The role of a life insurance adjuster begins from the time an individual files a claim. It is the adjusters’ brains that work when planning for and processing a claim. They have the power to decide what to do with a certain policy claim and how to go about it.

After an individual makes a policy claim, the process is undertaken by an adjuster. The claimant and witnesses may be interviewed along with the hospital records, police records and examining the property damage in order to make an estimate on the amount of the company’s liability. Other professionals like architects, engineers, physicians, lawyers, accountants and construction workers may also be consulted for more detailed opinion on the claim.

The life insurance adjusters gather information through photographs, statements and video tape (written/audio). After the claim is evaluated and made legitimate, the adjuster negotiates the deal with the claimant and finally settles the amount to be reimbursed. It is the responsibility of the adjuster to defend the position of the insurance company once the claim is filed by the insured.

Sometimes, there is a centralized claim center for companies. These centers are like bodily injury is passed on to senior adjusters. In some cases an individual may not take the help of the insurance company’s adjuster but hire a public adjuster. These adjusters are meant to help the claimant in settling his claim for a fee. The advantage of hiring such an adjuster is that they work for the interest of the client instead of the company.

Author's Bio: 

Alec Morgan has been a part of the insurance industry for the past several years. He has also written various insurance articles and is now a contributing writer for This site is an attempt to help budding insurance professionals with the required information regarding different insurance processes.