Claims Analyst

iA American•Waco, TX

1d•Hybrid

About The Position

As a Claims Analyst, you will play a key role in ensuring accurate, timely processing of life, disability, and waiver of premium claims while supporting policyholders, agents, and funeral homes with empathy, clarity, and professionalism. This position is a great opportunity to showcase your analytical skills and fully realize your potential within a caring and trustworthy company. Here, people and their development are at the heart of our priorities, fostering an environment that encourages collaboration and innovation.

Requirements

2 years of claims experience (life claims experience preferred but not required)
Beginner, intermediate, or advanced English proficiency, as the role involves communicating with policyholders, agents, funeral homes, and internal business partners on a daily basis.
Applicants must be authorized to work for any employer in the U.S. We are unable to support or take over sponsorship of employment visas at this time, including H-1B visas and participation in STEM OPT work authorizations.

Nice To Haves

Attention to detail and high accuracy
Research, analytical, and problem‑solving skills
Strong written and verbal communication abilities
Ability to stay organized and manage multiple tasks under pressure

Responsibilities

Process and pay claims within established guidelines, including verifying in‑force coverage and calculating death benefits, interest, dividends, premium variances, and fund interest.
Prepare letters, update claims systems, and ensure claims are ready for processing.
Conduct research on beneficiaries, physician and medical records, legal documents, and other data required to make accurate claims decisions.
Process paid incontestable claims, complete related correspondence, perform accounting tasks, and maintain files.
Approve claims up to $20,000 during the probationary period, with eligibility for higher approval limits based on performance.
File and process reinsurance when applicable.
Prepare and mail IRS Form 712 and maintain year‑end tax reporting data.
Monitor suspense accounts and maintain accurate documentation.
Cross‑train with other Claims Analysts to provide departmental support as needed.
Communicate with customers via inbound/outbound calls, email, written correspondence, and fax to ensure successful claim resolution.
Maintain detailed records of customer interactions, including inquiries, complaints, and actions taken.
Maintain familiarity with company products and policies and know where to obtain assistance for complex inquiries.
Participate in special projects and assist with overflow work across Claims functions.
Conduct all business in compliance with applicable laws, regulations, and contractual obligations, upholding ethical behavior and the Compliance Program.