Karmin Barfels Email & Phone Number

Johnston, Ia

Solely responsible for accurately evaluating the potential risk of new and renewing mid to large sized groups and developing actuarially sound dental and vision rates and benefit plans. Accountable for underwriting revenue and maintaining profitability, growth, and retention. Collaborate with the marketing, sales, compliance, and product teams to develop new Dental and Vision benefits, including developing underwriting guidelines, contract language, and assisting with DOI responses. Prepare and present documents to support underwriting recommendations and supporting materials to both internal senior leadership and external customers.

Des Moines, Ia

• Reformed the underwriting audit process to follow basic Sarbanes Oxley requirements, automating the reviews and increasing efficiencies. • Implemented a portfolio management underwriting program for all company personal lines underwriters. • Lead two yearly audits of underwriting regions, including analyzing the data for specific trends, preparing the written reports, and presenting the findings to senior leadership. • Product Owner on an Agile team which developed and implemented the personal lines inspection ordering model and process, increasing written premium by over $400,000 in less than one year. • Expand the personal lines underwriting philosophy and create underwriting guidelines for all product lines that support independent agency partners. • Maintain all personal product lines, research and create new coverage forms, review and write both underwriter and agency facing business rules for new, renewal, and amended policies.

Des Moines, Iowa Area

• Lead underwriting audit reviews, analyzing multivariate data to determine region specific themes or trends, and worked with regions to develop action plans that would eliminate the noted process or system gaps to increase efficiency. • Prepared written reports of audit findings and presented results to senior leadership. • Utilized various data warehouse operators and underwriting systems to compile all independent channel policies for review, as well as developed and maintained an Access database for use by 14 auditors and managers. • Conducted research and provided input towards the development, revision, and interpretation of underwriting policies, standards, and practices through project work requested by senior leadership.

Des Moines, Iowa Area

• Responsible for driving the profitable growth of independent agency partners through various Portfolio Management techniques. • Managed territories in various states, and ranging in size from $11 million to $21 million in direct written premium. • Developed, implemented, and maintained agency action plans designed to increase profitability and growth for a diverse group of agency partners.

Various

Des Moines Radio Group (Star 102.5, LAZR 103.3, & Lite 104.1) DSM, IA• Voice talent for commercials and promotional spots, commercial copywriter, and advertising sales. CBS/Viacom (Mix 93.3 & Star 102.1) Kansas City, MO • Voice talent for commercials and promotional spots, commercial copywriter, and advertising sales. KXCV/KRNW National Public Radio, Maryville MO • On-air host of numerous classical, jazz, arts, and news content shows. Voice talent for commercials and promotional spots, news copywriter, and content reporter.