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, ensuring that submitted documentation is complete and that claims are evaluated in accordance with policy provisions and established procedures. This role focuses on beneficiary verification support, policy coverage review, claims investigation coordination, documentation analysis, and settlement processing oversight. The successful candidate will demonstrate strong knowledge of life insurance products, claims administration, policy interpretation, and regulatory compliance while maintaining professional communication with beneficiaries, insurers, brokers, and internal stakeholders.

Key Responsibilities

• Review life insurance claims involving death benefits, maturity benefits, terminal illness benefits, disability benefits, and other applicable policy provisions.
• Examine claim forms, policy schedules, medical records, death certificates, beneficiary documentation, and supporting evidence.
• Verify policy status, coverage periods, premium payment history, exclusions, waiting periods, and applicable benefit conditions.
• Review beneficiary information, nomination records, ownership details, and supporting documentation for consistency.
• Coordinate remotely with beneficiaries, policyholders, brokers, hospitals, healthcare providers, legal representatives, and internal claims teams.
• Identify missing documentation, inconsistencies, potential misrepresentation indicators, and unusual claim circumstances.
• Support claims investigations by coordinating evidence requests, reviewing submitted reports, and documenting findings.
• Analyze policy terms and contractual provisions to prepare clear claims assessment summaries for authorized decision-makers.
• Monitor claim processing timelines, outstanding requirements, pending investigations, and settlement progress.
• Review benefit calculations, policy values, accrued bonuses, applicable deductions, and settlement figures.
• Coordinate with actuarial, underwriting, compliance, finance, and customer service teams to resolve complex claims matters.
• Maintain accurate electronic claims files, case notes, correspondence, and supporting documentation.
• Handle sensitive personal, financial, and medical information in accordance with confidentiality and data protection requirements.
• Prepare claims performance reports, aging analyses, exception summaries, and management information.
• Support claims quality assurance reviews, internal audits, and process compliance assessments.
• Monitor changes in life insurance regulations, claims handling standards, and policy administration practices.
• Identify recurring claims issues and recommend improvements to documentation requirements, workflow efficiency, and customer service.
• Provide technical guidance to junior claims specialists and support consistent application of claims procedures.

Qualifications and Experience

• Bachelor's degree in Insurance, Finance, Business Administration, Risk Management, or a related discipline.
• Significant experience in life insurance claims, policy administration, claims assessment, or insurance operations.
• Strong understanding of life insurance products, including term life, whole life, endowment, group life, and investment-linked policies.
• Experience reviewing policy contracts, beneficiary records, claims forms, medical documentation, and supporting evidence.
• Knowledge of policy exclusions, contestability provisions, waiting periods, premium status, and benefit calculation methods.
• Familiarity with death claims, maturity claims, disability claims, terminal illness benefits, and other life policy claim types.
• Understanding of claims investigation procedures, fraud indicators, and escalation requirements.
• Familiarity with insurance regulations, customer protection standards, and data privacy requirements.
• Experience using claims management platforms, policy administration systems, document management tools, and reporting applications.
• Strong analytical skills with the ability to interpret policy wording and identify inconsistencies in complex claim files.
• Excellent written and verbal communication skills, particularly when handling sensitive beneficiary and customer enquiries.
• High attention to detail, discretion, and ability to manage confidential information.
• Strong organizational skills and ability to manage multiple claims cases within established service-level timelines.
• Relevant professional qualifications such as ACII, LOMA, FLMI, or equivalent insurance certifications are advantageous.

What We Offer

• Fully remote working arrangement within the stated UAE-based role framework.
• Competitive compensation aligned with experience and insurance claims expertise.
• Opportunities to work with diverse life insurance products and complex claims cases.
• Professional development in claims investigation, policy interpretation, and insurance operations.
• Collaborative working environment with opportunities for specialist development and career progression.

How to Apply

Interested candidates should submit an updated CV highlighting their life insurance claims experience, policy knowledge, claims investigation capabilities, and relevant professional qualifications.

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. Claims documentation review, policy analysis, investigation coordination, and administrative assessment may be performed remotely. Physical medical examinations, patient assessments, in-person identity verification, and evidence collection requiring local presence must be undertaken by qualified local personnel. Clinical determinations, binding coverage decisions, claim acceptance or repudiation, beneficiary entitlement determinations, settlement agreements, payment releases, litigation decisions, regulatory notifications, and statutory reporting sign-offs must be performed or authorized by appropriately licensed or designated professionals in accordance with applicable requirements and internal governance procedures.