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 oversee and support life insurance claims administration, policy benefit verification, and claims assessment workflows. This role focuses on reviewing claim submissions, verifying policy coverage, analyzing supporting documentation, coordinating beneficiary and claimant inquiries, and monitoring claims processing quality.

The successful candidate will have strong knowledge of life insurance products, policy provisions, claims procedures, beneficiary entitlements, and insurance compliance requirements. Working fully remotely, the specialist will coordinate with policy administration teams, insurers, beneficiaries, healthcare providers, legal representatives, and other stakeholders to support accurate, timely, and well-documented claims handling.

Key Responsibilities

• Review life insurance claims, including death benefits, maturity benefits, terminal illness claims, and other policy-related benefit requests.
• Examine claim forms, policy records, medical documentation, death certificates, beneficiary information, and supporting evidence for completeness and consistency.
• Verify policy status, coverage periods, premiums, exclusions, waiting periods, sum assured, riders, and applicable benefit provisions.
• Analyze claims information and identify discrepancies, missing documentation, potential misrepresentation, or indicators requiring further investigation.
• Coordinate with claimants, beneficiaries, insurers, healthcare providers, legal representatives, and internal departments to obtain relevant information.
• Support claims assessment workflows by preparing case summaries, reviewing policy documentation, and documenting findings for authorized decision-makers.
• Monitor claims processing timelines, outstanding requirements, service levels, and case escalation procedures.
• Review benefit calculations and support verification of policy proceeds, subject to established approval controls.
• Coordinate the handling of complex, disputed, or potentially fraudulent claims through appropriate investigation and escalation channels.
• Support claims reconsideration and appeals processes by organizing evidence, reviewing correspondence, and preparing case documentation.
• Maintain accurate digital claims files, beneficiary records, correspondence, decision histories, and audit trails.
• Prepare claims reports, trend analysis, exception summaries, and operational performance dashboards.
• Identify opportunities to improve claims workflows, documentation standards, quality assurance, and claimant service.
• Support internal and external audits by compiling evidence, reviewing records, and tracking corrective actions.
• Monitor changes in life insurance regulations, policy administration practices, and applicable claims handling requirements.

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, insurance operations, or claims assessment support.
• Strong understanding of life insurance products, policy terms, beneficiary arrangements, exclusions, riders, and benefit calculations.
• Experience reviewing death claims, maturity claims, medical evidence, policy records, and supporting legal documentation.
• Knowledge of claims investigation procedures, fraud indicators, dispute handling, and escalation controls.
• Familiarity with life insurance administration platforms, claims management systems, document management tools, and reporting applications.
• Understanding of relevant UAE insurance requirements and applicable privacy and data protection obligations.
• Strong analytical, documentation review, numerical, and case management skills.
• Ability to interpret policy provisions and identify inconsistencies or potential claims risks.
• Excellent written and verbal communication skills, with the ability to handle sensitive claimant and beneficiary matters professionally.
• High standards of accuracy, confidentiality, integrity, and customer service.
• Ability to manage multiple cases and deadlines independently in a fully remote environment.

What We Offer

• A fully remote, work-from-home position.
• Competitive compensation based on qualifications and relevant experience.
• Opportunities to contribute to life insurance claims and policy administration operations.
• Exposure to diverse life insurance products, claims processes, and insurance systems.
• Professional development and opportunities to strengthen technical expertise.
• A collaborative environment focused on accuracy, fairness, service quality, and continuous improvement.

How to Apply

Interested candidates should submit an updated CV highlighting their experience in life insurance claims, policy administration, claims documentation review, beneficiary servicing, and insurance systems.

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.

• Important Scope of Responsibilities: This is a fully remote claims documentation review, policy analysis, case coordination, and operational support role. Physical medical examinations, patient assessments, in-person identity verification, original document handling, and local investigations must be performed by appropriately qualified local personnel. Clinical judgments, legal determinations of beneficiary entitlement, binding coverage decisions, claim acceptance or repudiation, settlement agreements, benefit payment releases, regulated insurance advice, formal regulatory notifications, and statutory compliance sign-offs must be completed by appropriately licensed or authorized insurance, medical, legal, or compliance professionals.