Disability Insurance Case Manager, Highland Capital Brokerage
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JOB TITLE:
RELATIONSHIP CASE MANAGER - LEVEL 1 REPORTS TO:
VP, NEW BUSINESS DEPARTMENT:
New Business POSITION TYPE:
Remote POSITION
Summary:
Responsible for the case management of life, LTC and DI applications submitted to the Life New Business Team.
The team member will be responsible for facilitating timely, accurate and relevant communications.
They will serve as a liaison between Agents/FA's, institutional partners, vendors, Highland Capital VP (VP's), and Life Insurance carriers on both formal and informal business.
This position requires the analytical ability to successfully combine medical, financial, reinsurance and general life insurance expertise.
The mechanics of managing the business include reviewing applications for accuracy and completeness, ordering and managing requirements through policy issue, and managing requirements for placement.
POSITION
Responsibilities:
Key areas of responsibility - Include, but are not limited to the following:
APPLICATION PROCESSING:
Review Life Applications for completeness and notify Agents/FA's and VP's of missing forms or information needed Verify that telephone/personal history interviews and inspection reports (where needed) have been ordered Review exam and non-medical requirements included with the application in order to determine if risk class applied for is appropriate using Highland tools such as Healthy Analyzer Have an understanding of the financial underwriting, i.
e.
purpose of coverage, justifying amount applied for in relation to income, financial/insurable interest, affordability etc.
Order medical records using carrier field underwriting guides based on available information Responsible for ongoing APS follow-up with approved vendors or doctor's office directly and managing expectations for all parties Reconcile outstanding pending requirements and requests for additional information with Agents, Sales VP and others to set proper expectations, timelines, etc.
Order illustrations as needed.
Work with our Sales Support team as needed to ensure accuracy of the illustration in conjunction with the signed Application received.
Verify riders applied for and if 1035X involved which may necessitate the need for additional requirements Prepare transmittal or cover letter to send both formal and informal applications to carrier(s) Use Paperclip for submitting and storing electronic files Respond to requests for applications as needed Familiar with Referral Model institutional accounts MONITORING AND COMMUNICATION:
Maintain correspondence with carriers and vendors by telephone, fax, memo or email Notify Agents/FA's and VP's, of status throughout the process and bring in New Business Management for escalations Form Relationships with carrier underwriters and be the face of HCB on behalf of the FA/Agent's and VP's.
Rely on internal underwriters to help negotiate with life insurance carriers on Informal and Formal offers as needed based on impairment Ability to negotiate carrier offers where appropriate to ensure that optimal underwriting class is being received.
Ability to explain and sell the competitive offer when approved other than applied for Facilitating cases by deciphering the science and make the risk objective more understandable.
Work with internal underwriting resources as needed so as to properly position cases.
Shop cases with various carriers to offer alternative solutions if approved other than applied for Evaluate underwriting evidence and provide guidance on cases approved other than applied for.
Utilize data management systems per Highland Capital protocol to document and ensure accurate reporting POSITION REQUIREMENTS:
Education:
Minimum requirement is an Associates college degree Industry designations (e.
g.
FLMI, ALU, CLU, ChFC, CFP, etc.
) are a plus
Experience:
Minimum requirement is three years Life Insurance New Business, General Agency or Life Insurance company experience Prior knowledge of medical and/or financial underwriting terminology is a plus Ability to Multi-Task Possess time management and organizational skills Technical Skills:
Proficient with Microsoft Word, Excel, Outlook, and ability to work effectively within multiple web browsers and learn new technology as needed Utilize web-based agency management system to track case activity, or preferably hands on experience with iPipeline suite of products including Agency Integrator Utilize web-based document management system to organize, manage and securely transmit applications and all case related documents to our carrier partners using Paper Clip Utilize data management systems per Highland Capital protocols to ensure accurate reporting Business writing skills Intermediate level Soft Skills:
Good communication skills - written and verbal Strong sense of customer service Able to work pro-actively for best results Strong sense of accountability and follow-up Able to work well with others as team Able to work in a fast-paced environment and to adapt to change Able to work efficiently in a virtual team environment Ability to multi-task effectively Concentration despite interruption Detail oriented High degree of confidentiality Current Employees and Contractors Apply Here Recommended Skills Adaptability Analytical Attention To Detail Business Correspondence Business Management Case Management Estimated Salary: $20 to $28 per hour based on qualifications.
