Fidelity Life Association

Who We Are Fidelity Life has been protecting middle-market families since 1896 and continues to lead the industry through innovation, patented products, and data-driven underwriting. We were among the first life insurers to use predictive analytics to dramatically speed policy issuance while maintaining strong risk management and compliance standards. In partnership with eFinancial, a digital and call-center-based insurance agency, we serve thousands of consumers daily through proprietary technology and licensed agents. Together, as part of iA Financial Group, we are making life insurance more accessible, affordable, and customer-focused. About Fidelity Life & eFinancial Fidelity Life is a leading provider of financial security for middle-market consumers. With a history of innovation dating back to 1896, the company continues to redefine the life insurance industry through patented products and processes. Fidelity Life pioneered the use of predictive analytics to streamline the new business process, significantly accelerating the speed at which policies are issued. In partnership with Fidelity Life, eFinancial is a digital and call-center-based insurance agency with a proven direct-to-consumer life insurance model. Using a proprietary, patented sales technology platform, eFinancial’s licensed agents help thousands of consumers each day with their unique life insurance needs, often in a single phone call. The company has also expanded to offer a fully digital purchase experience to meet evolving customer preferences. Together, Fidelity Life and eFinancial are part of iA Financial Group and are transforming the life insurance industry to make protection more accessible and affordable for everyday Americans. With integrated marketing, product development, and controlled distribution, we are uniquely positioned for continued growth. Job Summary The Senior Claims Examiner works in conjunction with Fidelity Life’s third-party administrator and the Claims Manager to analyze, evaluate, and settle incontestable life, contestable life and accidental death benefit (ADB) claims.   The Senior Claims Examiner is expected to review and adjudicate claims in accordance with established departmental and statutory guidelines. Key Responsibilities: Communicate effectively and respectfully with customers, attorneys, and co-workers via phone, e-mail, online chat, and in person. Review newly reported claims and log them on the pending claims log. Document each claim file thoroughly in accordance with departmental procedures, including notes on claim review, information obtained, and final decisions. Review and interpret insurance policy provisions to ensure accurate and timely claim decisions. Review any adverse decisions, and decisions outside authority limit, with the Claims Manager. Consult with the Legal Department as needed. On claims within the Senior Claims Examiner’s authority limit (500,000), confirm benefits and statutory interest are calculated correctly. Respond to inquiries from customers and attorneys regarding claim matters, consulting with the Claim Director and/or Legal Department as needed. Work with Fidelity Life’s Underwriting Department on contestable claim referrals and other complex claims as needed. Handle and log specific State and NAIC policy locator searches. Mentor and support third-party claims administration staff. Monitor trends in claims experience, escalate issues to management, and recommend or implement corrective actions. Keep management abreast of any trends in claims experience, unfavorable or otherwise. Work on special projects and other duties as assigned by the Claims Manager. Perform quarterly claim audits focusing on third-party claim handling. Assist FLA Sarbanes-Oxley audit team, internal audit team, external reinsurance representatives and external state regulators with claim audits or market conduct exams. Handle Department of Insurance claim complaints or requests in a timely and professional manner. Stay current on all laws, regulations, and industry updates that impact claim handling and compliance Support FLA actuarial or Finance teams in reserve setting, claims trend analyses or other requests. Participate in continuous improvement initiatives and suggest proactive changes to operations based on data-driven insights Help track and analyze claim durations, denial rates, appeal outcomes, and financial impact Support M&A activity, if applicable Qualifications: Flexibility and willingness to adapt to changing responsibilities. Excellent written communication, interpersonal and verbal skills. Ability to perform basic mathematical calculations including addition, subtraction, multiplication, division and percentages. Proactive and outside-the-box thinker. Independent and organized work style. Ability to maintain strong performance while working remotely and independently, if applicable. Strong judgment and discretion when handling highly confidential business, employee, and customer information. Team player and creative, critical thinker highly desired. Licenses + Certifications: Completion of LOMA courses and/or courses offered by the ICA Claims Education program is preferred but not required. Legal or Paralegal Certifications optional but useful Essential Functions: This position primarily involves remote desk work, requiring the ability to remain in a stationary position (e.g., sitting at a computer) for extended periods of time. Regular use of standard office equipment such as a computer, keyboard, mouse, and video conferencing tools is essential. Must be able to communicate effectively in both virtual and in-person settings, including the ability to participate in video calls, phone calls, and written correspondence. Occasional travel (estimated at 1–3 times per year) is required for in-person meetings, conferences, or vendor visits. Travel may involve transportation by air, train, or car, and may require overnight stays. When traveling or attending events, the employee may need to navigate various environments, including office buildings, hotels, or convention centers. