Account Executive - Benefits na Bell Bank

This position provides a high level of support to Group Benefit Producers and clients in obtaining, maintaining, expanding and servicing Group Benefit accounts; in addition to independent sales responsibilities for group benefit products for employer groups of 50 employees or more.

Primary Duties:

• Work with agent to manage a book of group benefit clients.
• Independently sell and support group benefit products for employer groups.
• Act as primary contact between clients, carriers and agent with open and clear communication, ensuring accurate and timely responses.
• Develop a positive working relationship with agency personnel, clients, agents and carriers.
• Responsible for marketing process which includes obtaining client census and quotes; preparing and submitting bid specifications; and evaluating results in preparing recommendations for the clients.
• Ensure submissions are accurate, complete, timely, and meet carriers’ requirements.
• Communicate due dates, timelines and expectations to clients and carriers.
• Create client proposals with current and renewal details, as well as options.
• Communicate final placement details and instructions to insurance carriers and customers.
• Ensure final documents and contracts are accurate.
• Utilize analytical tools and resources to develop alternative strategies, plan modeling and cost reduction opportunities.
• Identify problems, summarize and develop strategic solutions with client by incorporating the company’s culture, mission and future staffing needs into our recommended strategic solutions.
• Attend client meetings at their locations and in our office.
• Conduct on-site meetings to communicate to employees and/or administrator about their benefit plans
• Regular client contact through electronic, telephone and in person communication.
• Educate, advise, and assist clients on state and federal regulatory issues including, but not limited to, ERISA, 5500s and Health Care Reform.
• Install new group insurance contracts.
• Administer renewals including preparing appropriate contractual changes.
• Develop employee memorandum drafts for client to communicate annual renewal changes, enrollment procedures, miscellaneous benefit changes and/or clarifications.
• Provide resolution support and oversight of employee issues such as enrollment and billing issues.
• Enter client and coverage information into EPIC for prospects and active clients, and keep updated and documented.
• Use existing agency workflows, help develop and update as needed.
• Develop and enhance knowledge and expertise of products, carriers, underwriting requirements and eligibility of products.
• Follow up in a timely manner on outstanding items and manage open activities.
• Identify coverage upgrade opportunities.
• Research claims and billing inquiries.
• Ensure quality and service standards of the agency are followed.
• Participate in classes or seminars for skill and knowledge development.
• Maintain insurance license.
• Assist in general office duties as requested and needed.
• Know by name and face as many customers and employees as possible, calling them by name as often as possible.
• Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
• Know, understand, and live the company values and bottom line.
• Conduct activities consistent with established Bell Bank policies, procedures and systems, and all applicable state and federal laws and regulations.
• All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
• Prompt and reliable attendance.
• Perform other duties as assigned.

Job Skills Required:

• Bachelor’s degree in business administration, finance, or a similar field; or equivalent experience.
• 4-6 years of experience with employee health, benefits, other areas of insurance, or related areas.
• Previous sales or sales support experience preferred.
• Postsecondary education or equivalent insurance or sales experience.
• Commitment to continuous learning/education in insurance.
• Ability to interpret complex information, communicate effectively appropriately.
• Proficiency in technology in general to enhance sales and service.
• Life and Health Insurance license (can obtain after hire).
• Outstanding customer service and interpersonal skills.
• Excellent verbal and written communication skills.
• Focus on ethics, integrity and honesty.