Jennifer Pelletier, BSN
Jacksonville,FL
Summary
Performance-driven insurance professional with demonstrated 20+ years of underwriting experience and success.
Overview
26
26
years of professional experience
1
1
Certification
Work History
Underwriting Consultant
Highland Capital Brokerage
Birmingham, AL
08.2022 - 02.2024
- Dedicated Underwriting Consultant for 20+ Signature Life SVPs
- Provide high level Life insurance, Long Term Care and Disability underwriting expertise during pre-sales and new business process
- Provide direction on ordering medical records, assist with carrier selection, summarize medical records, create carrier letters, evaluate carrier offers, negotiate offers with carriers and provide informal underwriting opinions to SVPs, marketing staff and brokers
- Understanding of life insurance process, medical, non-medical and financial risk selection, and reinsurance.
Senior Underwriting Consultant
Fortify Insurance Group
Westport, CT
03.2019 - 08.2022
- Analyze and classify risks for Life and Disability insurance to determine the best carrier option for initial application or if a better carrier option is available when a case is approved other than applied or declined
- Review medical records, paramedical examinations, financial statements and other data provided
- Summarize medical history for submission to carriers for more complex cases
- Partner with carrier Underwriters on most difficult cases to provide guidance to Fortify’s Case Design, Case Management and agents on best course of action
- Train and mentor new Case Designer, Case Managers and Jr
- Underwriter.
Case Coordinator
Fortify Insurance Group
Westport, CT
03.2019 - 08.2021
- Review, scrub and process insurance applications
- Place orders for paramedical examinations, medical records and tele-interviews via APPS, PDC, ExamOne and specific carrier sites
- Communicate with agents and carrier Underwriter/Case Manager regarding requirements and any negative action taken by carrier
- Summarize medical records, tele-interviews and paramedical examinations to shop OTA cases to other traditional and substandard market carriers.
Trainer/Auditor, Underwriting Quality and Production Team
Examination Management Services, Inc. (EMSI)
Irving, TX
10.2017 - 03.2019
- Conducted new hire training classes for Summary Underwriting Team and trained new Team Leads
- Educated trainees on summary guidelines for Life, Health, DI and LTC customers
- Provided MIB training
- Completed case audits for trainees and entire underwriting team.
Team Lead, Remote Summary Underwriting
Examination Management Services, Inc. (EMSI)
Irving, TX
07.2015 - 10.2017
- Reviewed and summarized medical records for delivery to customer underwriters
- Oversaw daily workload of Summary Underwriting Team
- Conducted live/backend audits
- Provided coaching on quality and production
- Responsible for onboarding of new team members.
Acting Supervisor
Examination Management Services, Inc. (EMSI)
Irving, TX
06.2016 - 08.2016
- Served as Supervisor for Summary team while direct Supervisor deployed on special project
- Created weekly prod/comp report
- Completed annual employee performance reviews
- Provided remedial training for Underwriters when needed.
Senior Individual Medical Underwriter
AvMed Health Plans
Jacksonville, FL
10.2008 - 12.2013
- Responsible for underwriting new business individual applications for all medically underwritten products
- Reviewed and summarized medical records, analyzed individual applications, claims data, prescription drug data, paramedical examinations and laboratory data and/or information from other sources to properly evaluate risk
- Responsible for training and auditing new and current co-workers on new processes and procedures, Policy Change Requests and system upgrades
- Responsible for guideline updates, Standard Operating Procedures documentation and letter composition.
Senior Individual Medical Underwriter
Florida Blue (formerly Blue Cross Blue Shield of FL)
Jacksonville, FL
04.2006 - 10.2008
- Underwrote more complex new policies and modifications to existing contracts
- Underwrote HMO product which has unlimited lifetime maximum payout
- Researched and developed written responses to complex applicant/policy holder appeals.
Individual Medical Underwriter
Florida Blue (formerly Blue Cross Blue Shield of FL)
Jacksonville, FL
05.2000 - 04.2006
- Determined acceptance of applicants requesting individual health coverage based on prior medical history, current health status, prognosis and anticipated future medical costs
- Reviewed and analyzed applications and information on medical and contractual/non-medical conditions that can affect morbidity based on established guidelines
- Responsible for evaluating up to $100M of BCBSF potential liability each day
- Conducted tele-interviews with potential applicants.
Service Associate
Florida Blue (formerly Blue Cross Blue Shield of FL)
Jacksonville, FL
08.1998 - 05.2000
- Proficient in claims processing, pricing and reimbursement
- Experience with PPO, POS, Traditional and HMO contracts.
Education
Bachelor of Science in Nursing -
Indiana University of Pennsylvania
12.1995
Working toward AALU
Skills
- Insurance Knowledge
- Data Collection
- Documentation Review
- Building Strong Relationships
- Risk Assessment
- Medical Terminology
- Problem Solving
- Critical Thinking
- Organization
- Communication
Certification
- ALU Certified Professional Underwriter
- ALU 101 - 10/2023
- ALU 201 - 4/2024
- HIAA Fundamentals of Insurance Part A
- HIAA Fundamentals of Insurance Part B
- Six-Sigma Yellow Belt
Timeline
Underwriting Consultant
Highland Capital Brokerage
08.2022 - 02.2024
Senior Underwriting Consultant
Fortify Insurance Group
03.2019 - 08.2022
Case Coordinator
Fortify Insurance Group
03.2019 - 08.2021
Trainer/Auditor, Underwriting Quality and Production Team
Examination Management Services, Inc. (EMSI)
10.2017 - 03.2019
Acting Supervisor
Examination Management Services, Inc. (EMSI)
06.2016 - 08.2016
Team Lead, Remote Summary Underwriting
Examination Management Services, Inc. (EMSI)
07.2015 - 10.2017
Senior Individual Medical Underwriter
AvMed Health Plans
10.2008 - 12.2013
Senior Individual Medical Underwriter
Florida Blue (formerly Blue Cross Blue Shield of FL)
04.2006 - 10.2008
Individual Medical Underwriter
Florida Blue (formerly Blue Cross Blue Shield of FL)
05.2000 - 04.2006
Service Associate
Florida Blue (formerly Blue Cross Blue Shield of FL)
08.1998 - 05.2000
Bachelor of Science in Nursing -
Indiana University of Pennsylvania
Working toward AALU
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