Group Life Claims Officer

About the role

The Group Life Claims Officer is responsible for the timely and accurate assessment, processing and administration of Group Life claims. The role ensures 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, validate supporting documents and escalate suspected fraud or irregularities.
• Manage recoveries from reinsurers and co-insurers and monitor recovery settlements.
• Prepare and analyse claims reports, including outstanding claims, paid claims, recoveries, claim ratios and trend analyses.
• Provide claims experience data and insights to support underwriting, pricing and scheme renewals.
• Liaise with customers, beneficiaries, brokers, reinsurers, co-insurers and internal teams on claim matters.
• Maintain accurate claims records and ensure compliance with policies, internal controls, service standards and regulations.
• Drive continuous improvement by identifying process gaps, supporting audits, implementing corrective actions and improving claims service delivery.

Required profile

• 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.
• 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.

Required skills

• Claims management and data collection/entry (proficiency in MS Excel).
• Customer negotiation and problem-solving.
• Report analysis and presentation.
• Stakeholder and relationship management.
• Critical thinking, sound judgement, problem-solving, multitasking and prioritisation.
• Ability to work under pressure and meet deadlines.