Case Manager, Disability Insurance

External

Advisorgroup · Birmingham, UK

$55K–$65K/yrFull-timeRemote2d ago

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About the role

We currently have an opening for a Case Manager, DI 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 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. Education Requirements: Bachelor's degree preferred in financial services, or related field, H.S. Diploma or GED certificate + Significant Practical experience will be considered

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

Have an understanding of the financial underwriting, i.e. purpose of coverage, justifying amount applied for in relation to income, financial/insurable interest, affordability etc.

Order medical records using carrier field underwriting guides based on available information

Responsible for ongoing APS follow-up with approved vendors or doctor's office directly and managing expectations for all parties

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

Familiar with Referral Model institutional accounts

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.

Rely on internal underwriters to help negotiate with life insurance carriers on Informal and Formal offers as needed based on impairment

Ability to negotiate carrier offers where appropriate to ensure that optimal underwriting class is being received.

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

Basic Requirements:

Minimum of 3 years' experience in Life Insurance New Business, General Agency or Life Insurance company experience.

Industry designations (e.g. FLMI, ALU, CLU, ChFC, CFP, etc.) are a plus.

Prior knowledge of medical and/or financial underwriting terminology is a plus.

Possess time management and organizational skills.

Technical Skills:

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Case Manager, Disability Insurance

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