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this role. Our Culture We combine the stability of a long-standing insurer with the mindset of a modern, technology-driven organization. Our teams value integrity, thoughtful decision-making, collaboration, and continuous improvement. Employees are trusted to work independently while staying connected through strong cross-functional partnerships. Compensation & Benefits: We believe in taking care of our employees and their families. We offer a comprehensive benefits package designed to support your health, well-being, and financial future. Here’s a look at what we provide: Salary Range: $70,720 - $91,520 Medical Insurance: Choose from a variety of plans to fit your healthcare needs. Dental Insurance: Coverage for preventive, basic, and major dental services. Employer-Paid Vision : Comprehensive eye care coverage at no cost to you. Employer-Paid Basic Life and AD&D Insurance: Peace of mind and additional protection. Employer-Paid Short-Term and Long-Term Disability Insurance: Financial support in case of illness or injury. 401(k) Plan: Save for your future with a company match to help you grow your retirement savings. PTO and Sick Time accrue each pay period: Take time off when you need it Annual Bonus Program: Performance-based bonus to reward your hard work. EEOC/Other: eFinancial/Fidelity Life Association is an equal opportunity employer and supports a diverse workplace.  As an eFinancial/Fidelity Life employee, you will be eligible for Medical and Dental Insurance, Health Savings Accounts, Flexible Spending Accounts (Health, Dependent Care & Transit), Vision Care, 401(K), Short-term and Long-term Disability, Life and AD&D coverages. Remote work is not available in the following States: California, Colorado, Connecticut, and New York. #FidelityLifeAssociation #hiring #LI-Remote #IND-Corporate Equal Opportunity Employer This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

Business Development Representative (No Cold Calling | Remote in AZ, IL, TX) Sales | Full-time | Remote within Arizona, Illinois, or Texas Join our dynamic and rapidly expanding team as a Business Development Representative! If you're enthusiastic, driven, and value a rewarding career that makes a meaningful impact, all while being part of a winning team, this could be the perfect fit for you. Who we are: Since 1896, Fidelity Life has been redefining the life insurance industry by applying new technologies and processes to make it easier, faster, and more affordable for today’s families to get the coverage they need. Our long track record of innovation, revolution, and leadership includes: One of the first groups to sell life insurance policies to both women and men The first company to deploy technology to bring agent/client/underwriter together at point-of-sale (POS) Pioneered the use of predictive analytics to streamline the new business process and revolutionize the speed with which policies can be issued eFinancial, an online and call-center-based insurance agency with a proven direct-to-consumer life insurance model, was acquired by Fidelity Life in 2009. B y blending life insurance, sales, and technology, we have become a fast-growing organization offering exciting remote opportunities! Our growing organization wants people that can be a culture fit and a culture add. We value the diversity of thought and the inclusion of everyone that plays a part in our success. If you value putting people first, operating with excellence, being a passionate team player, and making a difference, consider joining our innovative, revolutionary, and leading team. In this role, you will connect with individuals using our advanced auto-dialing system. Your primary goal will be to provide individuals and families across the nation with peace of mind through the sale of eFinancial’s innovative life insurance products, delivering a seamless purchasing experience. Our team members are known for their result-driven approach, empathy, and commitment to ethical business practices. What Sets Us Apart: Career Growth: We offer more than just a job; we offer a pathway to a fulfilling career. Hyper-Growth Environment: Join us on our journey of rapid expansion. Comprehensive Training: We provide paid training to maximize your earning potential. Inbound Warm Leads: Enjoy the advantage of working with 100% inbound leads; no cold calling is required. Work-Life Balance: Achieve success within a 40-hour workweek for our high-earning team members. Diverse and Inclusive Culture: We embrace the uniqueness that every individual brings. Lucrative Earnings: In 2024, our average starting account executive earned over $107,000 . Uncapped Commission: Your earnings grow with the number of lives you positively impact. Great Benefits: We offer 401k, paid time off, paid holidays, and more. Flexibility: Embrace flexible work arrangements. Remote Work Stipend: Enjoy a $500 annual remote work stipend. Meaningful Impact: Play a role in improving the lives of everyday Americans. Qualities We Seek: Initiative: You're always seeking opportunities to excel. Growth-Driven: You're motivated by personal and professional development. Performance Focus: Thrive in a pay-for-performance environment. Collaborative: You value coaching and feedback for continuous improvement. Tech-Savvy: Comfortable working with technology. Customer-Centric: Passionate about delivering exceptional customer experiences. Communication Skills: Excellent verbal and written communication abilities. Team Player: A self-starting problem solver who collaborates effectively. Hustle Mentality: You bring a dynamic energy to your work. Compensation: Base pay of $15/hr with bonus and uncapped commission opportunities. Benefits: We believe in taking care of our employees and their families. We offer a comprehensive benefits package designed to support your health, well-being, and financial future. Here’s a look at what we provide: Medical Insurance: Choose from a variety of plans to fit your healthcare needs. Dental Insurance: Coverage for preventive, basic, and major dental services. Employer-Paid Vision : Comprehensive eye care coverage at no cost to you. Employer-Paid Basic Life and AD&D Insurance: Peace of mind and additional protection. Employer-Paid Short-Term and Long-Term Disability Insurance: Financial support in case of illness or injury. 401(k) Plan: Save for your future with a company match to help you grow your retirement savings. PTO and Sick Time accrue each pay period: Take time off when you need it Compensation: Base pay of $15/hr with bonus and uncapped commission opportunities. Equal Opportunity: Efinancial LLC and Fidelity Life Association are equal-opportunity employers. We value diversity and make employment decisions based on qualifications, without regard to race, color, religion, sex, sexual orientation, national origin, citizenship, gender identity, marital status, age, disability, or any other legally protected status.

