Senior Life Policy Claims Specialist

Job Title: Senior Life Policy Claims Specialist

Location: United Arab Emirates (Remote)

Employment Type: Full-Time

Work Arrangement: 100% Remote — Work From Home

Level: Senior

About the Role

We are seeking an experienced Senior Life Policy Claims Specialist to manage and oversee life insurance claims throughout the claims lifecycle, from initial notification and documentation review to assessment, settlement coordination, and closure. The successful candidate will bring strong knowledge of life insurance policy provisions, beneficiary entitlements, claims investigation, regulatory requirements, and customer service standards. This fully remote position requires sound judgment, analytical ability, and a commitment to accurate, fair, and timely claims handling.

Key Responsibilities

• Manage complex life insurance claims, including death, terminal illness, critical illness, disability, and other policy-related benefit claims.
• Review claim notifications and assess submitted documentation for completeness, accuracy, and policy relevance.
• Interpret life insurance contracts, policy schedules, endorsements, exclusions, waiting periods, and benefit conditions.
• Verify policy status, coverage validity, premium payment history, and applicable benefit eligibility.
• Examine medical reports, death certificates, attending physician statements, and other supporting evidence.
• Assess beneficiary designations, ownership records, assignments, and relevant entitlement documentation.
• Coordinate claim investigations where additional information or clarification is required.
• Identify potential misrepresentation, non-disclosure, inconsistencies, fraud indicators, and unusual claims patterns.
• Liaise with medical reviewers, legal advisers, underwriting teams, reinsurers, and other relevant stakeholders.
• Evaluate claims against internal procedures, policy wording, applicable regulations, and delegated authority limits.
• Prepare clear claim assessment reports, recommendations, and supporting documentation.
• Coordinate approved claim payments, benefit calculations, deductions, and settlement adjustments.
• Review declined, disputed, escalated, and reopened claims, ensuring decisions are properly supported.
• Manage customer and beneficiary communications with professionalism, empathy, and confidentiality.
• Handle complaints and support internal dispute-resolution processes.
• Monitor outstanding claims, processing timelines, documentation gaps, and service-level performance.
• Maintain accurate electronic claim files, case notes, audit trails, and management reports.
• Support claims quality assurance reviews, internal audits, process improvements, and operational risk assessments.
• Identify recurring claims issues and recommend improvements to documentation standards and workflow controls.
• Provide technical guidance and mentoring to junior claims specialists.

Qualifications and Experience

• Bachelor's degree in Insurance, Finance, Business Administration, Risk Management, or a related discipline.
• Significant experience in life insurance claims assessment, administration, or claims management.
• Strong understanding of individual and group life insurance products and policy structures.
• Knowledge of death, disability, critical illness, terminal illness, and related benefit claims.
• Experience interpreting policy wording, exclusions, endorsements, and beneficiary provisions.
• Ability to review medical and legal documentation relevant to life insurance claims.
• Understanding of claims investigation methods, fraud indicators, and anti-fraud controls.
• Familiarity with insurance regulations, claims governance, data protection, and confidentiality requirements.
• Strong analytical, numerical, and decision-making skills.
• Experience preparing technical claims reports and documenting assessment rationales.
• Ability to manage complex, sensitive, and high-value claims with sound professional judgment.
• Strong written and verbal communication skills.
• Excellent organizational skills and the ability to manage multiple cases and deadlines remotely.
• Proficiency in insurance claims platforms, policy administration systems, and Microsoft Office applications.
• High standards of integrity, discretion, accuracy, and customer service.
• Relevant professional insurance qualifications or claims-management certifications are advantageous.

What We Offer

• A fully remote working arrangement based in the UAE employment context.
• Competitive compensation aligned with experience and role responsibilities.
• Opportunities to contribute to claims governance and operational improvement.
• Professional development and exposure to complex life insurance claims.
• A collaborative working environment with cross-functional insurance professionals.

How to Apply

Interested candidates should submit an updated CV highlighting their life insurance claims experience, relevant qualifications, and expertise in policy interpretation and claims assessment.

Email Subject: Application – Senior Life Policy Claims Specialist (UAE Remote)

• Candidates should confirm applicable employment arrangements, residency requirements, and work authorization before accepting an offer. This role focuses on remote claims assessment, documentation review, reporting, and coordination. Any formal claim approvals, settlement authorizations, regulated insurance activities, or legally binding decisions must be performed by appropriately authorized personnel in accordance with applicable requirements.