We're a billion-dollar business with the mentality and drive of a startup.
Join us in building something special.
JOB TITLE:
RELATIONSHIP CASE MANAGER - LEVEL 1 REPORTS TO:
VP, NEW BUSINESS DEPARTMENT:
New Business POSITION TYPE:
Remote POSITION
Summary:
Responsible for the case management of life, LTC and DI applications submitted to the Life New Business Team.
The team member will be responsible for facilitating timely, accurate and relevant communications.
They will serve as a liaison between Agents/FA's, institutional partners, vendors, Highland Capital VP (VP's), and Life Insurance carriers on both formal and informal business.
This position requires the analytical ability to successfully combine medical, financial, reinsurance and general life insurance expertise.
The mechanics of managing the business include reviewing applications for accuracy and completeness, ordering and managing requirements through policy issue, and managing requirements for placement.
POSITION
Responsibilities:
Key areas of responsibility - Include, but are not limited to the following:
APPLICATION PROCESSING:
Review Life Applications for completeness and notify Agents/FA's and VP's of missing forms or information needed Verify that telephone/personal history interviews and inspection reports (where needed) have been ordered Review exam and non-medical requirements included with the application in order to determine if risk class applied for is appropriate using Highland tools such as Healthy Analyzer Have an understanding of the financial underwriting, i.
e.
purpose of coverage, justifying amount applied for in relation to income, financial/insurable interest, affordability etc.
Order medical records using carrier field underwriting guides based on available information Responsible for ongoing APS follow-up with approved vendors or doctor's office directly and managing expectations for all parties Reconcile outstanding pending requirements and requests for additional information with Agents, Sales VP and others to set proper expectations, timelines, etc.
Order illustrations as needed.
Work with our Sales Support team as needed to ensure accuracy of the illustration in conjunction with the signed Application received.
Verify riders applied for and if 1035X involved which may necessitate the need for additional requirements Prepare transmittal or cover letter to send both formal and informal applications to carrier(s) Use Paperclip for submitting and storing electronic files Respond to requests for applications as needed Familiar with Referral Model institutional accounts MONITORING AND COMMUNICATION:
Maintain correspondence with carriers and vendors by telephone, fax, memo or email Notify Agents/FA's and VP's, of status throughout the process and bring in New Business Management for escalations Form Relationships with carrier underwriters and be the face of HCB on behalf of the FA/Agent's and VP's.
Rely on internal underwriters to help negotiate with life insurance carriers on Informal and Formal offers as needed based on impairment Ability to negotiate carrier offers where appropriate to ensure that optimal underwriting class is being received.
Ability to explain and sell the competitive offer when approved other than applied for Facilitating cases by deciphering the science and make the risk objective more understandable.
Work with internal underwriting resources as needed so as to properly position cases.
Shop cases with various carriers to offer alternative solutions if approved other than applied for Evaluate underwriting evidence and provide guidance on cases approved other than applied for.
Utilize data management systems per Highland Capital protocol to document and ensure accurate reporting POSITION REQUIREMENTS:
Education:
Minimum requirement is an Associates college degree Industry designations (e.
g.
FLMI, ALU, CLU, ChFC, CFP, etc.
) are a plus
Experience:
Minimum requirement is three years Life Insurance New Business, General Agency or Life Insurance company experience Prior knowledge of medical and/or financial underwriting terminology is a plus Ability to Multi-Task Possess time management and organizational skills Technical Skills:
Proficient with Microsoft Word, Excel, Outlook, and ability to work effectively within multiple web browsers and learn new technology as needed Utilize web-based agency management system to track case activity, or preferably hands on experience with iPipeline suite of products including Agency Integrator Utilize web-based document management system to organize, manage and securely transmit applications and all case related documents to our carrier partners using Paper Clip Utilize data management systems per Highland Capital protocols to ensure accurate reporting Business writing skills Intermediate level Soft Skills:
Good communication skills - written and verbal Strong sense of customer service Able to work pro-actively for best results Strong sense of accountability and follow-up Able to work well with others as team Able to work in a fast-paced environment and to adapt to change Able to work efficiently in a virtual team environment Ability to multi-task effectively Concentration despite interruption Detail oriented High degree of confidentiality Current Employees and Contractors Apply Here Recommended Skills Adaptability Analytical Attention To Detail Business Correspondence Business Management Case Management Estimated Salary: $20 to $28 per hour based on qualifications.
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