Case Manager, Highland Capital Brokerage

Advisor Group•Birmingham, AL

1d•Remote

About The Position

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 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. Ability to assess impaired risk and negotiate with carrier Underwriters.

Requirements

Minimum requirement is five years years Brokerage New Business, General Agency or Life Insurance company experience
Ability to Multi-Task
Possess time management and organizational 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
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

Nice To Haves

Prior knowledge of medical and/or financial underwriting terminology is a plus
Industry designations (e.g. NAILBA Case Management certification, FLMI, ALU, CLU, ChFC, CFP, etc.) are a plus.

Responsibilities

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.
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