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Osaic Careers
REMOTE Operations Opportunity in Insurance Industry
Case Manager, Highland Capital Brokerage
Location(s): All Locations & Remote
Role Type: Full time
Salary: $60,000 - $65,000 per year + Sales Incentive Compensation
Actual compensation offered will be determined individually, based on a number of job-related factors, including location, skills, experience, and education.
Our competitive salaries are just one component of Osaic’s total compensation package. Additional benefits include: health, vision, dental insurance, 401k, vacation and sick time, volunteer days and much more. To view more details of what you can look forward to, visit our careers page: https://careers.osaic.com/Creative/Benefits
Summary:
We currently have an opening for a Case Manager at 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. Ability to assess impaired risk and negotiate with carrier Underwriters.
Education Requirements:
· Bachelor’s degree preferred. Associate’s Degree required.
· Industry designations (e.g. NAILBA Case Management certification, FLMI, ALU, CLU, ChFC, CFP, etc.) are a plus.
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
· Be proficient in financial underwriting for personal, estate planning and business insurance, i.e. purpose of coverage, justifying amount applied for in relation to income, financial/insurable interest, affordability, jumbo limits, carrier retention, existing coverage etc.
· Order medical records using discretion based on available information as well as communicating with carrier underwriters to determine necessity.
· Responsible for ongoing APS follow-up with approved vendors or doctor's office directly and managing expectations for all parties
· Review APS records received for completeness and to ascertain if any additional records may be necessary in order to obtain the offer applied for
· 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
· Proficient with Referral Model institutional accounts and navigating around…