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State Licensed Medical Consultant

Location: Remote
Compensation: Salary
Reviewed: Fri, Sep 18, 2026
This job expires in: 30 days

Job Summary

Providing expert consultation on complex underwriting cases, the full-time remote State Licensed Medical Consultant will evaluate medical risks, review physician statements and diagnostic results, and lead educational initiatives to enhance underwriting practices across the organization.

Key responsibilities
  • Evaluate complex individual life insurance underwriting and disability claims referrals to support accurate risk assessment decisions
  • Review and interpret medical records, laboratory results, and diagnostic studies to identify mortality and morbidity risks
  • Lead the development and enhancement of underwriting medical manuals and guidelines to align with current medical evidence
Required qualifications
  • Bachelor of Science in Nursing
  • Active licenses as RN, NP, APRN, or PA
  • 7+ years of clinical healthcare experience in a medical, nursing, or advanced practice setting
  • 7+ years of experience in reviewing and interpreting medical records and diagnostic testing
  • 1+ year experience interpreting EKG/ECG findings in a clinical or insurance medical setting

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