National Life Group

Claims Examiner or Associate Claims Examiner - Liability Claims Oak Brook IL

National Life Group$65K — $115K *
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • 3-5 years of third party/liability claim experience
  • Roles in claims examination, adjusting, paralegal work, or law practice are relevant
  • Familiar with liability laws and insurance coverage
  • Advanced degrees such as JD preferred
  • Multi-jurisdictional liability knowledge is advantageous

Responsibilities

  • Review coverage by analyzing loss notices and policy details
  • Conduct comprehensive investigations into liabilities and damages
  • Manage independent adjusters and direct investigation processes
  • Evaluate liability exposure using legal principles
  • Maintain accurate reserves throughout claim progression
  • Negotiate settlements and manage claim files effectively
  • Prepare detailed reports for reserves and coverage positions
  • Collaborate with underwriting and other teams for product health

Benefits

  • 100% medical benefits for full-time employees
  • 80% medical benefits for eligible part-time employees
  • Triannual performance-based bonuses
  • Profit-sharing program
  • Daily free lunch for onsite staff
  • Access to over 450 annual personal and professional development courses
Full Job Description
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Notice: Applicants must be authorized to work for ANY employer in the U.S. We are unable to sponsor or take over sponsorship of an employment visa at this time. However, USLI reserves its right to provide employment-based immigrant visa assistance on a discretionary basis.

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Claims Examiner or Associate Claims Examiner - Liability Claims Oak Brook IL
Location: Oak Brook, IL Team: Claims Job Type: Claims FT/PT Status: Full Time
Job Title: Claims Examiner -Liability

Location: Oak Brook, IL

About Us: At USLI, we're not just about insurance - we are committed to making a difference, both internally and externally. Our community is built upon five values: Caring, Attitude, Respect, Empathy and Energy. Our commitment to these values leads us to make better decisions and furthers our true sense of community. By joining our team, you'll be part of a vibrant organization that values innovation, collaboration, and growth. Here, you'll have the opportunity to shape the future of insurance and make a meaningful impact.

Your Role: You'll play a critical role in evaluating coverage, liability, and damages for each unique claim. You'll collaborate across teams and with external stakeholders to effectively investigate, negotiate, and resolve claims.

Key Responsibilities:
  • Coverage review: Confirm coverage by reviewing the first notice of loss and policy details; prepare disclaimers and reservation of rights letters as necessary
  • Thorough investigation: Conduct detailed investigations into claims, including liability and damages assessment, witness interviews, scene inspections, and evidence collection
  • Independent adjusters: Retain and provide directions to independent adjusters while managing all aspects of the investigation process
  • Liability analysis: Apply statutory and case law to evaluate liability exposure and ensure joint tortfeasors contribute their fair share
  • Reserve maintenance: Maintain accurate reserves reflecting liability and damages as claims develop
  • File management: Proactively manage claim files, negotiate settlements directly with claimants or attorneys, oversee defense counsel, and ensure effective litigation management
  • Reporting: Prepare comprehensive reserve authority requests, reinsurance reports, serious loss reports, and coverage position letters
  • Cross-team collaboration: Provide updates and collaborate with underwriting, compliance, and actuarial teams to maintain healthy products

What You'll Bring:
  • Problem-solving skills: Analytical and creative problem-solving capabilities with a focus on liability and damage evaluation
  • Communication: Strong oral and written communication skills to effectively interact with all stakeholders
  • Negotiation expertise: Assertive decision-making with effective negotiation and conflict management skills
  • Organization: Strong organizational and time management skills to manage multiple priorities efficiently
  • Technical knowledge: Familiarity with insurance coverage, negligence law, and claim evaluation processes

Qualifications:
  • Third Party/Liability relevant experience
  • Relevant roles include examiner, adjuster, paralegal, attorney/lawyer, or other transferable experience
  • Liability expertise: Multi-jurisdictional knowledge, liability experience, and advanced degrees (e.g., JD) are a plus

Passion and drive can be just as important as experience. If you're excited about this opportunity, we'd love to hear from you!

Position affords 5 days per month to work remotely.

Salary Range: Associate Claims Examiner: $65K - $95K; Claims Examiner: $85K - $115K

What We Offer: One of the advantages of working at USLI is the competitive salary and benefits program we offer full-time and eligible part-time employees. Benefits include performance-based triannual bonuses, medical benefits paid at 100% for full-time employees and 80% for eligible part-time employees, a profit-sharing program, free lunch every day while onsite, and more than 450 annual personal and professional development courses. Explore more company benefits .

Why USLI? At USLI, we are committed to fostering a vibrant and inclusive community that celebrates the rich diversity of all ethnicities, nationalities, abilities, genders, gender identities, sexual orientations, ages, religions, socioeconomic backgrounds, and life experiences. We understand the importance of continuous learning, self-reflection, acknowledging our biases, and expanding our perspectives beyond our own. We actively encourage open dialogue on diversity, equity, inclusion, and belonging to support a workplace where every individual feels valued, respected, and empowered to contribute at their fullest potential. Join us in building a diverse and inclusive environment where our shared values drive us toward excellence.

About National Life Group

National Life Group is a diversified financial services company that offers life insurance, annuities, and investment products. The company was founded in 1848 and is headquartered in Montpelier, Vermont. National Life Group is committed to providing financial security to its policyholders and has been recognized for its corporate social responsibility initiatives. The company has over 1,000 employees and operates in all 50 states.
Learn more about National Life Group
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