Case Manager, Highland Capital Brokerage

Advisor Group•Birmingham, AL

1d•Remote

About The Position

Highland Capital Brokerage, a member company of Osaic, is seeking a Case Manager to join their Life New Business Team. This role is responsible for managing the case management of life, long-term care (LTC), and disability income (DI) applications. The team member will facilitate timely, accurate, and relevant communications, acting as a liaison between agents/financial advisors, institutional partners, vendors, Highland Capital VPs, and life insurance carriers. This position requires analytical skills to combine medical, financial, reinsurance, and general life insurance expertise. Key responsibilities include reviewing applications for accuracy and completeness, ordering and managing requirements through policy issuance, and managing placement requirements. The role also involves assessing impaired risk and negotiating with carrier underwriters.

Requirements

Associate’s Degree required.
Minimum requirement is five years 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.
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

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