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

The Senior Life Policy Claims Specialist is responsible for reviewing, assessing, and coordinating life insurance claims to support accurate, timely, and consistent claims administration. The role focuses on policy interpretation, beneficiary and coverage verification, claims documentation, financial assessment, and the identification of discrepancies or potential fraud indicators. Working remotely, the specialist collaborates with claims teams, underwriting, policy administration, compliance, legal, and customer service stakeholders to maintain high standards of service, confidentiality, and regulatory compliance.

Key Responsibilities

• Review and assess life insurance claims, including death benefits, maturity benefits, terminal illness claims, and other policy-related benefit requests.
• Examine policy contracts, endorsements, amendments, exclusions, and coverage conditions to establish applicable claim requirements.
• Verify policy status, premium payment history, coverage validity, waiting periods, and relevant policy limitations.
• Review claim forms, beneficiary details, death certificates, medical records, and supporting documentation for completeness and consistency.
• Identify missing, inconsistent, or potentially inaccurate information and coordinate requests for additional documentation.
• Assess beneficiary entitlements in accordance with policy provisions and applicable claims procedures.
• Coordinate with underwriting and policy administration teams regarding policy history, disclosures, reinstatements, and coverage-related questions.
• Review claims involving pre-existing conditions, contestability periods, exclusions, or other complex policy provisions.
• Identify potential fraud indicators, unusual claim patterns, document irregularities, and material inconsistencies for escalation.
• Prepare clear claims assessment summaries, recommendations, and supporting evidence for authorized decision-makers.
• Monitor outstanding claims, pending documentation, review deadlines, and service-level performance indicators.
• Coordinate with internal legal, compliance, and risk teams on disputed, sensitive, or high-value claims.
• Support the handling of beneficiary inquiries, complaints, reconsideration requests, and claims escalations.
• Maintain accurate electronic claims records, assessment notes, correspondence, and audit trails.
• Contribute to claims process improvements, documentation standards, quality assurance reviews, and operational reporting.
• Protect confidential policyholder and beneficiary information in accordance with applicable privacy and information-security requirements.

Qualifications and Experience

• Bachelor's degree in Insurance, Finance, Business Administration, Risk Management, or a related discipline.
• Significant experience in life insurance claims assessment, policy administration, or life insurance operations.
• Strong understanding of life insurance policy structures, benefit provisions, exclusions, beneficiary entitlements, and claims procedures.
• Experience reviewing complex claims documentation and interpreting policy wording.
• Knowledge of claims investigation principles, fraud indicators, and escalation procedures.
• Familiarity with UAE insurance practices and applicable regulatory requirements is an advantage.
• Strong analytical, numerical, and document-review skills, with excellent attention to detail.
• Ability to assess complex cases objectively and prepare well-supported written recommendations.
• Experience using insurance claims platforms, policy administration systems, document management tools, and Microsoft Office applications.
• Excellent written and verbal communication skills.
• Ability to manage confidential information and sensitive beneficiary matters with discretion.
• Strong organizational skills and the ability to manage multiple claims within defined service deadlines.
• Ability to work independently and collaborate effectively in a fully remote environment.

What We Offer

• Fully remote working arrangement within the stated UAE-based role framework.
• Opportunity to contribute to complex life insurance claims and policy servicing operations.
• Professional collaboration with insurance, compliance, underwriting, and risk specialists.
• A structured environment focused on accuracy, service quality, and continuous improvement.
• Opportunities for ongoing professional development in life insurance claims and operations.

How to Apply

Interested candidates should submit an updated CV highlighting their life insurance claims experience, knowledge of policy provisions, and experience handling complex claims assessments.

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

• Candidates should confirm applicable employment arrangements, residency requirements, and work authorization before accepting an offer. Any formal claims approval, regulated insurance activity, or binding determination must be completed by appropriately authorized personnel under applicable laws and internal delegation frameworks.