Life Claims Adjuster (Adjuster IV)

Guarantee Trust Life Insurance Company; Illinois; Hybrid; USD 45,000 - 52,000; Full time

Job summary

Guarantee Trust Life Insurance Company in Glenview, IL is seeking a Life Claims Adjuster (Adjuster IV) to adjudicate Life and Return of Premium claims, interpret policy language, and determine benefits in line with state guidelines.

The role requires reviewing medical records, investigating fraud flags, and communicating clearly with beneficiaries and stakeholders. On-site majority with three flexible remote days per month; strong attention to detail and production standards are essential.

Qualifications

• Experience reading and interpreting many different types of policy languages for benefit administration.
• Experience in Contestability or Rescission investigations a plus.
• Basic ability to read and interpret medical records.
• Excellent verbal communication on calls and written communication for requests and benefit letters.
• Ability to analyze risk and identify potential fraud flags.
• Able to work within a production-based environment and meet quantity requirements.

Responsibilities

• Gather and review required documentation.
• Conduct medical history investigations.
• Conduct accident or homicide investigations.
• Process ROP and large dollar benefits accurately and timely.
• Process claim payments accurately and timely.
• Meet department quality and production standards.
• Communicate clearly with beneficiaries, customers, and coworkers.
• Assist with ad hoc projects and operational initiatives as needed

Skills

Life insurance claims

Policy interpretation

Fraud detection

Communication

Attention to detail

Time management

Analytical thinking

Tools

Microsoft Word

Excel

Job description

Company Overview

At Guarantee Trust Life Insurance Company (GTL), employees join a company with nearly 90 years of stability, purpose, and forward momentum. Founded in 1936 and headquartered in Glenview, Illinois, GTL blends timeless values—integrity, quality products, and personal service with innovative life and health insurance solutions that help policyholders and distributors across the country.

Company Overview

At Guarantee Trust Life Insurance Company (GTL), employees join a company with nearly 90 years of stability, purpose, and forward momentum. Founded in 1936 and headquartered in Glenview, Illinois, GTL blends timeless values—integrity, quality products, and personal service with innovative life and health insurance solutions that help policyholders and distributors across the country.

Where You’ll Work

This position is required to work on-site in our Glenview, IL office most days. Everyone receives 3 flexible remote days per month. And, we offer half-day Fridays – every Friday!

Role Overview

The Life Claims Adjuster (Adjuster IV) will be responsible for adjudicating claims and Return of Premium (ROP) claims based on variable contract provisions, benefits, and state guidelines. The person in this position must be able to understand policy contract language, insurance applications, state statutes, interpret medical records, determine appropriate beneficiaries, identify potential fraud, and correctly calculate the benefits due.

Responsibilities

• Gather and review required documentation
• Conducts medical history investigations
• Conducting accident or homicide investigations
• Accurate and timely processing of ROP claimsEstablishes eligibility and large dollar benefits
• Accurate and timely processing of claim payments
• Meet department quality and production standards
• Corresponds with beneficiaries, customers, and co-workers clearly, accurately, and professionally
• Customer phone interaction with beneficiaries, family members, and funeral homes is necessary
• Provide assistance with ad hoc projects and operational initiatives as needed

Qualifications

• Prior Life claim adjusting experience is required
• Experience reading and interpreting many different types of policy languages for benefit administration
• Experience in Contestability, or Rescission investigations a plus.
• Basic knowledge of software - Microsoft word, Excel a plus.
• Previous Health/Life insurance Customer Service experience
• Basic ability to read and interpret medical records
• Excellent verbal communication on calls and written communication for request and benefit letters
• Ability to analyze risk and identify potential fraud flags
• Able to work within a production-based environment and meet quantity requirements
• Must have great attention to detail, good judgment, and strong organizational skills

Compensation & Benefits

Provided eligibility requirements are met employees will be eligible for the following benefits:

• Medical
• Health Savings Account (including employer contribution)
• Dental
• Vision
• Dependent Care FSA
• Basic Life Insurance (full premium paid by employer)
• Voluntary Employee, Spouse and Child Life Insurance
• Short-Term and Long-Term Disability
• Paid Holidays
• Paid time off including vacation, personal days, sick time and Summer / Flex Fridays
• 401(k), 401(k) Match and Profit-Sharing Retirement Plan

The pay range for this role is $32.50 - $38.00/hour. The pay range provided is not a guarantee of compensation. The range reflects potential pay for the job grade for this role at the time of this posting. Compensation will depend on several factors such as specific competencies, relevant education and experience, qualifications, and industry certifications. Compensation ranges are subject to change and may be higher or lower than the range described above.

Stay Connected with GTL

We invite you to learn more about Guarantee Trust Life by visiting:

Our Website

LinkedIn

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