accurately obtain and document medical histories.
  • Maintain strict confidentiality and comply with HIPAA regulations.
  • Work independently with minimal supervision.
  • Effectively communicate with branch offices, clients, and insurance agents.
  • Ability to perform EKGs is preferred; training will be provided if necessary.

Schedule: This is an independent contractor position that offers the flexibility to create and manage your own schedule.
Compensation:
  • Compensation is based on examiner availability and the number of completed examinations. 
  • Payments and reimbursements are issued biweekly through direct deposit.