Senior Life Policy Claims Specialist

🏗 We're Hiring: Senior Life Policy Claims Specialist
Location: United Arab Emirates (Remote)
Employment Type: Full-Time
Experience Level: Senior-Level
Work Arrangement: Fully Remote
About Us
We are a construction-focused organization committed to financial integrity, employee protection, effective risk management, and operational excellence. We value professionals who can manage sensitive insurance claims, ensure accurate assessments, and deliver timely, compliant claims decisions.
The Role
We are seeking an experienced Senior Life Policy Claims Specialist to oversee life insurance claims from initial notification through assessment, approval, and settlement. The successful candidate will verify policy coverage, review beneficiary documentation, investigate complex claims, and ensure that all decisions comply with policy provisions, regulatory requirements, and internal procedures.
Key Responsibilities
Review, assess, and process life insurance claims, including death, maturity, surrender-related, and other eligible policy benefits.
Verify policy status, coverage provisions, exclusions, premium payment history, and beneficiary entitlements.
Examine claim forms, death certificates, medical records, and other supporting documentation.
Investigate complex, high-value, disputed, or potentially fraudulent claims.
Coordinate with beneficiaries, policyholders, medical professionals, legal representatives, insurers, and internal departments.
Validate beneficiary identities, ownership records, and payment instructions in accordance with established controls.
Interpret policy terms and determine eligibility for benefits and claim settlements.
Identify discrepancies, incomplete documentation, suspicious circumstances, and potential misrepresentation.
Coordinate escalated cases with underwriting, legal, compliance, and fraud investigation teams.
Maintain accurate claim files, assessment notes, correspondence, and settlement records.
Monitor claim processing timelines and ensure timely resolution of outstanding cases.
Prepare claims reports, financial summaries, and management updates.
Ensure compliance with applicable insurance regulations, privacy requirements, and internal claims procedures.
Support audits, quality assurance reviews, and regulatory inquiries.
Identify process improvements to enhance claims accuracy, efficiency, and beneficiary service.
Provide technical guidance to junior claims specialists and support consistent claims assessment practices.
Qualifications and Experience
Bachelor's degree in Insurance, Finance, Business Administration, Law, or a related field.
Significant experience in life insurance claims processing, claims assessment, or life policy administration.
Strong understanding of life insurance products, policy provisions, exclusions, beneficiaries, and settlement procedures.
Experience reviewing medical and legal documentation and investigating complex claims.
Knowledge of UAE insurance regulations and applicable compliance requirements is an advantage.
Familiarity with claims management systems and Microsoft Office applications.
Strong analytical, investigative, organizational, and decision-making skills.
Excellent written and verbal communication skills.
High attention to detail and ability to handle confidential personal and medical information.
Relevant insurance qualifications, such as ACII, CII, or equivalent, are an advantage.
Key Performance Indicators (KPIs)
Accuracy and timeliness of claims assessment and settlement.
Compliance with policy provisions and regulatory requirements.
Reduction in outstanding claims and processing delays.
Accuracy of benefit calculations and settlement documentation.
Effectiveness in identifying suspicious or potentially fraudulent claims.
Quality of claim records and audit outcomes.
Beneficiary satisfaction and service response times.
What We Offer
Remote working opportunities, subject to operational and data security requirements.
Competitive compensation based on experience and qualifications.
Professional development and insurance industry training.
Collaborative working environment with insurance and compliance professionals.
Opportunities to improve claims operations and customer service standards.
How to Apply
Interested candidates are encouraged to submit their updated CV highlighting experience in life insurance claims, policy interpretation, beneficiary verification, claims investigation, and settlement processing.

Work arrangement
Yes