Cheryl Loveland
Newark,DE
Summary
Accountable Insurance Representative with excellent client management and insurance plan promotion. Highly effective juggler of multiple competing responsibilities simultaneously. Proven history of exceptional time management and customer service. Dedicated life insurance professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand. Ambitious Enrollment Specialist with exemplary listening and communication skills. Adept at planning, organizing and facilitating enrollment process. Dedicated to keeping customers happy and maximizing employee participation. Meticulous Enrollment Specialist with a comprehensive background in Life/Health Insurance. Exceptional abilities in accurate recordkeeping and maintaining customer confidentiality. Outstanding evaluation, billing and accounting expertise. Results-driven professional provides customers with tailored solutions to meet needs. Successfully establishes relationships with customers and delivers quality service. Agile individual with excellent communication and customer service skills.
Overview
34
34
years of professional experience
Work History
Medicare Insurance Agent
Lancesoft/ AetnaCVS
10.2023 - 01.2024
- Enhanced client satisfaction by providing knowledgeable guidance on Medicare plan options and enrollment procedures.
- Streamlined application process for clients, ensuring accurate and timely submission of required documentation.
- Consistently met or exceeded sales targets by effectively communicating benefits of various Medicare insurance plans.
- Collaborated with team members to share best practices and strategies for overcoming challenges in ever-changing insurance landscape.
- Stayed current on industry trends and changes in regulations, enabling informed recommendations to clients seeking optimal coverage solutions.
Enrollment Representative
Pearson Online Education
06.2023 - 08.2023
- Accepted both inbound and outbound calls
- Educated parents on information about Connections Academy in different states, information session dates and times, and set up their initial accounts to start registration
- Used Teams to effectively speak with management, peers, and support teams
- Documented all calls with results and any important information.
- Enhanced student enrollment by effectively managing relationships with prospective students and guiding them through application process.
- Streamlined enrollment procedures for increased efficiency and improved student experience.
- Maintained accurate and up-to-date records of prospective and enrolled students, ensuring seamless communication between departments.
- Provided exceptional customer service to prospective students, addressing their concerns and answering questions about programs offered.
Medicare Insurance Agent
Platinum Choice Healthcare
05.2022 - 05.2023
- Worked with customers for thorough review of their Medicare Benefits to ensure maximum benefits and best plan options
- Handled enrollment process for customers wanting to change plans
- Used Slack program for all information needed to assist clients
- Maintained steady call flow from advance telemarketers
- Completed automation from home/remote.
- Enhanced client satisfaction by providing knowledgeable guidance on Medicare plan options and enrollment procedures.
- Streamlined application process for clients, ensuring accurate and timely submission of required documentation.
- Consistently met or exceeded sales targets by effectively communicating benefits of various Medicare insurance plans.
- Collaborated with team members to share best practices and strategies for overcoming challenges in ever-changing insurance landscape.
Medicare Insurance Agent
Teleperformance
09.2021 - 12.2021
- Performed reviews on existing Medicare customers confirming best plan options
- Used UnitedHealthCare program to enroll newly eligible 65+ customers
- Maintained quality assurance on every call following Medicare guidelines.
- Enhanced client satisfaction by providing knowledgeable guidance on Medicare plan options and enrollment procedures.
- Streamlined application process for clients, ensuring accurate and timely submission of required documentation.
- Built lasting relationships with clients through attentive listening and personalized service, resulting in a high rate of return business.
Life Insurance Agent
Assurance, LLC.
11.2019 - 09.2021
- Handled inbound telephone customers and provided coverage option information to assist clients in protecting assets
- Obtained underwriting approval by completing customers' application for life insurance coverage
- Explained advantages, features, and disadvantages of various policies to promote sale of plans.
- Increased client satisfaction by providing personalized and knowledgeable life insurance consultations.
- Boosted policy sales through proactive client outreach and effective marketing strategies.
- Built long-term relationships with clients by offering attentive service and ongoing support for their life insurance needs.
- Developed comprehensive financial plans for clients, ensuring proper coverage and security for their families.
Life Insurance Agent
The Patriot Insurance Group
10.2017 - 11.2019
- Determined client needs and financial situations by listening and scheduling fact-finding one-on-one appointments
- Approached potential clients by using direct marketing mailings and phone contacts
- Promoted 90% client retention through high-quality service and follow through during annual renewal period.
Independent Life Insurance Agent
Lincoln Heritage
08.2013 - 10.2018
- Provided coverage option information to assist clients in protecting assets
- Exceeded corporate quotas for monthly policy sales
- Promoted products and services using upselling and other sales strategies
- Maintained high standards of customer service by building relationships with clients.
- Explained advantages, features, and disadvantages of various policies to promote sale of plans, boosting overall sales
Independent Life Insurance Agent
Bankers Life And Casualty
12.2012 - 06.2013
- Provided coverage option information to assist clients in protecting assets
- Exceeded corporate quotas for monthly policy sales
- Promoted products and services using upselling and other sales strategies
- Attended continuing education courses and workshops to gain additional insurance industry knowledge.
