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Life Insurance Medical Examiner Jobs (NOW HIRING)

HSS Careers

Remote Life Insurance Agent

Miami, FL · Remote

$69K - $150K/yr

Life insurance license or willingness to obtain one * Basic computer proficiency and comfort ... Comprehensive medical, dental, and prescription benefits * Unionized position with stock options

HSS Careers

Remote Life Insurance Agent

Richardson, TX · Remote

$69K - $150K/yr

Life insurance license or willingness to obtain one * Basic computer proficiency and comfort ... Comprehensive medical, dental, and prescription benefits * Unionized position with stock options

HSS Careers

Remote Life Insurance Agent

Hialeah, FL · Remote

$69K - $150K/yr

Life insurance license or willingness to obtain one * Basic computer proficiency and comfort ... Comprehensive medical, dental, and prescription benefits * Unionized position with stock options

Lone Star Careers

Remote Life Insurance Agent

Visalia, CA · Remote

$69K - $150K/yr

Comprehensive benefits package including medical, dental, and prescription coverage * Ongoing ... Insurance license required or willingness to obtain one * Basic computer skills * Must reside in ...

HSS Careers

Remote Life Insurance Agent

Perry, FL · Remote

$69K - $150K/yr

Life insurance license or willingness to obtain one * Basic computer proficiency and comfort ... Comprehensive medical, dental, and prescription benefits * Unionized position with stock options

HSS Careers

Remote Life Insurance Agent

Palatka, FL · Remote

$69K - $150K/yr

Life insurance license or willingness to obtain one * Basic computer proficiency and comfort ... Comprehensive medical, dental, and prescription benefits * Unionized position with stock options

HSS Careers

Remote Life Insurance Agent

Sebring, FL · Remote

$69K - $150K/yr

Life insurance license or willingness to obtain one * Basic computer proficiency and comfort ... Comprehensive medical, dental, and prescription benefits * Unionized position with stock options

HSS Careers

Remote Life Insurance Agent

Tampa, FL · Remote

$69K - $150K/yr

Life insurance license or willingness to obtain one * Basic computer proficiency and comfort ... Comprehensive medical, dental, and prescription benefits * Unionized position with stock options

HSS Careers

Remote Life Insurance Agent

Hollywood, FL · Remote

$69K - $150K/yr

Life insurance license or willingness to obtain one * Basic computer proficiency and comfort ... Comprehensive medical, dental, and prescription benefits * Unionized position with stock options

HMG Careers

Remote Life Insurance Agent

Jonesboro, AR · Remote

$69K/yr

Comprehensive benefits package including medical, dental, and prescription coverage * Ongoing ... Insurance license required or willingness to obtain one * Basic computer skills * Must reside in ...

Lone Star Careers

Remote Life Insurance Agent

Anaheim, CA · Remote

$69K - $150K/yr

Comprehensive benefits package including medical, dental, and prescription coverage * Ongoing ... Insurance license required or willingness to obtain one * Basic computer skills * Must reside in ...

Lone Star Careers

Remote Life Insurance Agent

Renton, WA · Remote

$69K - $150K/yr

Comprehensive benefits package including medical, dental, and prescription coverage * Ongoing ... Insurance license required or willingness to obtain one * Basic computer skills * Must reside in ...

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Life Insurance Medical Examiner information

See salary details

$36.5K

$164.7K

$337K

How much do life insurance medical examiner jobs pay per year?

As of Aug 19, 2026, the average yearly pay for life insurance medical examiner in the United States is $164,731.00, according to ZipRecruiter salary data. Most workers in this role earn between $64,000.00 and $268,500.00 per year, depending on experience, location, and employer.

What is a life insurance medical examiner?

Life Insurance Medical Examiners are healthcare professionals, often nurses or paramedics, who conduct medical exams on individuals applying for life insurance. Their role includes collecting medical histories, taking vital signs, drawing blood, and obtaining urine samples to assess the applicant's overall health. The information gathered is used by insurance companies to evaluate risk and determine policy eligibility and premiums. Examiners typically visit clients at their homes or workplaces to perform these examinations. Their work ensures that insurers have accurate health data to make informed coverage decisions.

What are the key skills and qualifications needed to thrive as a life insurance medical examiner?

A Life Insurance Medical Examiner needs a background in nursing, phlebotomy, or a related healthcare field, along with relevant certifications or licenses (such as RN, LPN, or certified phlebotomist). Familiarity with electronic medical record (EMR) systems, laboratory equipment, and specimen handling protocols is typically required. Strong interpersonal skills, attention to detail, and professionalism are crucial for building rapport with clients and ensuring accurate data collection. These skills and qualities are essential for maintaining the integrity of medical examinations, supporting underwriting decisions, and upholding client trust in the insurance process.

What are some common challenges faced by life insurance medical examiners during client examinations?

