Jyoti D. Email and Phone Number

Dynamic position involving underwriting skills and ability to manage assigned client company’s reinsurance arrangements. This position involves partnership with key internal and external underwriting and business contacts to ensure profitable block of business and strong sales and persistency results.• Rate and write Group Life, Short Term Disability (STD) and, Long Term Disability (LTD) lines of coverage.• Proactively manage renewal book of business, advising clients on various risks and underwriting issues.• Actively participate in the analysis and presentation of renewal projections.• Develop and maintain excellent working relationships with Sales, external and internal clients.• Work independently within assigned authority levels.

Senior Billing Specialist reporting into Group Benefits Operations and Technology.• Responsible for managing complex and/or high visibility cases. Investigating and analyzing premium discrepancies and initiating corrective action.• Participating in broker/customer meetings to find win-win solutions to customer issues and complaints.• Mentoring, coaching, assisting and reviewing the work of others for quality checks and process consistency.• Documenting Best Practice Procedures to improve productivity, accuracy and customer service.

New Business Team Lead for Aetna-Coventry Healthcare small group segment to determine risk and underwriting accurate quotes that are competitive and profitable to company. • Met client needs by preparing competitive financial models and delivering recommendations for alternative pricing options and plan design changes. • Improved accuracy by reviewing, proofreading, and validating all aspects of New Business proposals, ensuring wording, plan design, key items, costs, and pricing are correct. • Increased marketability of products by developing competitive analysis of life and disability lines of coverage, presenting financial and contractual findings to sales and business partners, and teaching methods to communicate understanding of value of products. • Boosted company revenue by providing life and disability subject matter expertise to medical sales executives for cross-selling life and disability with medical products, serving as primary liaison, and assisting with various levels of pricing and risk analysis.• Met business segment needs by analyzing and customizing Life and Disability Group benefit plans, characteristics, and risk tolerance levels for customer base.• Earned multiple recognitions for excellence in job performance and teamwork. • Recognized as Top Performing Underwriter in multiple consecutive quarters for exceeding and meeting targets and goals.

Managed risk determination based on sensible judgment and meticulous attention to detail.Handled all aspects of New Business Life and Disability Underwriting for Select Accounts in Middle Market Segment for all regions in country.• Improved processes by serving on panel for Group Insurance Select and Key Accounts End to End process improvement, identifying pain points encountered in each step of underwriting process for new business.• Assisted in transition during Coventry Healthcare acquisition as member of committee that represented New Business Underwriting support by helping in establishing a framework for underwriting principles and guidelines for utilization in small group segment being created.• Participated in designing process improvement strategies by providing support, testing new processes in actual price modeling world, and implementing in field.• Earned praise and recognition from corporate and state auditors by maintaining up-to-date sold case files, utilizing strong organizational skills, meticulous with details, routinely selected for Sox Audits and other State Audits.• Met strict case turn-around time by performing daily underwriting tasks, updating analytical case tracking database daily, and maintaining open communication channels with sales, sales support, account managers, and field managers.• Enhanced team quality and efficiency by mentoring less experienced members of team, providing training, and job shadowing efforts.

As a Client Service Analyst performed verification, evaluation and processing of Annuity New Business applications.