Liaison Jobs

About The Position

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.

Benefits

• health, vision, dental insurance
• 401k
• vacation and sick time
• volunteer days