Relationship Case Manager, Highland Capital Brokerage

Be a part of the team behind our success! All financial services distribution companies are not created equal. Highland Capital Brokerage, a member company of Osaic, offers an unparalleled national team dedicated to supporting financial advisors who want to provide their clients with best-in-class life, annuity, and longevity planning.

Relationship Case Manager - Opportunity in Insurance Industry

Summary:

We currently have an opening for a Relationship Case Managerat 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 Capital VP (VP’s), and Life Insurance carriers on both 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. 

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
• Have an understanding of the financial underwriting, i.e.  purpose of coverage, justifying amount applied for in relation to income, financial/insurable interest, affordability etc.
• Order medical records using carrier field underwriting guides based on available information 
• Responsible for ongoing APS follow-up with approved vendors or doctor's office directly and managing expectations for all parties 
• 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
• Familiar with Referral Model institutional accounts

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.  
• Rely on internal underwriters to help negotiate with life insurance carriers on Informal and Formal offers as needed based on impairment 
• Ability to negotiate carrier offers where appropriate to ensure that optimal underwriting class is being received.
• 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

Education Requirements:

• Associate’s Degree Minimum

Basic Requirements:

• Minimum of 3 years experience Life Insurance New Business, General Agency or Life Insurance company experience
• Proficiency with Microsoft Office (specifically Outlook, Word & Excel)
• Possess time management and organizational skills
• 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 – Intermediate level
• Good communication skills - written and verbal
• Strong sense of customer service 
• Able to work pro-actively 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

Preferred Requirements:

• Industry designations (e.g. FLMI, ALU, CLU, ChFC, CFP, etc.) are a plus

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.

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.

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

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