Claims Examiner (Life Insurance)

Location: Remote opportunity working EST; role associated with Frederick, Maryland, United States

Salary: $80,800–$110,000 annually, with eligibility for an annual incentive plan targeting 8% of base salary.

Company

hirify.global Insurance Company provides life insurance products and claims services focused on long-term support for customers, clients, and communities.

What you will do

• Adjudicate complex, contestable, and higher-risk life and health claims within delegated authority.
• Analyze policy provisions, applicable law, underwriting evidence, medical records, investigative findings, and administrative documentation to determine liability and settlements.
• Communicate claim requirements, status, and resolutions to claimants, beneficiaries, attorneys, agents, reinsurers, vendors, and internal partners.
• Direct third-party investigations and evaluate findings for relevance, completeness, and credibility.
• Manage contestability, rescission, fraud, litigation, regulatory, and reinsurance activities for assigned claims.
• Prepare case summaries, recommendations, reports, and documentation, while providing technical guidance and training support to Claims Representatives.

Requirements

• At least three years of progressively responsible life claims experience, including complex claim adjudication.
• Advanced knowledge of life insurance contracts, complex and contestable claims, investigations, and claims procedures.
• Experience with contestable, accidental death, accelerated death benefit, waiver, foreign death, rescission, and fraud-related claims.
• Strong analytical, investigative, negotiation, organizational, prioritization, and independent decision-making skills.
• Excellent written and verbal communication skills, with the ability to explain complex decisions clearly and professionally.
• Proficiency in Microsoft Word, Microsoft Excel, claims administration systems, and research systems.

Nice to have

• Bachelor’s degree or equivalent combination of education and relevant experience.
• Five or more years of general life insurance experience.
• Advanced insurance education or credentials such as ALMI, ACS, or comparable coursework.
• ALHC or comparable claims-focused credential.

Culture & Benefits

• Remote work arrangement with EST working hours.
• Health, life, and dental insurance.
• 401(k) with company match of up to 6% and a pension package.
• Fifteen accrued vacation days, ten accrued sick days, and nine paid holidays.
• Professional development, mentoring, wellbeing initiatives, and paid volunteer time.