Medical Director (Remote)

About the Role

At Securian Financial, we are redefining the intersection of medicine and financial risk. We’re seeking a licensed physician (MD or DO) who is excited to apply clinical expertise in a dynamic, collaborative business environment. In this role, you will integrate evidence-based medical knowledge with insurance principles to assess mortality and morbidity risk, influence underwriting decisions, evaluate claims, and shape forward-looking risk management strategies. This is a unique opportunity to broaden your impact beyond clinical practice—partnering closely with underwriting, legal, and claims professionals to ensure fair, thoughtful, and well-informed decisions that serve our customers and business alike.

Securian supports flexibility, offering this role at 0.8–1.0 FTE (32–40 hours/week). The position is fully remote, with travel to our St. Paul, MN home office at least twice annually.

Responsibilities

• Identify medical information relevant for claims and underwriting reviews, provide advanced medical knowledge and training for underwriters and claims examiners.
• Provide decisions for underwriting and claims based on solid medical knowledge consistent with current guidelines; demonstrate ability to incorporate new medical knowledge into guideline updates and enhancements, including advanced proficiency in ECG interpretation.
• Keep current with general medical literature; develop subjects of special interest.
• Identify relevant medical topics, medical advances, and emerging risks; provide concise, relevant updates for stakeholders.
• Continue to develop business acumen; be proactive in identifying medical and underwriting-related opportunities and trends; contribute to fair risk assessment initiatives.
• Teach underwriters on medical topics and engage with them through case discussions.
• Be visibly involved in the insurance medicine community and complete AAIM Diplomate Board of Insurance Medicine (DBIM) certification.

Requirements

• MD or DO with 5+ years clinical experience.
• Proven ability to communicate clearly, respectfully, and effectively across disciplines, including with underwriting, legal, and business teams.
• Demonstrated ability to work collaboratively in a team-based environment, valuing diverse expertise and perspectives while maintaining professionalism and mutual respect.

Preferred Qualifications

• 5+ years experience in insurance medicine, Board of Insurance Medicine candidate and/or working towards DBIM.
• Experience with life insurance.
• Intellectual curiosity: consistently seeking innovative solutions and challenging conventional approaches to drive organizational growth; demonstrated ability to approach complex problems with an inquisitive mindset and a genuine desire to explore emerging trends within the life insurance industry.
• Forward-thinking approach to artificial intelligence, with proven experience leveraging AI tools and technologies to enhance operational efficiency and strategic decision-making; ability to actively champion the responsible integration of AI capabilities across teams and workflows.

Pay

The estimated base pay range for this job is $211,000 - $287,000. Pay may vary depending on job-related factors and individual experience, skills, and knowledge. This job may also be eligible for a performance-based incentive program.

Benefits

• Paid Time Off: Flexible PTO program that rewards associates for their service with additional PTO the longer they stay at Securian.
• Leave programs: Parental leave, caregiver leave for family members, bereavement, and military leave.
• Holidays: Nine company-paid holidays.
• Retirement plans: Company-funded pension plan and a 401(k) retirement plan with a company contribution tied to performance (up to 10% of eligible earnings, with a target of 5%).
• Health insurance: Medical, dental, and vision coverage for associates and their eligible family members from the first day of employment.
• Volunteer time: Volunteer paid time off, dollar-for-dollar matching gift program, and company-sponsored events.
• Associate Resource Groups: Dedicated groups focusing on a variety of interests and affinities, including:
  • Mental Wellness and Disability
  • Pride at Securian Financial
  • Securian Young Professionals Network
  • Securian Multicultural Network
  • Securian Women and Allies Network
  • Servicemember Associate Resource Group