USI Insurance

General Description: Consultative account management partner for small employee benefits accounts (1 -100 lives). Activities include marketing, compliance education, strategic planning, plan implementation, and carrier issue resolution. Serve as day-to-day contact for larger, more complex small business clients. 

Responsibilities:

•           Provide proactive, consultative support to a book of assigned clients. Lead all meetings and interactions with clients.

•           Evaluate Select product offerings and/or alternative funding programs for clients. As appropriate, guide clients through the transfer from fully insured to alternative funding benefit plan designs. Includes educating clients on underwriting and compliance requirements.

•           Interpret clients’ current coverage plans, identify gaps, and recommend opportunities to expand lines of coverage. Provide insurance technical expertise to clients. 

•           Educate, advise, and aid clients on all compliance topics. Includes alternative funding requirements, ERISA, COBRA, FMLA, 5500s and Health Care Reform.  

•           Function as primary contact between clients and insurance carriers. Respond to requests for information, documents, and employee benefits insurance inquiries.

•           Accountable for marketing and placement of client insurance renewals and new business. Includes:

            •           Evaluating plan options via quoting systems, general agents, and direct carrier engagement. 

            •           Negotiate with carriers on renewal rate increases and prepare appropriate contractual changes. 

            •           Provide insurance plan options and recommendations to clients. 

            •           Communicate final placement details to insurers, clients, and participants.

•           Develop employee communications for renewal changes, enrollment procedures, benefit changes, and/or clarifications.

•           Introduce clients to USI Benefit Resource Center for resolution support. Includes assistance with claims issues and benefit plan/policy questions. 

•           Provide oversight and assistance with employee issues such as enrollment and billing issues.

•           Introduce clients to USI value-add services where appropriate. 

•           Maintain a high degree of accuracy in agency management and document management systems.  

•           Ensure client deliverable standards are met. Participate in peer review with team members. 

•           Keep current with industry information, technology, and trends. 

Knowledge, Skills, and Abilities:

•           4+ years’ experience in employee benefits insurance experience. 

•           College degree preferred. 

•           Customer service experience preferred.

•           Must hold a Life & Disability insurance license. 

•           Comfortable with internet-based programs and Microsoft Office products.

•           Ability to set priorities and manage deadlines.

•           Ability to work in a fast-paced, team environment with minimal instruction. 

•           Ability to conduct complex tasks with many concrete and abstract variables.  

•           Strong verbal and written communications skills. 

•           Ability to define problems and generate potential solutions.  

USI is committed to providing a full-suite of competitive benefits for our growing population and its diverse needs. We offer a wide range of health, welfare and financial benefits including medical, wellness, dental and vision, 401(k), flexible spending and health savings accounts, short and long-term disability, life insurance and other unique employer-sponsored and voluntary programs. USI also offers a generous paid time off policy, paid family leave benefit as well as paid holiday time.