Summary
Overview
Work History
Education
Skills
Additional Information
Timeline
Generic

Esther Nebel

Orlando,FL

Summary

Committed and driven sales professional. Experienced in Personal Lines Insurance including Property & Casualty, Life, Health and Supplemental Insurance with over 20 years of combined financial lending and Insurance risk industry experience. Adept at fostering new business and customer loyalty through excellent sales and interpersonal skills.

Overview

24
24
years of professional experience

Work History

Personal Lines Insurance Sales Agent- Multi-State

Guaranteed Rate Insurance
Orlando, FL
02.2024 - Current
  • Identified opportunities for cross-selling additional services such as roadside assistance or extended warranties.
  • Researched policy provisions and underwriting guidelines to provide accurate quotes.
  • Prepared proposals, applications, renewals, endorsements, cancellations and other documents as required.
  • Maintained detailed records of client profiles and transactions using agency management system software.
  • Assisted customers in selecting appropriate coverage for their insurance needs.
  • Negotiated policy terms and premiums with potential clients, ensuring competitive offers.
  • Provided expert advice on risk management and helped clients choose the appropriate level of coverage.
  • Pursued continued professional development through insurance workshops, course and webinars.
  • Exceeded assigned sales and retention targets each quarter by upselling insurance products.

Independent Life & Health Insurance Sales Agent

Allstate Health Solutions/formerly HST
Orlando, FL
06.2020 - Current
  • Respond to inquiries and explain product features and service advantages to potential customers.
  • Provide Health Insurance plans offered by Allstate Health. Including supplemental plans and Medicare Advantage as well as ACA plans.
  • Offer Medicare Advantage plans with UHC, Anthem, Wellcare /Centene, Cigna insurance providers.
  • Advising prospects on Life Insurance options. Term, Whole life and Final Expense
  • Engage customers and provide high level of service by carefully explaining details about plans best suited for them.
  • Conduct telephone appointments with prospective clients to build rapport and sell insurance services.

Property & Casualty Insurance Agent

HUB International Insurance Services
Orlando, FL
06.2023 - 02.2024
  • Interview prospective clients to gather information on financial needs and discuss any existing coverage
  • Upsell products to policyholders and potential new clients
  • Offer policy guidance and management to promote asset protection
  • Analyze customer needs and provided best options, upselling products and services
  • Upsold products to policyholders and potential new clients.
  • Provided advice on the best type of casualty insurance policy for clients' needs.
  • Resolved customer complaints regarding their casualty insurance policies or services provided by the company.

Property & Casualty Insurance Agent

Dealer Policy/ Polly
Orlando, FL
10.2021 - 04.2022
  • Remote sales position selling P & C products - multi-states and over 20+ carriers.
  • Counseled prospects and policyholders on coverage, limits and regulations.
  • Remained current on latest industry trends by gaining comprehensive knowledge of financial and insurance products, services and best practices.

Personal & Commercial Insurance Sales Agent

State Farm
Davie , FL
06.2018 - 06.2020
  • Increased sales through consultative sales approach and focused relationship building with new and existing policy holders.
  • Upsold products to policyholders and potential new clients.
  • Responded to inquiries and explained product features and service advantages to potential customers.
  • Rewrote and reinstated insurance policies, following underwriting and business rules.
  • Provided daily quotes through Citizens website; the main Home Insurance carrier in the state of Florida.

Florida Licensed Mortgage Broker- Fl & TN

American Residential Mortgage
Ft. Lauderdale, Fl
01.2005 - 01.2018
  • Originated loans working with a variety of lenders
  • Prospects obtained from personal contacts and established relationships with local Realtors
  • Top originator of Foreign National loans for the company
  • Worked closely with processor and underwriters to ensure efficient and successful process to close the loans.

Mortgage Counselor

NACA Neighborhood Assistance Corporation of America
Miami, Fl
10.2014 - 08.2015
  • For a Non-for Profit Home Ownership Company Provided counseling to members to achieve
  • Home Ownership with an exclusive financing program funded by Bank of America and
  • Citibank
  • Worked closely with members following each step in detail from Savings and Financial restructuring to Credit Repair
  • Hosted weekly Home Purchase Seminars with an average attendance of over 200 NACA members
  • Originated an average of eighty 1003 Mortgage Applications a month
  • Worked directly with borrower through counseling all the way to closing and homeownership.

Client Advisor/Insurance Agent

Citibank, FSB
Key Biscayne, FL
05.2000 - 11.2002
  • Acquired, deepened, and retained customer relationships by matching appropriate products to customer's financial needs
  • Provided information on Asset allocation, debt management, retirement planning; also Life
  • Insurance products & Auto and Mortgage Loans
  • Consistently exceeded goals set by Branch manager.

Education

Some College (No Degree) - Management

Barry University
Miami, FL

Skills

  • Lead development
  • Cross-selling and upselling
  • Microsoft Computer skills
  • Customer follow-up
  • Insurance sales strategy
  • Applied Epic, Encompass CRM
  • Quote Rush, Vertafore, Turbo Rater and Bolt raters
  • Client retention
  • Organization
  • Fully Bi-Lingual/Spanish

Additional Information

  • 220 , General Lines License Multi-State 215 Life, Health & Annuity License Multi-State NPN3700930 Fl & TN Mortgage NMLS #1238552

Timeline

Personal Lines Insurance Sales Agent- Multi-State

Guaranteed Rate Insurance
02.2024 - Current

Property & Casualty Insurance Agent

HUB International Insurance Services
06.2023 - 02.2024

Property & Casualty Insurance Agent

Dealer Policy/ Polly
10.2021 - 04.2022

Independent Life & Health Insurance Sales Agent

Allstate Health Solutions/formerly HST
06.2020 - Current

Personal & Commercial Insurance Sales Agent

State Farm
06.2018 - 06.2020

Mortgage Counselor

NACA Neighborhood Assistance Corporation of America
10.2014 - 08.2015

Florida Licensed Mortgage Broker- Fl & TN

American Residential Mortgage
01.2005 - 01.2018

Client Advisor/Insurance Agent

Citibank, FSB
05.2000 - 11.2002

Some College (No Degree) - Management

Barry University
Esther Nebel