Medical Director (Remote)

*The internal Securian Financial job title for this position is Medical Sr. Consultant*

Position Summary

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 .  If you’re a physician who values teamwork, intellectual curiosity, and applying your expertise in new and impactful ways, we encourage you to apply.

Responsibilities include but are not limited to:

• Identify medical information relevant for claims and UW reviews, provide advanced medical knowledge and training for underwriters and claims examiners
• Provide decisions for UW and claims based on solid medical knowledge consistent with current guidelines, demonstrate ability to incorporate new medical knowledge into guideline updates and enhancements, includes 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 UW-related opportunities and trends, contribute to fair risk assessment initiatives
• Ability and enthusiasm for teaching 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
• Required Qualifications: 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
• Curiosity: The ideal candidate demonstrates intellectual curiosity and a commitment to continuous learning, 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.
• AI Engagement and Integration: The successful candidate possesses a 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 to create meaningful business value and maintain a competitive edge.

Preferred Skills:

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, knowledge, etc. This job may also be eligible for a performance-based incentive program. More information will be provided during the hiring process and can be discussed with a member of the Securian Financial Talent Acquisition team.

Be you. With us. At Securian Financial, we understand that attracting top talent means offering more than just a job – it means providing a rewarding and fulfilling career. As a valued member of our high-performing team, we want you to connect with your work, your relationships and your community. Enjoy our comprehensive range of benefits designed to enhance your professional growth, well-being and work-life balance, including the advantages listed here:

Paid time off:

We want you to take time off for what matters most to you. Our PTO program provides flexibility for associates to take meaningful time away from work to relax, recharge and spend time doing what’s important to them. And Securian Financial rewards associates for their service by providing additional PTO the longer you stay at Securian.

Leave programs: Securian’s flexible leave programs allow time off from work for parental leave, caregiver leave for family members, bereavement and military leave.

Holidays: Securian provides nine company paid holidays.

Company-funded pension plan and a 401(k) retirement plan: Share in the success of our company. Securian’s 401(k) company contribution is tied to our performance up to 10 percent of eligible earnings, with a target of 5 percent. The amount is based on company results compared to goals related to earnings, sales and service.

Health insurance: From the first day of employment, associates and their eligible family members – including spouses, domestic partners and children – are eligible for medical, dental and vision coverage.

Volunteer time: We know the importance of community. Through company-sponsored events, volunteer paid time off, a dollar-for-dollar matching gift program and more, we encourage you to support organizations important to you.

Associate Resource Groups: Build connections, be yourself and develop meaningful relationships at work through associate-led ARGs. Dedicated groups focus on a variety of interests and affinities, including:

• Environmental Health & Sustainability
• Mental Wellness and Disability
• Pride at Securian Financial
• Securian Young Professionals Network
• Securian Multicultural Network
• Securian Women and Allies Network
• Servicemember Associate Resource Group
• For more information regarding Securian’s benefits, please review our Benefits page .
• This information is not intended to explain all the provisions of coverage available under these plans. In all cases, the plan document dictates coverage and provisions.

Securian Financial Group, Inc. does not discriminate based on race, color, religion, national origin, sex, gender, gender identity, sexual orientation, age, marital or familial status, pregnancy, disability, genetic information, political affiliation, veteran status, status in regard to public assistance or any other protected status.

If you are a job seeker with a disability and require an accommodation to apply for one of our jobs, please contact us by email at Employment@Securian.com, by telephone 651-655-5522 (voice), or 711 (Relay/TTY).

Securian Financial is a drug-free workplace.

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