Insurance
Resume examples

Promoted Allstate Insurance products and services in all endeavors by utilizing up-selling and innovative sales strategies. Advised clients on various asset protection insurance coverage options and utilizes an expert consultative selling approach with clients; known as a trusted advisor. Collaborates with external partners and the local community for referrals. Serves as a liaison between the agency and community to promote insurance products and services. Provides training to new hires on all products, services, sales, and computer systems.

• Awarded outstanding sales award by Allstate Life insurance and earned Sales Championship Commitment to Excellence.
• Optimized profitability by continually training, motivating, and mentoring sales associates during business strategies and decision-making processes.
• Facilitated an inclusive environment that encourages professional growth; Ensured all sales representatives complete sales and service education training; Increased participation rate by 30%.
• Recognized by managers as a self-motivated professional who consistently delivers outstanding results through problem-solving, communications, and interpersonal strengths.

Examined coverage and liability of various claimants and evaluated all evidence with the goal of creating positive conclusions.

• Investigated first-party property and injury claims and provided written estimates using Xactimate.
• Ensured prompt and accurate delivery of claims documents according to policy period and organization’s budget guidelines.
• Prepared damages appraisal by interviewing parties and witnesses and conducted claims evaluation supported with relevant photos and diagrams.
• Maintained claims resolution documents accuracy standards up to the mark, and consistently met high quality, completeness, and auditing metrics.
• Conducted in-person interviews with claimants leveraging problem-solving and strategic thinking approaches to expedite claim resolution.

Supervised administrative team in generating payrolls, conducted accounts settlements, and directed overall operations in the organization.

• Tracked all account receivable and payables that were pending and increased receivable turnover.
• Developed financial statements based on financial data and managed database to evaluate performance.
• Prepared compliance documents at the end of each project for auditors and internal record.
• Directed the organization through multiple complex audits.
• Evaluated every contract assigned for conformity and delivered all documents within required timeframe.
• Implemented strategic cost-cutting procedures, which resulted in significant cost savings for the organization and reduced cost to 20%.
• Liaised effectively between various stakeholders including management, clients, and attorneys.

Managed complex claims litigation, service standards, reporting procedures, statutory compliance, and efficient operation for 6 upper midwestern regions while serving as an expert on all issues related to severe commercial general liability claims and automobile claims including commercial equipment and toys(boat, motorcycle, RV). Built high-performing teams through hiring mentoring, and coaching while overseeing claims teams ranging from 8-10 employees. Provided strategic direction and leadership to the Nationwide Blue Ribbon glass program.

• Investigated, evaluated, and negotiated severe and complex claims and litigation to a successful resolution ensuring compliance with company quality standards, state, and federal regulations.
• Negotiated labor rates with vendors by utilizing data collected through analyzing market conditions during the claim processes while advocating for clients throughout the claims process to help clients reduce the cost of claims and provide clients with the necessary information to determine the best claims management approach for their organization.
• Maintained staff retention, efficiency, and morale even during the time of downsizing through engaging employees, generating a team environment, sharing business goals with staff, and creating action plans for managers.
• Facilitated Digital Claim processing; boosted performance and improved efficacy and productivity.
• Cultivated positive relationships with vendors to utilize their training resources to develop talent.
• Received Bravo Associate Recognition for people engagement; created an engaging and challenging work environment for the team resulting in high engagement results.
• Sustained employee engagement rate at top 5% across the nationwide teams for 3 consecutive years.
• Increased alternative parts utilization from 30% to 45%.

Engaging role utilizing transferrable skills from previous client-facing roles in the retail industry.

• Leveraged sales and customer service expertise to exceed consistently sales targets.
• Generated new leads through cold calls and effective communications skills.
• Successfully optimized customer satisfaction and increased customer loyalty by 18%.
• Worked to resolve client complaints to ensure overall satisfaction.

Managed automobile insurance including motorcycle, RV, ATV, boat, and Mobile Home claims as part of special lines team across the state. Examined damages, evaluated practicality of repair versus replacement, prepare estimates; enter claim payments and new claims on a computer system.

• Reviewed insurance policies to determine coverage; investigated, evaluated, and settled claims while applying technical knowledge and human relations skills to effect fair and prompt disposal of cases and to contribute towards a reduced loss ratio.
• Transmitted claims for payment or further investigation.
• Organized and worked with detailed office/warehouse records using specialized software to enter, access, search, and retrieve data.

Assessed potential risks using statistics, financial theories, and mathematics. Estimated probabilities of the success of certain business decisions, projecting costs of potential natural disasters, deaths, or sicknesses of company employees, and designing insurance policies/ business strategies to reduce a company’s financial risks. Identified and analyzed key drivers of loss and reserves.

• Prepared Actuarial models for compliance with emerging standards, including the FASB’s Targeted Improvements for Long-Duration Contracts (LDTI).
• Developed and maintained all AXIS valuation models while overseeing the analysis and development of future model improvements/analytic capabilities.
• Managed robust control framework and performs model testing and documentation.
• Participated in external and internal audits.
• Mentored and guided team members in the use and development of models and tools.
• Assisted in quarterly and annual STAT/GAAP/TAX reserve reporting and analytics.
• Provided data for profitability studies, pricing, and reserving.
• Created business solutions that incorporated statistical models and computational data analysis by utilizing Generalized Linear Modeling, Principal Components Analysis, Clustering and Classification models, Multivariate regression, and Decisions Trees.

Multifaceted role requiring critical thinking and relations management skills to successfully manage multiple clients’ insurance policies.

• Meticulously built and managed a client base, whilst providing them with information on financial products and services not limited to life & health insurance, retirement plans etc.
• Kept abreast of new financial services and products to provide guidance to clients to ensure their policies are tailored to their specific situations.
• Facilitated risk assessment and aided the underwriter in evaluating all factors to minimize loss.
• Ensured the prompt and accurate processing of clients’ application by routinely following up with underwriters.

Investigated different landowner’s losses, obtained corresponding police reports to prepare claim reimbursements, and discussed damage settlements with customers.

• Handled a variety of losses and risks using a service-oriented approach. Followed the standards set forth by the industry for best practices, resulting in good cost management, fair claim decisions, and customer satisfaction.
• Conducted research for loss valuation and worked closely with agents and vendors to prepare structural damage estimates.
• Applied detailed policy coverage specifically about limits and denials and referred the customers to their agent to raise possible limits.
• Evaluated client information related to police reports, video footage, and previous insurance claim to apprehend the damage more closely.