Relationship Case Manager, HCB

Operations Opportunity in Insurance Industry

Relationship Case Manager, Highland Capital Brokerage

Location(s): All Locations & Remote within U.S.

Role Type: Full time

Salary: $50,000 - $60,000 per year + Sales Incentive Compensation

Actual compensation offered will be determined individually, based on a number of job-related factors, including location, skills, experience, and education.

Our competitive salaries are just one component of Osaic's total compensation package. Additional benefits include: health, vision, dental insurance, 401k, vacation and sick time, volunteer days and much more. To view more details of what you can look forward to, visit our careers page: https://careers.osaic.com/Creative/Benefits

Summary:

We currently have an opening for a Relationship Case Manager at Highland Capital Brokerage. This position may be a remote position or work in one of our many brick-and-mortar offices throughout the country as a part of a highly collaborative team.

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 CapitalVP (VP's), and Life Insurance carriers onboth 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. Ability to assess impaired risk and negotiate with carrier Underwriters.

Responsibilities:

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
• Be proficient in financial underwriting for personal, estate planning and business insurance, i.e. purpose of coverage, justifying amount applied for in relation to income, financial/insurable interest, affordability, jumbo limits, carrier retention, existing coverage etc.
• Order medical records using discretion based on available information as well as communicating with carrier underwriters to determine necessity.
• Responsible for ongoing APS follow-up with approved vendors or doctor's office directly and managing expectations for all parties
• Review APS records received for completeness and to ascertain if any additional records may be necessary in order to obtain the offer applied for
• 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
• Proficient with Referral Model institutional accounts and navigating around the compliance and other nuances
• Be familiar with carrier specific underwriting guidelines and nuances, as they pertain to non-U.S. Citizens (foreign nationals) their residency status, travel, assets tied to the U.S. etc.

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.
• Advocate and negotiate with life insurance carriers on Informal and Formal offers.
• Highly skilled in negotiating carrier offers (where appropriate) to ensure that best possible underwriting class is being provided.
• 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
• All other duties as assigned

Education Requirements:

• Bachelor's degree preferred. Associate's Degree required.
• Industry designations (e.g. NAILBA Case Management certification, FLMI, ALU, CLU, ChFC, CFP, etc.) are a plus.

Experience:

• Minimum requirement is five years Brokerage 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 - Advanced level

Soft Skills:

• Excellent communication skills - written and verbal
• Exceptional sense of customer service
• Independently and pro-actively work 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