Life Insurance Application Representative

Location: GPM Life Insurance, San Antonio, TX

Working Conditions: In-Office, (not remote)

Job Type: Full-TimeABOUT GPM LIFE INSURANCEGPM Life is a Northeast San Antonio based life insurance company with an emphasis on providing excellent customer service to policyholders/customers, agents, and the GPM Life team. GPM Life offers a competitive benefits package including medical, dental, vision, group life insurance, and a 401(k) plan with a company match. GPM Life employees work 39 hours/week Monday through Friday. (Friday-employees work 5 hours.)REQUIRED SKILLSAnalytical & Quality Focus: Employ strong analytical skills to critically assess work, ensure compliance with standards, and proactively identify and correct errors to prevent issues. Meticulous Attention to Detail: Demonstrate a steadfast commitment to accuracy and thoroughness in all tasks. Efficient Execution: Manage time and organize tasks effectively to process a high volume of work quickly without compromising quality. Multitasking & Workflow Management: Expertly manage multiple priorities in line with department goals. ABOUT THE POSITIONThis position is an entry level position in the New Business department. The role is fast-paced and requires exceptional accuracy and attention to detail. The successful candidate will be a reliable and conscientious professional, accountable for the accuracy and quality of completed work. Review new life insurance applications for completeness and accuracy, thoroughly review that all incoming documents match the system, and documents applications details to the file. The Jr. New Business Case Manager learns and implements the Company's New Business protocol for applications that are Not in Good Order (NIGO), manages workflow to maintain efficiency, and ensures all processing aligns with HIPAA guidelines. All discrepancies and outstanding requirements must be identified, communicated promptly, and resolved to prepare the application for Underwriter review. Manage the workflow of pending life insurance applications based on outstanding requirements to ensure timely processing and readiness for underwriting. Become proficient in system codes and update as necessary to communicate requirements for the agent to review, document all communication with the agent, and properly imaging documents to update the file and forward to the Underwriter for final assessment. All system notes should be consistent with the notes in the electronic file to ensure clear communication and prevent miscommunication or oversights. Proficiently complete medical record orders based on Underwriter discretion to support the underwriting process. Submit medical record orders and follow up with vendor for status updates, additional requirements, and order completion. Communicate to the agent the need for special release form to be signed by the client, update vendor portal for accuracy and upload documents to ensure proper recording for finalized medical records for Underwriter review and final assessment. Understand and apply the medical exam procedure by following up on outstanding medical exam requirements with the exam company directly or with the agent, documenting all correspondence in the system and Underwriting worksheet to track delays or discrepancies in accordance with the 30-day timeframe. Compare exam information is consistent with the application, verify Para Med and lab results are accurate and recorded, and determine appropriate handling of exam documents. Additionally, the Underwriter may request a copy of labs completed through another carrier. Professionally handles incoming telephone calls and emails quickly and efficiently, delivering high-quality customer service by providing status updates on pending applications and assisting with agent inquiries. Accurately records clear and concise notes in the system and on the Underwriting worksheet to document issue instructions and facilitate communication among case managers. Performs any additional functions necessary to ensure satisfactory service to agents on behalf of the customer. Master the replacement protocols for all disclosed and undisclosed replacements of life coverage—both internal and external—in compliance with state regulations. Reviews all replacement documentation for accuracy and completeness, submits replacement cases to the supervisor for review and approval, and ensures all replacement processing adheres to state-mandated regulations. Master understanding of the final review process to ensure accurate and error-free issuance to include verifying all details for correctness before policy issuance, documenting agent instructions regarding Final Issue instructions and changes due to rated approvals or age changes. Prepares necessary amendments, letters, memos, refund checks, premium payments, and other correspondence. Any unfulfilled requirements, initiate withdrawal of the application in accordance with product-specific withdrawal time frames. Develop a comprehensive understanding of the end process and the sequential steps for policy mailing. Sorts, prepares, and assembles new policy pages for designated products, ensuring accuracy and inclusion of any additional documents signed and received after application submission. Prepares contracts in accordance with New Business procedures and conducts a thorough review to confirm documents are properly recorded and invalid documents notated, Underwriter's approval is verified, and illustrations are in good order. Communicates any errors to the Supervisor to refer to the Actuarial department for resolution, as needed. Policies must be audited and mailed within 24 hours of printing, subject to adjustment during peak periods with heavier workloads. Mails issued policies to agent or policyholder. Applications issued with any errors must be resolved by obtaining agent confirmation of changes or corrections and handled by referring to the Policy Change Department for correction or by reissue under a new number. Case manager assumes responsibility for corresponding with agent on reissue or correction procedure, possible refund, or request for additional funds, and obtaining any additional documentation to properly complete changes. Assists Underwriters as needed with Underwriting duties to include phone calls, letters, documenting agent inquiries, and special requests. Provides back up to other positions in the department. Collaborate to share and balance daily tasks among the team, ensuring smooth workflow and team efficiency. Performs other duties assigned. CANDIDATES SHOULD HAVEProficient computer skills including Word and Excel experience. Willingness to train on-the-job. The ability to work independently and as part of a team. Strict attention to detail in all work completed. Strict adherence to confidentiality and privacy rules is required. Effective communication and customer service skills. Time management and organizational skills. Great people skills. Professional demeanor.

EDUCATION AND EXPERIENCE: High School plus some college or equivalent. Requires a minimum of 2 years customer service experience. Requires a minimum of 2 years clerical/administrative experience. Experience in a life insurance environment preferred.