Summary
Overview
Work History
Education
Skills
Accomplishments
Affiliations
Certification
Interests
Timeline
Twice recruited anonymously based on performance to hold positions of teaching to adults.
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Kim Hart

Kim Hart

Champlin

Summary

Dynamic professional with 20+ yrs of Top 5 monthly Agent award success! Consistent in sales closing, persistent in exceeding required coursework in Medicare, MNsure and Annuity Sales & Suitability regulatory compliance. In person positive outcome in complex sales cases, and customer relationship management. Known for developing impactful training materials and implementing innovative sales event strategies, driving significant referral & add-on products sales revenue growth.

Overview

5
5
Certification
36
36
years of professional experience

Work History

CSA, Broker in Health, Life, Disability & Annuitie

H.A.R.T. Ins Powered by IMO Integrity/FMO American Senior Benefits of MN
7094 E Fish Lake Rd, Maple Grove, MN 55316
10.2008 - Current
  • Negotiated sales contracts to secure favorable terms and enhance client relationships.
  • Developed training materials for new brokers: a Compliant Medicare Options Chart unique to Minnesotans, an Income T-Chart for Suitability, Diagram Design of a FIA performance: used by Corporate trainers at their Annual Sales brokers Insurance American Senior Benefits College
  • Mentored junior brokers, providing guidance on best practices and industry insights for professional growth.
  • Developed and implemented sales strategies to increase revenue: The McCabe Nod, Cross-selling, Targeting and building COI's, centers of influence & Referral acquisition.
  • Increased sales revenue by consistently meeting and exceeding sales targets through effective educational client presentations and negotiating a close.
  • Utilized CRM tools to manage pipeline effectively and track progress towards achieving individual goals.
  • Developed expertise in niche markets so I am often the "Go To" broker for Tough detailed Medicare prospects & Q&A.
  • Conducted regular follow-up calls with prospects to nurture leads throughout the sales process; at 95% referrals after 5 years in Insurance sales. 5% from Events.
  • Leveraged social media platforms strategically to build my Medicare Guru nickname presence online, driving FB & LInkedIN web traffic that led to increased sales inquiries.
  • Participated in industry conferences & networking events to establish professional connections & stay informed: local Chambers, ASB College Training & Networking: Senior Events; Center for Medicare Advocacy work & AARP.
  • Built & managed key clients accounts as high referral Centers of Influence through education that strengthened relationships and ensured long-term retention.
  • Maintained accurate records of all sales activities, including client meetings, presentations, proposals, and contracts.
  • Responded via telephone and email to questions regarding licensing, commissions, website logins and Client use of Medicare, LTCI and MNsure website navigation.
  • I initiate & mgmt often asked me to conduct research to answer questions & handle issues using various resources.
  • Knowledgeable of Medicare Center for Recorded Calls supporting documentation for sales calls & compliance.
  • Used consultative "Missouri" sales approach to meet customer needs for education & understanding followed by discovery of each customers' needs & wants to recommend suitable product customized solution options.
  • Contacted customers to serve as well as add-on sales and prospects to generate new business revenue.
  • Worked with sales team to collaboratively reach targets, consistently meeting or exceeding personal quotas.
  • Supported customers continuously from sales process to product set-up and use.
  • Researched potential clients and markets to prepare for appointments on the MN Partnership for LTCI Act of 2008.
  • Leveraged proven sales methods to increase new demonstrated products awareness and specific features at customer locations and special events in home & fairs.
  • Used Salesforce, MAX & Business Builder etc to maintain company essential database with sales information.
  • Recruited to interact with problematic accounts, helping to build lasting rapport and boosting revenue opportunities.
  • Proactively managed client correspondence and recorded tracking and communications.
  • Reconciled billing discrepancies with regulatory agencies, Medical center billing offices and finance departments.
  • Often advocated for clients through Medicare Coding issues from Care Billing dept's for health and prescription insurance products claims systems. Recruited by Rasmussen College local Academy of Medicare bill coders.
  • Created and implemented marketing strategies and proposed innovative ideas to attract new clients.
  • Targeted prospective clients by reviewing business directories, building database of leads from attending networking events.
  • Mentored junior advisors, fostering skill development and professional growth within the team.
  • Complemented branch training sessions on best practices, ensuring compliance and knowledge retention among staff.
  • Enhanced client relationships by providing referrals to expert strategic partners to meet their other needs.
  • Crafted suitable financial security with insurance product sales solutions for each client based upon his or her needs for asset protection future goals resulting in low attrition.
  • Championed during our ASBMn toddler stage a new focused Business Model of a One-Stop Shop shared office space of experts by identifying outdated sales processes. This created new best practices increasing referral sales.
  • Reviewed healthcare insurance coverage and offered advice on supplemental Medigap policy types OR Medicare Advantage Managed Care membership plans.
  • Participated in industry conferences and networking events as a company representative, expanding brand recognition within the MNsure and Medicare marketplace.
  • Helped seniors during transition to assisted-living facility & annually fill out their expense reports for aid in rent owed.
  • Assessed income & investments to recommend to speak with financial advisor based on financial position and goals.
  • Assisted clients with financial planning using insurance to meet desired security & predicatability in financial goals.
  • Earned accreditation and certification in Health, Disability, Life, Long Term Care & Fixed annuities as a Certified Senior Advisor.
  • Fostered culture of positivity, excellence and continuous improvement, pushing for regular team-building activities.
  • Achieved top employee performance ratings, fostering environment of accountability and support.