Collections Representative
Simm Associates
05.2007 - 12.2009
- Used skip tracing resources to locate debtors and updated information in company system
- Counseled debtors on payment options and arranged installment agreements
- Monitored accounts for compliance with established payment plans and flagged non-compliances.
- Improved collections efficiency by implementing strategic negotiation techniques and customer service skills.
- Reduced delinquency rates for assigned accounts through persistent follow-up and effective communication.
- Enhanced client satisfaction with timely resolution of disputes and clarification of billing issues.
- Boosted recovery percentages by establishing payment plans tailored to individual debtor circumstances.
- Maintained accurate records of all collection activities, ensuring compliance with company policies and industry regulations.
- Streamlined collection processes by collaborating with cross-functional teams to identify areas for improvement.
Debt Management Specialist
Bank Of America
12.2004 - 05.2007
- Monitored bond arbitrage compliance to meet expenditure schedule requirements and maximize interest earned
- Evaluated credit reports to uncover problems and develop strategies for consolidating and reducing client debt.
- Reduced delinquency rates by implementing effective debt management strategies and proactive communication with clients.
- Increased client satisfaction levels through personalized debt management plans and ongoing support.
- Streamlined debt collection processes, resulting in faster resolution of overdue accounts and improved cash flow for the organization.
- Collaborated with other financial specialists to develop customized solutions for clients struggling with debt repayment.
- Assisted clients in negotiating settlements with creditors, leading to mutually beneficial resolutions and reduced financial strain.
Customer Service Collections Representative
Bank Of America (MBNA)
09.2002 - 12.2004
- Progressed through five levels of delinquency in thirteen months
- Exhibited high energy and professionalism when dealing with clients and staff
- Cross-trained and provided backup for customer service managers
- Increased efficiency and team productivity.
- Increased customer satisfaction by promptly addressing and resolving account issues.
- Streamlined collections processes for improved efficiency and faster debt recovery.
- Reduced delinquency rates with proactive communication and targeted payment plans.
- Developed tailored payment arrangements to maximize revenue recovery while maintaining customer relationships.
Special Events Manager/Trainer
The Columbus Inn
09.1999 - 08.2002
- Managed administrative logistics of event planning, event booking, and event promotions
- Fulfilled contractual obligations for rehearsal and day of event coordination
- Attended bridal industry events to promote services and build relationships with prospective vendors.
Store Manager of Three Different Stores
The Gap
09.1989 - 01.1995
- Applied performance data to evaluate and improve operations, target current business conditions, and forecast needs
- Managed a team of 15 to 20 employees, overseeing hiring, training, and professional growth of employees
- Coached sales associates in product specifications, sales incentives, and selling techniques, significantly increasing customer satisfaction ratings
- Protected the store from loss or theft by setting and enforcing clear security policies
- Developed a new store location from the ground up by hiring and training an efficient team.
- Increased store profitability by implementing cost-saving measures and efficient inventory management strategies.
- Improved customer satisfaction through staff training in customer service and product knowledge.
- Maximized sales by creating innovative visual merchandising displays and store layouts.
- Developed a successful employee retention plan, reducing staff turnover rates significantly.
- Managed daily operations to ensure smooth functioning of the store, maintaining a clean, safe environment for customers and employees.
- Streamlined purchasing processes, negotiating with vendors for better prices and payment terms.
Education
Bachelor of Arts - Business Management
Pennsylvania State University
University Park, PA08.1988
Skills
- Premium calculations
- Clientele Development
- Insurance Coverage
- Administrative Functions
- Financial Needs Assessment
- Verbal and Written communication
- Time Management
- Account management
- Management positions
- Goal-Oriented
- Follow-Up Skills
- Customer Service
- Computer Literacy
- Relationship Building
- Empathy and Compassion
Timeline
Medicare Insurance Agent
Lancesoft/ AetnaCVS
10.2023 - 01.2024
Enrollment Representative
Pearson Online Education
06.2023 - 08.2023
Medicare Insurance Agent
Platinum Choice Healthcare
05.2022 - 05.2023
Medicare Insurance Agent
Teleperformance
09.2021 - 12.2021
Life Insurance Agent
Assurance, LLC.
11.2019 - 09.2021
Life Insurance Agent
The Patriot Insurance Group
10.2017 - 11.2019
Independent Life Insurance Agent
Lincoln Heritage
08.2013 - 10.2018
Independent Life Insurance Agent
Bankers Life And Casualty
12.2012 - 06.2013
Collections Representative
Simm Associates
05.2007 - 12.2009
Debt Management Specialist
Bank Of America
12.2004 - 05.2007
Customer Service Collections Representative
Bank Of America (MBNA)
09.2002 - 12.2004
Special Events Manager/Trainer
The Columbus Inn
09.1999 - 08.2002
Store Manager of Three Different Stores
The Gap
09.1989 - 01.1995
Bachelor of Arts - Business Management
Pennsylvania State University
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