Deborah Radivo
Centreville,MD
Summary
Dedicated life insurance professional with a history of meeting company goals utilizing consistent and organized practices. Strong leader and problem-solver dedicated to streamlining operations to decrease costs and promote organizational efficiency. Documented strengths in building and maintaining relationships with diverse range of clients. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
34
34
years of professional experience
Work History
Director Executive Benefits
The Jacobs Company, Inc.
04.2016 - 04.2023
- Life Insurance Protection - met with clients to complete needs analysis, conducted life insurance field underwriting, provided medical underwriting case management support, completed policy review analysis. Based on case design, prepared marketing materials and sales illustrations. Provided education on Business Succession and Key Person Planning, 101(j) requirements for business owned life insurance, Goodman Rule violations, Trust Owned Life Insurance implementation
- Long Term Care Protection - completed pre-screening questions, discussed needs and case design, requested illustrations and sales materials directly from Carrier
- Medicare Supplement - met with clients to review parts of traditional Medicare and transitioning off employer group insurance. Determined if clients are in their initial enrollment period or special enrollment period. Based on enrollment period, prepared marketing materials, plans and pricing, made Medicare Supplement plan recommendations, assisted clients throughout the enrollment process to policy issue
- Individual Disability Income Protection- completed field underwriting and gathered information related to health, industry, income, current coverage, income . Worked with Carriers on case design and desired riders.
- Individual Medical and Dental - gathered information to prepare individual medical and dental plans and pricing off exchange. Met with clients to review best plan and assisted with enrollment process and obtaining proof of qualifying event. If current client, assisted with prior policy termination. Worked with Carriers to help resolve claim or policy issues.
Director Client Services
Moscker Insurance Agency, Inc.
01.2013 - 03.2016
- Responsible for managing the sales operations and for assisting with the marketing strategy of the organization. Coordinated and organized the sales cycle to include external production partners and within the agency. Assisted in developing the strategic and tactical plans to grow revenue and achieve market share. Managed the internal sales process and provided marketing support. Effectively communicated with clients to keep them updated on the progress of their insurance applications to include life protection, long term case, individual disability, individual medical and dental. Assist in organizing the office operations to improve efficiency and accountability through the identification and implementation of new methodologies, processes, procedures and systems. Exceptional customer focus and communication skills.
Marketing Consultant
Belman Klein Associates, Ltd.
02.2007 - 11.2012
- Manage relationships with various financial professionals and assisted with proactive placement strategies for life insurance business submitted to the agency. Identify opportunities with clients and developed customized solutions through policy review analysis, advanced case design and point of sale support. Educate brokers on current concepts and market trends through innovative products offered by the highest rated carriers. Provided pre-sale and marketing support to brokers in brokerage wire houses, independent life agencies, property and casualty firms, CPA firms and group employee benefit firms.
Insurance Coordinator
Merrill Lynch
09.1997 - 02.2007
- Accountable for the administration and sales support of two Wealth Planning and Business Insurance Specialist with territories in Maryland, Washington, DC and Northern Virginia. Provided pre-sale and marketing support to Merrill Lynch Financial Advisors, Client Associates, and Branch Office Personnel, using estate planning tools and provided sales illustrations and prospectuses. Communicated with high net worth clients to take life insurance applications and manage the medical underwriting requirements and process. Analyzed in-force life insurance ledgers and provided life insurance policy reviews. Assisted Financial Advisors with licensing support and compliance questions. Worked as a liaison between Wealth Planning Specialists, Financial Advisors, Underwriters, Case Managers, Wholesalers, Estate Planning Attorney's and Clients to secure underwriting requirements and life insurance offers.
Claims Examiner / Benefits Payment Specialist
Provident Mutual Life And Annuity Company
04.1993 - 07.1997
- Annuity Death Claims Examiner, Annuity Payments Specialist and Life and Annuity Customer Service Representative. Assited Life and Annuity policy holders with policy changes and termination. Processed annuity death claims and discussed payment options with beneficiaries. Kept detailed benefit payment records for tax reporting.
Insurance Agent
Prudential Financial Services
12.1991 - 06.1992
- Analyzed customer needs to provide customized insurance solutions.
- Conducted annual reviews of existing policies to update information.
- Educated clients on insurance policies and procedures.
- Determined financial needs by assessing existing coverage and aligning new products and services with long-term goals.
- Monitored changes in insurance industry to stay compliant with relevant laws and regulations.
- Generated leads through cold-calling, networking and other outreach methods.
Employee Benefits Coordinator
Corporate Benefit Solutions, Inc.
05.1990 - 09.1991
- Structured group employee benefits for small business owners. Maintained high qualify customer service relationships with block of assigned business clients.
Employee Benefits Specialist
Benefit Resources, Inc.
09.1989 - 05.1990
- Enrolled and managed small business owners group benefits plans. Provided excellent renewal and new business client support. Managed and serviced block of business
Education
Bachelor of Arts - Economics
St. Mary's College of Maryland
St. Mary's City, Maryland05.1986
Skills
- Self Starter
- Complex Problem-Solving
- New Business Development
- Critical Thinking
- Customer Relations
- Marketing
- Business Operations
- Excel Spreadsheets
- Microsoft PowerPoint
Licenses
Maryland resident - Life, Health and Medical License - 1989 - present
National Associates of Security Dealers, NASD: Series 6 - 1991 - 2019; Series 63 -1998 - 2019
Timeline
Director Executive Benefits
The Jacobs Company, Inc.
04.2016 - 04.2023
Director Client Services
Moscker Insurance Agency, Inc.
01.2013 - 03.2016
Marketing Consultant
Belman Klein Associates, Ltd.
02.2007 - 11.2012
Insurance Coordinator
Merrill Lynch
09.1997 - 02.2007
Claims Examiner / Benefits Payment Specialist
Provident Mutual Life And Annuity Company
04.1993 - 07.1997
Insurance Agent
Prudential Financial Services
12.1991 - 06.1992
Employee Benefits Coordinator
Corporate Benefit Solutions, Inc.
05.1990 - 09.1991
Employee Benefits Specialist
Benefit Resources, Inc.
09.1989 - 05.1990
Bachelor of Arts - Economics
St. Mary's College of Maryland
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