This clinician will provide medical consulting for life and disability underwriting, using case reviews, medical judgment, and current literature to assess risk and support underwriting decisions. The role also includes claims review, physician and underwriter education, and development or revision of underwriting standards across product lines. It is a remote, senior-level physician position with broad collaboration across underwriting, claims, legal, and client teams.
Key Responsibilities
- Conduct case underwriting reviews for life, disability, and other product lines to support risk selection.
- Review medical and underwriting data and apply company criteria, medical judgment, and market considerations to decisions.
- Collaborate with underwriters and other stakeholders to prepare and document underwriting decisions.
- Provide ongoing education to internal and external underwriters through webinars, case clinics, discussions, and presentations.
- Train and mentor new physicians in medical underwriting.
- Assist in developing and revising underwriting guidelines and the underwriting manual based on current scientific and business considerations.
- Review new medical testing technologies, literature, and emerging trends for potential impact on risk assessment.
- Consult with Claims, Legal, and other departments and assist with claims review when needed.
Required
- Doctor of Medicine (MD) or Doctor of Osteopathy (DO) degree.
- Current medical licensure and ongoing CME compliance.
- Board certification in Internal Medicine or equivalent.
- Board certification in Insurance Medicine.
- At least 3 years of clinical experience.
- At least 5 years of insurance medicine experience.
- Proficiency in EKG and stress test interpretation.
Preferred
- Reinsurance experience.
- Professional designations such as FALU or FLMI.
- Advanced morbidity methodology training.
Benefits & Perks
- Remote work from anywhere in the U.S.
- Medical, prescription drug, vision, and dental insurance options.
- Employer-provided basic life and AD&D coverage.
- Short- and long-term disability coverage.
- 401(k) with up to 6% employer match.
- Paid time off starting at 24 days per year.
- Eligibility for an annual bonus.
- Tuition assistance and educational achievement bonuses.
- Gym fitness reimbursement and other wellness programs.