Contestable Claims Examiner

We are currently looking for a Contestable Claims Examiner to join our Contestable Claims team! The Contestable Claims Examiner investigates and adjudicates life insurance claims within the contestability period, ensures state regulations are being maintained in the follow up process, and provides assistance to the beneficiaries through calls and written correspondence.

• Independently investigate and adjudicate life insurance claims within the contestability period
• Analyze medical records, underwriting files, applications, and supporting documentation to assess material misrepresentation or omissions
• Conduct comprehensive claim investigations and risk assessment
• Identify and evaluate potential fraud
• Prepare clear, well-documented claim analyses and decision rationales
• Communicate professionally and empathetically with beneficiaries, agents, and internal partners
• Partner closely with Underwriting, Legal, and Compliance to support accurate outcomes
• Ensure all claim decisions comply with policy provisions, state regulations, and company guidelines
• Manage a caseload while meeting productivity, quality, and service-level expectations
• Participate in peer reviews, audits, and continuous improvement initiatives
• Stay current on industry regulations, case law, and best practices related to contestable claims

• 2+ years of life insurance claims, underwriting, medical review, or related investigative experience preferred
• Strong analytical and critical-thinking skills
• Ability to interpret medical records and underwriting documentation
• Excellent written and verbal communication skills
• High attention to detail with strong organizational and time-management abilities
• Experience with fraud detection, contestable claims, or complex claims investigations is a plus
• Proficiency with claims systems and Microsoft Office tools

Four year degree from an accredited college or university, or relevant industry experience