Group Life Claims Officer

Role Summary

• The Group Life Claims Officer is responsible for the timely and accurate assessment, processing, and administration of Group Life claims, ensuring completeness of documentation, adherence to policy terms and regulatory requirements, and effective resolution of claims-related enquiries.

Key Responsibilities

• Process and assess Group Life claims from registration to settlement within approved turnaround times.
• Review claim documentation and policy provisions to determine admissibility, benefit entitlement, settlement, or repudiation.
• Prepare claim payment memoranda and obtain the required management and Board approvals.
• Investigate claims and validate supporting documents, including escalation of suspected fraud or irregularities.
• Manage recoveries from reinsurers and co-insurers and monitor recovery settlements.
• Prepare and analyze claims reports, including outstanding claims, paid claims, recoveries, claim ratios, and trend analyses.
• Provide claims experience data and insights to support underwriting decisions, pricing, and scheme renewals.
• Manage stakeholder relationships by liaising with customers, beneficiaries, brokers, reinsurers, co-insurers, and internal teams on claim matters.
• Maintain accurate claims records and ensure compliance with company policies, internal controls, service standards, and regulatory requirements.
• Drive continuous improvement initiatives by identifying process gaps, supporting audits, implementing corrective actions, and enhancing claims service delivery.

Requirements
Qualifications

• Bachelor’s degree or HND in Insurance, Actuarial Science, Finance, Business Administration, Economics or a related discipline.
• Relevant professional insurance certification is an added advantage.

Experience

• 3-5 years or more of relevant experience in life insurance claims, preferably with practical exposure to Group Life claims, investigations, recoveries and claims reporting.

Competencies

• Claims management
• Data collection/Entry (Proficiency MS Excel)
• Customer negotiation and problem-solving skills
• Report analysis and presentation
• Stakeholder and relationship management
• Critical thinking and sound judgement
• Problem-solving; multitasking and prioritisation
• Ability to work effectively under pressure and meet deadlines.