Medical Consultant

This is a fully remote position, open to applicants in California, +8 more states.

📋 Description

• Assess intricate and medically challenging individual life insurance underwriting and disability claims referrals.

• Analyze, interpret, and evaluate attending physician statements, medical records, laboratory results, diagnostic studies, and specialist reports.

• Identify pertinent mortality and morbidity risks.

• Read and interpret EKG/ECG results along with other diagnostic testing.

• Offer education and medical consultation to underwriters, claims examiners, and business partners.

• Lead and contribute to the creation, review, maintenance, and enhancement of underwriting medical manuals, guidelines, and reference materials.

• Maintain an expert-level understanding of medical literature, clinical advancements, treatment innovations, and emerging trends pertinent to insurance medicine and risk assessment.

⛳️ Requirements

• Bachelor of Science in Nursing.

• Active license as one of the following: RN, NP, APRN, or PA.

• Over 7 years of clinical healthcare experience in a medical, nursing, or advanced practice environment.

• More than 7 years of experience in reviewing and interpreting medical records, physician documentation, laboratory reports, and diagnostic testing.

• At least 1 year of experience interpreting EKG/ECG findings within a clinical or insurance medical context.

• Advanced clinical credentials such as APRN, NP, CNS, PA-C, MD, or DO (preferred).

• Certification in Insurance Medicine, such as ALU, FALU, FLMI, CLU, or an equivalent insurance-related designation (preferred).

• Experience in developing underwriting guidelines, medical manuals, or clinical decision-support tools (preferred).

• Experience in designing and delivering training programs for underwriting, claims, or medical professionals (preferred).

• Bilingual proficiency in Spanish and/or Mandarin (preferred).

• Expertise in mortality and morbidity risk assessment within life insurance, disability insurance, or related financial services environments (preferred).

• Experience leading cross-functional initiatives and influencing business partners on medical risk strategy (preferred).

• Strong written and verbal communication skills (preferred).

🏝️ Benefits

• Competitive salaries.

• Incentive and bonus opportunities.

• Clear areas of ownership and accountability.

• Collaborative environment that welcomes diverse perspectives.

• Access to learning, development, and internal networks.

• Employee-led communities and forums that promote connection, learning, and inclusion.

• An inclusive, vibrant, and diverse culture.

• Industry-leading pay and benefits.

• Accommodation support during the application process.