Who we are: Fidelity Life is a leading provider of financial security for middle market consumers. With a history of innovation, the company is redefining the life insurance industry with patented products and processes. Fidelity Life pioneered the use of predictive analytics to streamline the new business process and revolutionize the speed that policies can be issued. Established in 1896, Fidelity Life enjoys a long track-record of success and continues to build its reputation of sound fiscal management and customer-focused innovation. In concert with Fidelity Life, eFinancial is an online and call-center-based insurance agency with a proven direct-to-consumer life insurance model. Using a proprietary and patented sales technology platform, eFinancial’s licensed agents help thousands of consumers each day with their unique life insurance needs – often with just a single phone call. To complement this channel, the company recently expanded to offer an entirely digital purchase experience. Fidelity Life and eFinancial are part of iA Financial Group and are revolutionizing the life insurance industry to make protection more accessible and affordable for everyday Americans. With integrated marketing, product manufacturing, and controlled distribution, the enterprise is uniquely positioned to grow. Key Responsibilities: Product Strategy Lead the vision, strategy, and execution for life insurance product development and improvement. Conduct market monitoring and competitive intelligence to identify opportunities, segments, and approaches for competitive advantage. Streamline and optimize the product portfolio across the company, eliminating redundancies and ensuring profitability. Develop and implement future product strategies aligned with corporate objectives and market trends. Collaborate with sales, distribution, marketing, and customer experience teams to ensure product offerings meet client needs and business growth targets. Oversee the deployment and management of new products, including digital strategies and change management initiatives. Underwriting Guidelines & Automation Define and maintain underwriting philosophy, guidelines, and risk tolerance and ensure consistency across business units. Lead initiatives to automate underwriting processes, leveraging advanced rules engines, AI-driven risk scoring, and predictive analytics. Ensure underwriting systems are integrated with digital platforms for seamless agent and client experiences. Monitor industry trends and regulatory changes to proactively update underwriting practices. Establish performance metrics and reporting frameworks for underwriting efficiency and accuracy. Ensure compliance with regulatory standards and internal audit requirements. Qualifications: Bachelor’s degree in Business, Finance, Actuarial Science, Marketing, or related field; FSA preferred. 12+ years of progressive experience in product development and underwriting, with at least 8 years in management or senior leadership roles. Proven track record in product strategy, competitive intelligence, and underwriting automation. Strong knowledge of life insurance products, regulatory requirements, and risk management principles. Exceptional leadership, communication, analytical, and strategic thinking skills. Compensation & Benefits: We believe in taking care of our employees and their families. We offer a comprehensive benefits package designed to support your health, well-being, and financial future. Here’s a look at what we provide: Salary Range: $250,000-$300,000 Medical Insurance: Choose from a variety of plans to fit your healthcare needs. Dental Insurance: Coverage for preventive, basic, and major dental services. Employer-Paid Vision: Comprehensive eye care coverage at no cost to you. Employer-Paid Basic Life and AD&D Insurance: Peace of mind and additional protection. Employer-Paid Short-Term and Long-Term Disability Insurance: Financial support in case of illness or injury. 401(k) Plan: Save for your future with a company match to help you grow your retirement savings. PTO and Sick Time accrue each pay period: Take time off when you need it Annual Bonus Program: Performance-based bonus to reward your hard work. EEOC/Other: eFinancial/Fidelity Life Association is an equal opportunity employer and supports a diverse workplace.  As an eFinancial/Fidelity Life employee, you will be eligible for Medical and Dental Insurance, Health Savings Accounts, Flexible Spending Accounts (Health, Dependent Care & Transit), Vision Care, 401(K), Short-term and Long-term Disability, Life and AD&D coverages. #FidelityLifeAssociation #hiring #LI-Remote #IND-Corporate Equal Opportunity Employer This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.