Which license type would an adjuster require to handle life insurance claims?

To handle life insurance claims, an adjuster would require a life adjuster license. This license is specifically designed for professionals who work with life insurance products, which have distinct regulations and requirements compared to other types of insurance like property or casualty.

Life insurance claims often involve intricate details regarding policy terms, beneficiary designations, and underwriting considerations unique to the life insurance industry. Therefore, having a specific license ensures that the adjuster is appropriately equipped with knowledge about these aspects, as well as the best practices for processing claims related to life benefits.

The other license types – casualty, property, and commercial adjusters – pertain to different sectors of insurance. Casualty adjusters deal with claims related to liability, property adjusters focus on damage claims regarding physical structures, and commercial adjusters handle business-related insurance claims. Each of these areas requires specialized training and knowledge that would not adequately prepare someone to manage the complexities of life insurance claims. Thus, the life adjuster license is the most appropriate and necessary credential for handling such claims.