Client Service Associate - Disability & Life Insurance

Aon•Royal Oak, MI

11d•Hybrid

About The Position

The Client Service Associate supports clients within a specialized life and disability insurance practice, helping deliver high-quality service in collaboration with a team. The role handles policy service needs, maintains accurate client and policy records, coordinates communications, and ensures requests are handled accurately and efficiently. Prior life or disability insurance experience is not required; candidates with experience in professional office, financial services, insurance, accounting, legal, or other client-facing environments are encouraged to apply. The position also provides backup support to the CSR, serves as a first point of contact for questions from clients and insurance company personnel, and helps conserve the existing block of disability and life insurance through proactive premium follow-up. A Life & Health License must be earned.

Requirements

High school graduate or equivalent.
At least 1 year of related experience and/or training, or an equivalent combination of education and experience.
Proficiency in Microsoft Office applications.
Good written and verbal communication skills.
Self-confidence to make sound independent decisions.
Ability to interact successfully with a variety of people.
Team-oriented, adaptable, and open to mentoring and continual learning.
Good analytical and problem-solving skills.
Attention to detail.
Must earn a Life & Health License.
May be required to work overtime as necessary.

Nice To Haves

College graduate preferred.
Experience in professional office, financial services, insurance, accounting, legal, or other client-facing environments.

Responsibilities

Prepare monthly birthday lists and distribute personalized birthday communications weekly.
Review and manage lapse reports, ensuring timely follow-up and resolution.
Finalize new and increased policies according to established procedures and maintain accurate internal records.
Initiate and support the processing of death and disability claims in accordance with company guidelines.
Prepare annual term-expiry reports and manage related communications.
Retrieve and organize correspondence from external systems, including Files Anywhere.
Create and maintain client files in accordance with office procedures.
Serve as the first line of response to questions from clients and insurance company personnel.
Proactively notify clients of overdue insurance premiums to help conserve the existing block of disability and life insurance.
Process policy service requests, including address, beneficiary, and premium-mode changes.
Follow up with carriers to ensure accuracy and completeness.
Update client and carrier information in the CMS and maintain electronic client files.
Complete policy summaries and annual reviews.
Perform administrative duties, including scanning and accurately filing client materials, answering phones, and distributing mail.
Verify the accuracy of requested documentation and information, including policies and endorsements.
Perform policy reviews and complete the process for recording coverage in the CMS.