Heather Sonner
Lanesville,IN
Summary
Insurance Professional with a track record of delivering client-focused solutions and driving positive outcomes. Adept at navigating complex policies, risk assessment, and customer relationship management. Strong analytical, communication and teamwork skills, with ability to quickly adapt to new environments. Consistently reliable in achieving organizational goals. Skilled in sales strategies, policy analysis, and client advisory services.
Overview
34
34
years of professional experience
Work History
Insurance Agent
Bankers Life Insurance
07.2018 - Current
- Generate leads by networking, marketing, and following up on referrals and direct inquiries.
- Conduct needs assessments to understand clients' specific healthcare, financial situations, and retirement goals.
- Present and sell various insurance products, such as Medicare Advantage plans (Part C), Prescription Drug Plans (Part D), Medigap policies, life insurance, and annuities.
- Customize insurance programs to best fit individual clients or groups.
- Educate clients on the features, benefits, and costs of different policies using easy-to-understand language.
- Assist with enrollment, helping clients complete applications and navigate the sign-up process.
- Provide ongoing support by reviewing and updating policies as client needs change.
- Help with claims processing and act as an intermediary between clients and the insurance company.
- Maintain accurate client records and documentation.
- Ensure compliance with all state and federal regulations, including those from the Centers for Medicare & Medicaid Services (CMS).
- Stay informed about changes in regulations, new products, and industry trends by completing continuing education (CE) requirements.
- Licensing: I Currently hold a valid state-specific health and life insurance license in Indiana and Kentucky. As a Medicare-focused agent we are also required to complete annual America's Health Insurance Plans (AHIP) certification with all companies.
Property Field Adjuster
American Family Insurance
08.2008 - 06.2013
- Evaluated property damage and assessed claims to determine liability and coverage under insurance policies.
- Collaborated with policyholders, contractors, and legal teams to facilitate effective claim resolutions.
- Inspected properties for damages using advanced technology and software systems for accurate reporting.
- Developed comprehensive reports detailing findings, recommendations, and estimated repair costs for claims processing.
- Streamlined claim processing workflows to enhance efficiency and reduce turnaround times for customer service satisfaction.
- Maintained up-to-date knowledge of industry regulations and compliance requirements to mitigate risks in claims handling.
- Reduced fraudulent claims by conducting thorough investigations and identifying inconsistencies in reported damages.
- Balanced workload effectively while maintaining a high level of accuracy, prioritizing tasks based on urgency and importance for overall business objectives.
- Maintained compliance with state regulations and company policies through continuous professional development and training sessions.
- Developed strong relationships with local contractors, expediting repair work for policyholders and resulting in faster claim resolutions.
- Increased efficiency in claim processing by utilizing industry-standard software for documentation and communication.
- Managed complex claims involving multiple properties or significant loss values effectively while adhering to strict deadlines imposed by insurance carriers or state statutes of limitations.
Property Field Adjuster
Travelers Insurance
11.2001 - 08.2008
- Evaluated property damage and assessed claims to determine liability and coverage under insurance policies.
- Collaborated with policyholders, contractors, and legal teams to facilitate effective claim resolutions.
- Inspected properties for damages using advanced technology and software systems for accurate reporting.
- Developed comprehensive reports detailing findings, recommendations, and estimated repair costs for claims processing.
- Streamlined claim processing workflows to enhance efficiency and reduce turnaround times for customer service satisfaction.
- Maintained up-to-date knowledge of industry regulations and compliance requirements to mitigate risks in claims handling.
- Reduced fraudulent claims by conducting thorough investigations and identifying inconsistencies in reported damages.
- Balanced workload effectively while maintaining a high level of accuracy, prioritizing tasks based on urgency and importance for overall business objectives.
- Maintained compliance with state regulations and company policies through continuous professional development and training sessions.
- Developed strong relationships with local contractors, expediting repair work for policyholders and resulting in faster claim resolutions.
- Increased efficiency in claim processing by utilizing industry-standard software for documentation and communication.
- Managed complex claims involving multiple properties or significant loss values effectively while adhering to strict deadlines imposed by insurance carriers or state statutes of limitations.
Workers' Compensation Claims Adjuster
Travelers Insurance
02.1992 - 10.2001
- Managed complex workers' compensation claims from inception to resolution, ensuring compliance with regulations.
- Collaborated with medical professionals and legal teams to assess claim validity and determine appropriate benefits.
- Conducted thorough investigations of incidents to gather evidence, analyze information, and establish liability.
- Evaluated medical documentation and treatment plans for accuracy, ensuring alignment with state guidelines.
- Implemented effective communication strategies with claimants to provide updates and address inquiries promptly.
- Conducted day-to-day administrative tasks to maintain information files and process paperwork.
Education
High School Diploma -
New Albany Senior High School
New Albany, INSkills
- Customer service
- Licensed insurance agent
- Professionalism and ethics
- Critical thinking
- Policy Knowledge
- Negotiation
- Account management
- Client retention
- Regulatory compliance
- Risk mitigation
- Industry regulations
Timeline
Insurance Agent
Bankers Life Insurance
07.2018 - Current
Property Field Adjuster
American Family Insurance
08.2008 - 06.2013
Property Field Adjuster
Travelers Insurance
11.2001 - 08.2008
Workers' Compensation Claims Adjuster
Travelers Insurance
02.1992 - 10.2001
High School Diploma -
New Albany Senior High School
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