Job Description

JOB PURPOSE

The Associate Insurance Advisor supports our CDA members and TDIC policyholders by assessing insurance needs and making recommendations for products, bundles and coverages. Most of the communication is via phone and email, except in person presentations during organizational events. Associate Insurance Advisors are regarded as having high levels of product knowledge and delivering valuable expertise and recommendations based on client needs. An Associate Insurance Advisor will float between territories to assist Account Managers and Insurance Advisors with their territories.  A successful Associate Insurance Advisor is responsible for mastering TDICIS process and procedures and demonstrates the ability to be an Insurance Advisor and become responsible for a territory.

Essential competencies:

• Communication skills (influence)
• Relationship skills (service)
• Adaptation (flexibility)

ESSENTIAL FUNCTIONS – MUST BE ABLE TO PERFORM WITH OR WITHOUT A REASONABLE ACCOMMODATION

Primary Role

• Educates, plans and supports members to help them cover all practice related insurance risks.

• Consults with members to identify risk and exposure, advise on the proper values for the member’s assets, and then recommends solutions to manage the member’s risk and exposure.

• Acts as a liaison between the member and other departments by gathering and passing underwriting information about the member.

• Provides authority to execute insurance and finance contracts that legally bind the organization and its members.

• Offers and reviews all product lines with a primary focus on Core Products – TDIC Optimum Bundle, Business Overhead Expense and Disability Insurance and health related products that best meets their needs.

• Becomes a product expert for all coverage lines for P&C and L&H.

• Cross Sells all appropriate product lines, including referrals to Health Care Team.

• Conducts outbound calls as necessary to service and address gaps in member coverages.

• Develops business opportunities through outbound calling of leads.

• Works as a cohesive team to achieve department objectives.

• Works with interdependent departments, and outside carriers to efficiently process application submissions.

• Achieve ongoing benchmarks for:

  • Sales Pipeline development
  • New Business Submission goals for all lines of business
  • Retention
  • Controllable Pend Ratios
  • Revenue goals
  • Customer response and call monitoring

• Tracks all prospect management through CRM database system.

• Provides a high level of service to CDA members and TDIC clients.

• Creates and sustains long term working relationships with valued CDA members and TDIC Clients.

• Conducts consistent follow up with prospective clients both on the phone and via email.

• Networks with members, clients and prospective clients at industry tradeshows and occasional networking events.

• Collaborates in pre-arranged marketing campaigns, and tracking activities as assigned.

Secondary Role

• Answers telephone calls and written requests regarding coverage questions, premiums, eligibility, rates, account status, claims, billing, address changes, and benefits, as needed to maintain service levels during peak periods. 
• Investigates and resolves customer problems and disputes in a timely and efficient manner.
• Reads, analyzes and interprets policies, procedures and regulations as needed.
• Supports workflow processing as subject matter expert.

REQUIRED EDUCATION, LICENSES & EXPERIENCE

• Bachelor’s degree in business or related field.
• Active P&C and Life & Health agent licenses.
• Minimum of 2 years’ experience in direct insurance sales.
• Communication skills: inspiring others and inciting action to achieve organizational goals and desired outcomes; demonstrating expertise and earning respect.
• Critical thinking skills: ability to identify and advice on insurance needs for dentists and their practices, through a consultative needs-based approach to selling.
• Adaptation skills: appropriately adapting behavior to changing conditions; modifying approach to succeed with new situations and timelines.
• Strong problem-solving skills in response to escalated/complex service issues for all brokerage lines of coverage.
• Demonstrated ability to assess needs, present recommendations for coverages and products, and effective at closing the sale.
• Ability to manage a large volume of inbound and outbound calls, track and document follow up communication, and deliver premier customer service.
• Excellent product knowledge of Property & Casualty insurance policies and coverages for disability insurance, in order to assess needs and make recommendations on coverage.
• Ability to operate independently, exercising good judgement and professionalism.
• Demonstrate excellent verbal, written and interpersonal communication skills.
• Demonstrate excellent analytical skills and attention to detail.
• Proficient computer skills, including, Excel, Word, and PowerPoint.
• Positive attitude, motivated and a passion for helping people.

PREFERRED EDUCATION, LICENSES & EXPERIENCE

• Demonstrated knowledge of Life and Health insurance policies and coverages, in order to assess needs and make recommendations on coverage.

WORKING CONDITIONS     Occasionally (1-33%)              Frequently (34-66%)                Constantly (67-100%))

• Frequently maintains a stationary position.
• Occasionally moves around the office to access file cabinets, office machinery, etc.
• Occasional overnight travel several times annually at organizational events.
• Constantly stands and walks when attending organizational events.
• May be asked to carry items weighted less than 50lbs

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