Pharmacists Mutual IS HIRING

Remote Inside Insurance Sales Representative-Remote job at Pharmacists Mutual

Go to click.appcast.io



Pharmacists Mutual has an opening for a Coverage Advisor. This role will work remotely in Iowa. The role increases revenue by marketing and selling one or more of the following lines of business: personal lines, life and benefits products. The Coverage Advisor sells to members and prospective members in an assigned territory or territories from a remote location. Also helps members attain peace of mind through specialized insurance solutions (including life and benefits insurance) and superior personal service.

Coverage Advisor I

  • Pursues expert knowledge of insurance principles, practices, and products.
  • Designs and executes effective strategies to identify members with incomplete packages of insurance solutions.
  • Designs and executes effective strategies to identify prospective members.

Coverage Advisor II

  • Demonstrates expert knowledge of insurance principles, practices, and products.
  • Demonstrates ability to train and mentor a level I Coverage Advisor.
  • Demonstrates ability to efficiently identify prospects, round-out incomplete or inadequate insurance packages of current members, and prospective new members.
  • Suggests marketing ideas to Marketing Department.
  • Eligible for role focused on life insurance.

Senior Coverage Advisor

  • Demonstrates a history of high quality work.
  • Demonstrates ability to positively influence other team members.
  • Demonstrates critical thinking and problem-solving ability.
  • Actively participates in the development of team goals that support achievement of corporate goals.
  • Actively encourages team member performance relative to team goals.
  • Suggests new or changes to existing marketing strategies as necessary to ensure team goals are achieved.
  • Eligible for role focused on life insurance.

Essential Functions

Essential functions may include, but are not limited to the following:

  • Meet or exceed assigned production goals established by management.
  • Coordinate activities with Field Representative in assigned territory as needed.
  • Contact current members to upsell or round out accounts.
  • Make outbound sales calls to prospective members.
  • Design and implement an effective marketing strategy to identify prospects.
  • Review coverage packages of current members and prospective members to identify coverage gaps and recommend appropriate insurance solutions to close said gaps that promote peace of mind.
  • Provide timely and accurate coverage analysis and insurance proposals and effectively communicate to prospects.
  • Understand and apply underwriting guidelines to prequalify prospective members.
  • Properly rate insurance proposals.
  • Communicate with Underwriter for proper risk assessment.
  • Attend and participate in meetings and conventions as requested.
  • Provide superior customer service while ensuring timely coverage analysis and detailed documentation supporting conversations and consumer decisions.
  • Drive a vehicle for extended periods of time to execute the job as needed.

Knowledge, Skills and Abilities

  • Ability to solicit business within assigned territories by phone, marketing, and provide onsite personalized service.
  • Strong telephone sales and customer service skills.
  • Thorough knowledge or the ability to acquire such knowledge in a short period of time of principles and practices of insurance underwriting, insurance sales, and collection and interpretation of data.
  • Ability to use initiative and apply innovative thinking.
  • Strong organizational skills and ability to prioritize work.
  • Ability to establish and maintain effective working relationships in a team environment through effective written and oral communication.
  • Ability to work independently to make critical decisions and analyze complex issues.
  • Ability to interpret and apply laws, rules and regulations.
  • Ability to obtain and utilize sensitive information discreetly and objectively.
  • Above-average office skills including;
    • Record-keeping and documentation
    • Report generation
    • Typing
    • Written and Verbal Communication
    • Telephone
    • Computer and software (including but not limited to Microsoft Word and Excel)
  • Ability to read, interprets, and input data efficiently and accurately.
  • Demonstrated understanding of when to escalate concerns to the appropriate level of management.

Experience and Education Qualifications

Coverage Advisor I

  • High School Diploma or equivalent and 1 year of related experience; or
  • Associate's Degree or equivalent

Coverage Advisor II

  • High School Diploma or equivalent and 3 years of related experience; or
  • Associate's Degree or equivalent and 1 year of related experience; or
  • Bachelor's Degree

Senior Coverage Advisor

  • High School Diploma or equivalent and 5 years of related experience; or
  • Associate's Degree or equivalent and 3 years of related experience; or
  • Bachelor's Degree and 2 years of related experience

Special Requirements, Licenses and Certificates

All levels:

  • Possess Property & Casualty licenses
  • Possess or obtain Life & Health licenses within 60 days of hire

Preferred Qualifications

Coverage Advisor I

  • One year of Property and Casualty insurance knowledge
  • Proven ability to successfully sell Insurance products

Coverage Advisor II

  • Proven ability to successfully sell Insurance products
  • AINS, API, CISR, Life, AAI, AIS, ACSR, or DI designation



Job posted 2021-11-15