Life Insurance Medical Examiners often encounter challenges such as managing tight appointment schedules, ensuring accurate and thorough documentation, and making clients feel comfortable during the examination process. They must also adhere to strict confidentiality and compliance standards while collecting samples like blood and urine, sometimes in unfamiliar or non-clinical environments. Additionally, clear communication with both clients and insurance companies is essential to avoid errors and ensure timely processing of applications.

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

AspectLife Insurance Medical ExaminerUnderwriter
Required CredentialsMedical degree or relevant healthcare certificationBackground in finance, insurance, or risk assessment; often requires licensing or certification
Work EnvironmentMedical clinics, mobile units, or insurance officesOffice setting, analyzing applications and data
Industry UsageConducts medical exams for insurance applicantsEvaluates risk and determines policy eligibility and premiums
Common Search IntentUnderstanding medical exam roles in insuranceComparing risk assessment and policy underwriting

The main difference is that a Life Insurance Medical Examiner performs medical examinations to assess applicants' health, while an Underwriter evaluates the collected data to determine policy terms and premiums. Both roles are essential in the insurance industry but focus on different stages of the underwriting process.

More about Life Insurance Medical Examiner jobs

What cities are hiring for Life Insurance Medical Examiner jobs?

Cities with the most Life Insurance Medical Examiner job openings:

What states have the most Life Insurance Medical Examiner jobs?

States with the most job openings for Life Insurance Medical Examiner jobs include:

What job categories do people searching Life Insurance Medical Examiner jobs look for?

The top searched job categories for Life Insurance Medical Examiner jobs are:

Life Insurance Medical Examiner jobs near you
Infographic showing various Life Insurance Medical Examiner job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 77% Full Time, 15% Part Time, and 7% Contract. Highlights an 89% Physical, 1% Hybrid, and 10% Remote job distribution, with an average salary of $164,731 per year, or $79.2 per hour.

Remote Life Insurance Agent

HSS Careers

Miami, FL • Remote

$69K - $150K/yr

Full-time

Medical, Dental

Posted 6 days ago

Job description

Build a rewarding remote career helping individuals and families protect what matters most. Enjoy flexible scheduling, comprehensive training, qualified leads provided, and unlimited long-term earning potential through commissions, bonuses, and residual income.

About the Opportunity

We're seeking motivated professionals who want more than just another job. This is an opportunity to build a long-term career with a nationally recognized organization that promotes from within and rewards performance. Whether you're experienced in sales or simply coachable and driven to succeed, you'll receive the training, mentorship, and support needed to grow into leadership.

Work 100% remotely while helping clients make important financial protection decisions that create real impact for their families.

Role Overview

As a Remote Insurance Representative, you'll meet virtually with individuals and families who have requested information about their benefits and protection options. You'll educate clients, recommend appropriate coverage, and guide them through the enrollment process while building long-term relationships that generate recurring income.

Responsibilities

  • Contact qualified leads to schedule virtual client appointments

  • Conduct virtual benefit consultations and present customized protection solutions

  • Guide clients through the enrollment process with professionalism and care

  • Build lasting client relationships that support long-term retention

  • Work closely with your manager through ongoing coaching and development

  • Consistently improve your skills through training and mentorship

Qualifications

Required

  • Laptop or desktop computer with a working camera

  • Life insurance license or willingness to obtain one

  • Basic computer proficiency and comfort working remotely

  • Must reside in the United States or Canada

  • Professional communication skills and a reliable internet connection

Preferred

  • Previous sales or customer service experience

  • Strong interpersonal and relationship-building skills

  • Coachable, self-motivated, and goal-oriented mindset

  • Passion for helping others and delivering exceptional client experiences

Compensation and Benefits

Average first-year earnings: $69,000 through commissions and bonuses

Long-term earning potential: Increased income through performance, client renewals, and leadership opportunities

Commission-based compensation with residual income opportunities, stock options, and promotion-from-within career advancement.

Key Benefits

  • 100% remote work-from-home career

  • Flexible scheduling within a career-focused environment

  • High-quality leads provided - no cold calling friends or family

  • Comprehensive medical, dental, and prescription benefits

  • Unionized position with stock options

  • Ongoing training, coaching, and mentorship from experienced leaders

  • Leadership advancement and management opportunities

  • Collaborative virtual team culture with ongoing recognition and support

How to Apply

If you're looking for a career that offers flexibility, purpose, and unlimited growth potential, we'd love to meet you. Apply today to begin the interview process and learn how you can build a successful career from home.

Compliance Statement

We are an Equal Opportunity recruiter and welcome applicants from all backgrounds without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or protected veteran status. We may use automated tools, including artificial intelligence (AI), to screen and assess candidates. These tools support and do not replace human decision-making. By applying, you consent to the collection and use of your personal information for recruitment purposes in accordance with applicable data protection laws. Employment is commission-based. Contact us if you require accommodations during the application process.