[Remote] Senior Claims Examiner at Ethos Life

United States

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Not SpecifiedCompensation

N/AExperience Level

N/AJob Type

Not SpecifiedVisa

N/AIndustries

Requirements

5+ years of experience in life insurance claims examination or adjudication, with strong experience in final expense and contestable claims
Proven ability to adjudicate complex claims and exercise independent settlement authority
Strong understanding of life insurance products, exclusions, contestability periods, and regulations

Responsibilities

Lead the adjudication of complex or contested life insurance claims
Conduct thorough investigations of policy applications, death certificates, medical records, attending physician statements, and third-party reports
Exercise independent settlement authority within defined limits and ensure fair, accurate claims decisions
Identify contestability, misrepresentation, and fraud concerns, escalating to legal as needed
Serve as a subject matter expert for life insurance claims, with a focus on final expense claims, contestable claims, and claims adjudication best practices
Train and mentor associates, providing coaching and technical guidance on complex claims handling
Collaborate with carriers, legal, claim investigators, underwriting, and internal partners to resolve escalated claims and ensure compliance
Maintain the integrity of claims data across systems and prepare detailed, auditable claim files
Proactively identifying risks and suggesting corrective actions to ensure goals are met
Partner with product and technology teams to provide feedback on tooling enhancements that improve claims workflow efficiency
Contribute to the development and implementation of claims process improvements and team wide best practices

Skills

Ethos Life

Online life insurance with no medical exams

About Ethos Life

Ethos Life provides life insurance solutions through a fully online platform, making it easier for individuals and families to obtain coverage without the need for medical exams. The application process is streamlined, allowing potential clients to receive instant quotes and often get approved within minutes by answering specific health and lifestyle questions. This approach contrasts with traditional life insurance methods, which can be lengthy and cumbersome. Ethos Life sells term and whole life insurance policies through partner carriers and earns commissions on these sales. Additionally, the company offers complimentary estate planning tools, such as free wills, to enhance the customer experience and set itself apart from competitors. The goal of Ethos Life is to provide straightforward and affordable life insurance options while simplifying the overall process for its customers.

Austin, TexasHeadquarters

2016Year Founded

$395.4MTotal Funding

SERIES_DCompany Stage

Financial ServicesIndustries

501-1,000Employees

Risks

Departure of key executives like CFO Anan Kashyap may affect financial strategy.

Class action lawsuit under Illinois genetic privacy law could harm Ethos's reputation.

Recent layoffs may indicate financial strain, affecting employee morale and performance.

Differentiation

Ethos Life offers a fully online life insurance application process, eliminating medical exams.

The company provides complimentary estate planning tools, enhancing customer value and experience.

Ethos partners with major insurers like Legal & General America to ensure policy reliability.

Upsides

Growing demand for no-exam life insurance policies boosts Ethos's market potential.

Increased consumer interest in digital insurance solutions aligns with Ethos's tech-driven model.

Partnerships with companies like Ameritas expand Ethos's product offerings and market reach.

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