Case Manager. Highland Capital Brokerage - REMOTE

Advisor Group; Birmingham (AL); Remote; USD 60,000 - 65,000; Full time

Benefits offered by this job

Health insurance

Vision insurance

Dental insurance

401(k)

Paid time away

Volunteer days

Job summary

Highland Capital Brokerage, part of Osaic, is seeking a Case Manager. This role may be remote or in one of our offices.

You will manage life, LTC and DI applications, coordinating communications between agents, partners, vendors and carriers to ensure timely processing. Responsibilities include reviewing applications for accuracy, ordering medical records, assessing risk with underwriters, and supporting illustrations and policy issue.

Qualifications

• Minimum five years in Brokerage New Business, General Agency or Life Insurance company experience.
• Knowledge of medical and/or financial underwriting terminology is a plus.
• Ability to Multi-Task
• Time management and organizational skills

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 have been ordered.
• Review exam and non-medical requirements to determine risk class using Highland tools.
• Be proficient in financial underwriting for personal, estate planning and business insurance explanations of coverage and amounts.
• Order medical records and communicate with carrier underwriters.
• Responsible for APS follow-up with vendors or doctors and manage expectations.
• Review APS records for completeness and additional records needed.
• Reconcile pending requirements and requests with Agents and VP’s.
• Order illustrations and verify riders and 1035X involvement if needed.
• Prepare transmittals or cover letters to carriers.
• Use Paperclip for submitting and storing files.
• Respond to requests for applications.
• Be familiar with underwriting guidelines for non-U.S. citizens and residency status.

Skills

Communication skills

Time management

Multi-tasking

Detail oriented

Proactive

Education

Bachelor’s degree preferred

Associate’s Degree required

Industry designations are a plus

Tools

iPipeline

Agency Integrator

Paper Clip

Job description

REMOTE Operations Opportunity in Insurance Industry

Case Manager, Highland Capital Brokerage

Location(s): All Locations & Remote

Role Type: Full time

Salary: $60,000 - $65,000 per year + Sales Incentive Compensation

Actual compensation offered will be determined individually, based on a number of job-related factors, including location, skills, licensure, experience, and education.

Our competitive compensation is just one component of Osaic’s total compensation package. Additional benefits include health, vision, dental insurance, 401k, paid time away, volunteer days and much more. To view more details of what you can look forward to, visit our careers page: https://careers.osaic.com/Creative/Benefits

Summary:

We currently have an opening for a 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 CapitalVP (VP’s), and Life Insurance carriers onboth 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.

Education Requirements:

• Bachelor’s degree preferred. Associate’s Degree required.
• Industry designations (e.g. NAILBA Case Management certification, FLMI, ALU, CLU, ChFC, CFP, etc.) are a plus.

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
• 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.

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.
• 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

Basic Requirements:

• 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

Technical 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

Soft Skills:

• 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

Equal Opportunity Employer

Osaic is an equal opportunity employer. We celebrate diversity in our workplace and we hire the most qualified candidates without regard for age, ethnicity, gender, gender identity or expression, language differences, nationality or national origin, family or marital status, physical, mental, and developmental abilities (or the perception of a disability), genetic information, race, religion or belief, sexual orientation, skin color, social or economic class, education, work and behavioral styles, political affiliation, military service, caste, or any other characteristic protected by law.

Eligibility

Applicants for employment in the US must have valid work authorization that does not now and/or will not in the future require sponsorship of a visa for employment authorization in the US by Osaic.

Unqualified Applications

Osaic does not consider applications from candidates who do not meet the minimum qualifications stated in the job posting.

Recruiting Agencies

Osaic only accepts candidates from contracted recruiting firms and only for searches approved prior to submissions. Fees will not be paid for unsolicited submissions.