Job Description

Prudential’s purpose is to be partners for every life and protectors for every future. Our purpose encourages everything we do by creating a culture in which diversity is celebrated and inclusion assured, for our people, customers, and partners. We provide a platform for our people to do their best work and make an impact to the business, and we support our people’s career ambitions. We pledge to make Prudential a place where you can Connect, Grow, and Succeed.

Role Summary

The Group Life Claims Officer is responsible for the timely and accurate assessment, processing, and administration of Group Life claims, ensuring completeness of documentation, adherence to policy terms and regulatory requirements, and effective resolution of claims-related enquiries.

Key Responsibilities

• Process and assess Group Life claims from registration to settlement within approved turnaround times.
• Review claim documentation and policy provisions to determine admissibility, benefit entitlement, settlement, or repudiation.
• Prepare claim payment memoranda and obtain the required management and Board approvals.
• Investigate claims and validate supporting documents, including escalation of suspected fraud or irregularities.
• Manage recoveries from reinsurers and co-insurers and monitor recovery settlements.
• Prepare and analyze claims reports, including outstanding claims, paid claims, recoveries, claim ratios, and trend analyses.
• Provide claims experience data and insights to support underwriting decisions, pricing, and scheme renewals.
• Manage stakeholder relationships by liaising with customers, beneficiaries, brokers, reinsurers, co-insurers, and internal teams on claim matters.
• Maintain accurate claims records and ensure compliance with company policies, internal controls, service standards, and regulatory requirements.
• Drive continuous improvement initiatives by identifying process gaps, supporting audits, implementing corrective actions, and enhancing claims service delivery.

Requirements:

Qualifications

• Bachelor’s degree or HND in Insurance, Actuarial Science, Finance, Business Administration, Economics or a related discipline.
• Relevant professional insurance certification is an added advantage.

Experience

• 3-5 years or more of relevant experience in life insurance claims, preferably with practical exposure to Group Life claims, investigations, recoveries and claims reporting.

Competencies

• Claims management
• Data collection/Entry (Proficiency MS Excel)
• Customer negotiation and problem-solving skills
• Report analysis and presentation
• Stakeholder and relationship management
• Critical thinking and sound judgement
• Problem-solving; multitasking and prioritisation
• Ability to work effectively under pressure and meet deadlines.

Prudential is an equal opportunity employer. We provide equality of opportunity of benefits for all who apply and who perform work for our organisation irrespective of sex, race, age, ethnic origin, educational, social and cultural background, marital status, pregnancy and maternity, religion or belief, disability or part-time / fixed-term work, or any other status protected by applicable law. We encourage the same standards from our recruitment and third-party suppliers taking into account the context of grade, job and location. We also allow for reasonable adjustments to support people with individual physical or mental health requirements.