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Charlotte, North Carolina, United States · On-site
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Charlotte, North Carolina, United States · On-site
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Review and process contestable and non-contestable death and living claims for annuity contracts and life insurance policies. Ensure accurate, timely, and compliant processing while providing exceptional service to customers and internal partners.
Requires 0 to 5+ years of experience depending on the level, with a strong focus on analytical skills and attention to detail. A bachelor's degree or an equivalent combination of education and experience is required.
Providing for loved ones, planning rewarding retirements, saving enough for whatever lies ahead – our policyholders count on us to be there when it matters most. It’s a big ask, but it’s one that we have the power to deliver when we work together. We collaborate and innovate – pushing one another to transform not just Pacific Life, but the entire industry for the better.
We’re actively seeking a talented Operations Claims professional to join our Operations Claims processing team within the Consumer Markets Division (CMD) in Omaha, NE or Charlotte, NC. This role follows a hybrid schedule of one day a week in office.
As part of the Claims processing team, you’ll move Pacific Life, and your career, forward by ensuring accurate, timely, and compliant processing of insurance claims while delivering exceptional service to customers and internal partners. You will review and process contestable and non-contestable death and living claims on both annuity contracts and life insurance policies.
This position may be filled at the Operations Claims Associate, Operations Claims Specialist, Sr. Operations Claims Specialist, or Sr. Operations Claims Analyst level based on experience and business needs, and we are open to hiring across all levels.
Review claims against contract and policy provisions to ensure accuracy and appropriate resolution
Process transactions accurately with complete documentation and payment validation
Identify and document outstanding requirements and required next steps
Maintain clear and detailed claim notes for continuity of service
Ensure adherence to regulatory, compliance, and procedural standards
Respond to customer and internal partner inquiries via phone and email
Communicate clearly, professionally, and with empathy, especially in sensitive claim situations
Research and resolve claim-related inquiries within service level expectations
Escalate complex or high-risk issues appropriately
Balance accuracy, efficiency, and risk mitigation in claims decisions
Identify and report errors, process gaps, and improvement opportunities
Follow established procedures, job aids, and knowledge resources
Support workload balancing and queue management priorities
Partner with peers, leadership, and cross-functional teams to resolve issues
Support team workflow needs and participates in functional rotations
Contribute to a professional, collaborative team environment
Provide mentoring, coaching, and peer training
Conduct quality reviews and identify trends
Support process improvements, documentation updates, and project initiatives
Serve as a subject matter expert for complex or escalated claims
Operations Claims Associate: 0–2 years of operations or insurance-related experience
Operations Claims Specialist: 2–3+ years of claims processing experience with demonstrated proficiency
Sr. Operations Claims Specialist: 3+ years of advanced claims experience, including complex or contestable claims
Sr. Operations Claims Analyst: 5+ years of experience with expertise in complex or contestable claims
Strong analytical, critical thinking, and problem-solving skills
High attention to detail with ability to manage multiple priorities
Ability to balance accuracy and efficiency in a fast-paced environment
Strong written and verbal communication skills, including handling sensitive situations with empathy
Ability to work both independently and collaboratively
Experience with life insurance and/or annuity claims
Experience handling contestable claims or investigations
Experience with training, mentoring, or coaching
Bachelor’s degree or equivalent combination of education and experience
Compensation will vary depending on level, experience, and qualifications, and location.
Entry-level role focused on developing foundational claims knowledge and skills
Omaha Compensation: $24 - $26/hr.
Charlotte Compensation: $25 - $27/hr.
Independently performs advanced claims transactions and meets performance expectations
Omaha Compensation: $26 - $28/hr.
Charlotte Compensation: $27 - $29/hr.
Handles complex or contestable claims and contributes to training, quality, and process improvement efforts
Omaha Compensation: $32 - $34
Charlotte Compensation: $33 - $36
Serves as subject matter expert and leads complex investigations and cross-functional initiatives
Omaha Compensation: $39 - $41
Charlotte Compensation: $41 - $43
#LI-RB1
The base pay range noted represents the company’s good faith minimum and maximum range for this role at the time of posting. The actual compensation offered to a candidate will be dependent upon several factors, including but not limited to experience, qualifications and geographic location. Also, most employees are eligible for additional incentive pay.
Your Benefits Start Day 1
Your wellbeing is important to Pacific Life, and we’re committed to providing you with flexible benefits that you can tailor to meet your needs. Whether you are focusing on your physical, financial, emotional, or social wellbeing, we’ve got you covered.
Prioritization of your health and well-being including Medical, Dental, Vision, and Wellbeing Reimbursement Account that can be used on yourself or your eligible dependents
Generous paid time off options including: Paid Time Off, Holiday Schedules, and Financial Planning Time Off
Paid Parental Leave as well as an Adoption Assistance Program
Competitive 401k savings plan with company match and an additional contribution regardless of participation
You Can Be Who You Are
We are committed to a culture of diversity and inclusion that embraces the authenticity of all employees, partners and communities. We support all employees to thrive and achieve their fullest potential.
What’s life like at Pacific Life? Visit Instagram.com/lifeatpacificlife
Pacific Life Insurance Company is an Equal Opportunity /Affirmative Action Employer, M/F/D/V. If you are a qualified individual with a disability or a disabled veteran, you have the right to request an accommodation if you are unable or limited in your ability to use or access our career center as a result of your disability. To request an accommodation, contact a Human Resources Representative at Pacific Life Insurance Company.
Pacific Life provides a variety of products and services designed to help individuals and businesses in the retail, institutional, workforce benefits, and reinsurance markets achieve financial security. Whether your goal is to protect loved ones or grow your assets for retirement, Pacific Life offers innovative life insurance and annuity solutions, as well as mutual funds, that provide value and financial security for current and future generations. Supporting our policyholders for nearly 160 years, Pacific Life is a Fortune 500 company headquartered in Newport Beach, California. For additional company information, including current financial strength ratings, visit www.PacificLife.com. Please review our social media guidelines: paclife.co/social
Offices: 700 Newport Center Drive, Newport Beach, CA 92660, US · 6750 Mercy Road, Omaha, NE 68106, US · 45 Enterprise Drive, Aliso Viejo, CA 92656, US
