(US) - Medical Doctor

Physician – Medical Underwriting (Remote, Part-Time Contract)

Location: Fully remote – anywhere in the US (no time zone requirement)
Schedule: Part-time, flexible – about 5–15 hours per week, based on assigned cases
Coverage: Typically one week on, one week off, shared with another physician

Overview

Physician needed to review medical records and determine life expectancy for annuity pricing. This is a non-clinical role: no bedside care and no patient meetings. Work is case-based; you sign in as cases are assigned. Candidates with less experience will be considered at a lower rate.

Responsibilities

• Medical underwriting (day-to-day, as assigned): Review medical records on injured claimants and apply professional judgment, the company's medical underwriting manual and guidelines, and published research to assign mortality debits used in annuity pricing.
• Underwrite complex formal applications and take final action independently within approval authority guidelines.
• Peer review (quarterly): Take part in group case discussions, document differences in medical judgment, and recommend adjustments to underwriting policies and procedures.
• Medical research (as needed): Research specific impairments, injuries or conditions to help refine underwriting policies.
• Sold case audits (monthly): Review a sample of sold cases to confirm evaluations are consistent with cases that did not result in a sale.
• Medical consultation: Advise other medical underwriters on specific cases, injuries and impairments.

Qualifications

• Physician (MD/DO)
• Able to work independently and make final decisions within guidelines