Tom Umbenhower Email & Phone Number

Norwalk, IA, US

Boston, MA, US

Bellevue, WA, US

Columbus, Ohio, US

• Responsible for New Business & Underwriting, Policy Owner Service, Operational Compliance, and Claims. Shared responsibility for Reinsurance with Actuarial.
• Leading and managing the Underwriting, New Business, Claims, and Policy Owner Service functions with 5 direct reports and 11 indirect reports. Serve as Chief Underwriter by setting underwriting philosophy/policy.
• Served as a Life Company representative for Enterprise Content Management and Customer Communications Management selection team as well as served as project sponsor to many of the Life Workflow Modernization Program.
• Supported the development of a term product utilizing sophisticated automated underwriting engine
• Updated Final Expense Underwriting to handle “cliff drugs”
• Established underwriting criteria and negotiated reinsurance treaty for Chronic Illness Rider Product

Radnor, PA, US

• Handled life cases up to $25 Million with approval limits through $10 Million
• Lead a team of six underwriters to exceed General Agency distribution channel sales goals for three years running
• Presented at Regional Sales and Annual GA Channel Sales Planning Meetings receiving kudos from participants and sales management. Some of the information provided was extremely difficult to deliver due to the.
• Designed and implemented an Underwriting Productivity Report and trained peers. The report helps managers see what has been accomplished in a virtual world with a snapshot in time.
• Obtained Advanced EKG Interpretation Certification resulting in less referrals to Medical Director
• Participated in the Non-Formal Application Process providing innovative suggestions for trial applications and quick quote processing resulting in improved handling.

Radnor, PA, US

• Handled life cases through $15 Million with approval limits through $10 Million
• Prepared for assuming a Senior Underwriting Director Role in March 2010 while working remote
• Handled the referrals or second-signatures of three less seasoned underwriters
• Re-certified EKG Interpretation enabling bypass of all normal EKG’s from medical director referral
• Participated in the Preferred Criteria Project analyzing historical information to determine future Preferred Guidelines.
• Learned the Lincoln method of budgeting, appeals, and managing people in preparation for success at the next level.

Erie, PA, US

• Unlimited handling limits and approval authority, but bound by an auto-bind limit of $2 Million.
• Lead and managed six to seventeen underwriters
• Represented Underwriting in the External Partnership Efforts with planning, implementing and transition efforts to go to an Image Workflow System. Included in this effort were many significant business rules changes.
• Responsible for employee utilization planning ($1.2 Million), budgeting (Underwriting and Survey Expenses of about $3 Million), workflow, employee development, and team motivation
• Assigned to the Enterprise Strategy Team for the Life Business Unit. Utilized industry knowledge, business savvy and strategic thinking for the enterprise strategy project. An integral member for team leadership and.
• Lead the Lean Manufacturing Techniques efforts for improved work-flow and through-put. Project included; Value Stream Mapping, 5-S Visual, eliminating bottlenecks, and eliminating waste. These efforts resulted in.

US

Master Of Business Administration (M.B.A.), Management And Finance

Bachelor Of Arts (B.A.), History/Political Science