As the Operations Manager at Unified Employee Benefits, I possess extensive knowledge and experience with the following voluntary benefit product offerings that can be customized for each employer depending on specific needs: CRITICAL ILLNESS INSURANCE•Pays a lump sum of up to $100,000 upon diagnosis•Includes cancer, stroke, heart attack, organ transplant and more CANCER INSURANCE•Pays cash benefits when diagnosed and treated for cancer•Contributes to company wellness program by paying out cash for having annual physical exams ACCIDENT INSURANCE•Pays cash when medical treatment is sought for an injury•Takes care of annual deductibles and out-of-pocket maximums SHORT-TERM DISABILITY•Provides up to 60 percent of salary for up to two years•Helps when extended absence from work exhausts paid sick and vacation days HOSPITAL EXPENSE INSURANCE•Provides cash benefits for inpatient hospital stays, up to $5,000 per individual or $15,000 per family•Helps pay for outpatient surgeries, MRIs and some emergency room treatment for accidents LIFE INSURANCE•Guaranteed, standard-issue term and permanent policies•No medical records or physicals required•Long Term Care rider available with some plans VISION/DENTAL INSURANCE•Low-cost vision and dental plans•Covers employees and their families

This position serves as a liaison between the advisor I supported and the insurance carriers to expedite the application and issue process for life insurance applications. Monitors progress of cases, facilitates the procurement of outstanding requirements, and provides ongoing status to agent/broker. Reviews related medical information and identifies issues that may obstruct issuance of the policy as applied for, and develops creative solutions, presenting agents with alternatives. Performs “pre-underwriting" function through review and analysis of medical and occupational information, family history and beneficiary designation. Identifies issues which may impede issuance of the policy. Based on assessment and on knowledge of practices of individual carriers, contacts internal and/or carrier Underwriting staff to confirm validity of issues. Conferred with writing agent to discuss coverage alternatives. Based on age, face amount and individual carrier guidelines, orders initial requirements on behalf of the agent/broker. Compares medical information contained in agent's application to that recorded in medical records/ requirements; identifies and investigates obvious discrepancies and obtains further documentation as necessary. Through regular contact with agents and underwriters, establishes and maintains rapport to enhance working relationships. Maintains awareness of new or modified product offerings and industry developments. Responds to agent requests for quotes by gathering and assessing client-specific needs and recommending best product for given circumstances. Created illustrations for agent consideration.