Provide physician-level medical review for life insurance underwriting and claims, using clinical expertise to assess mortality and morbidity risk and support fair, evidence-based decisions. The role centers on applying current medical literature and guidelines to case review, guideline updates, and risk management, with regular collaboration across underwriting, legal, and claims teams. It is fully remote with occasional travel to the St. Paul home office, and includes teaching and consultation work within an insurance medicine setting.
Key Responsibilities
- Review medical information for underwriting and claims cases.
- Provide medical consultation to underwriters and claims examiners.
- Support underwriting and claims decisions using current medical guidelines and evidence.
- Interpret ECGs and apply advanced clinical judgment to risk assessment.
- Monitor medical literature, advances, and emerging risks relevant to insurance medicine.
- Develop and present concise medical updates for internal stakeholders.
- Teach underwriters through case discussions and medical education.
- Contribute to guideline updates, fair risk assessment initiatives, and business strategy discussions.
Required
- MD or DO degree.
- Active physician license.
- At least 5 years of clinical experience.
- Strong communication skills across underwriting, legal, and business teams.
- Ability to work collaboratively in a team-based environment.
Preferred
- At least 5 years of insurance medicine experience.
- Progress toward or completion of AAIM Diplomate Board of Insurance Medicine (DBIM) certification.
- Experience with life insurance.
- Interest in artificial intelligence tools and responsible workflow integration.
- Engagement in the insurance medicine community.
Benefits & Perks
- Fully remote work.
- Flexible schedule at 0.8-1.0 FTE (32-40 hours per week).
- Travel to the home office only twice annually.
- Competitive base pay range of $211,000-$287,000.
- Potential performance-based incentive program.
- Paid time off and additional PTO with tenure.
- Parental, caregiver, bereavement, and military leave programs.
- Company-paid holidays.
- Company-funded pension plan and 401(k) with company contribution.
- Medical, dental, and vision coverage from day one for eligible associates and family members.
- Volunteer time and matching gift program.