Telcom District Sales Manager, CSR

MCI Snyder & Midwest TeleCommunications
St Paul, MN
01.1990 - 05.1995
  • Led Small Business to Business district sales strategy to achieve revenue targets and enhance market share.

  • Analyzed market trends to identify opportunities for growth and adjust sales tactics accordingly while fostering relationships with key clients, ensuring satisfaction and expansion of my 8 rep sales team in my MN branch into 25 sales reps opened offices in WI, IA and SD within 12mos.

Education

Bachelor of Science - Triple B.S. in Business Mgmt, HR & Telcom Mgmt

St Mary's University of MN
Mpls, MN
10-2002

Skills

  • Anonymously recruited from my Sales clients work on their behalf to speak in 2019 at the Rasmussen College local Chapter of Medicare Medical coders to aid them in language to use when speaking to a Medicare coding rep!
  • Published in national InsuranceNews Magazine article for Top Successful Sales Techniques: My entry was Niche Networking for Referral Business sales
  • Problem resolution - adept in dealing with CMS, insurer Underwriting depts, beneficiary benefits and claims collection resolution on my clients behalf
  • Team collaboration - in 2008 took initiative and responsibility for diagramming out the still used today strategic partners Business Model used by all agents and CFPs at ASBMN, Ascent Financial, at that time GASBMn
  • Product knowledge - often praised for my quick understanding of Fixed vendor annuity products into layperson terminology for effective client understanding
  • Complex Problem-solving- I am the "go to" with all unique non-standard & Special Populations Medicare prospect sales cases I am calm & professional under pressure
  • MS office, SalesForce, Business, Builder, Medicaregov, SSAgov, MAX Pro, IPipeline, Firelight,CSG Actuarial Quote
  • Sales closing - I have 99% closing ratio on 1st time Medicare prospect product sales consultation
  • Remote office availability - flexible since 2002 to present
  • Regulatory compliance - my peers & mgmt call me on this

Accomplishments

  • Supervised team of 2 to 25 staff members in Telcom & Insurance small business and individual sales.
  • Author of “Short article on my strategic Networking published in InsuranceNews in_________.
  • Achieved 100% SEP acceptance of UCARE disenrollees seeking coverage under CMS/MN Guaranteed Issue Right under bankruptcy by completing 80hr work weeks 7days a weeks for 120 days straight with only one day off with accuracy and efficiency. Meanwhile also running AEP D best plan searches for Seniors & the disabled non-seniors.
  • Achieved more clients by inventing a Retirement Income T-Chart of a current Couple's & future Widow income model based on & completing fixed Income facts with accuracy and efficiency which also led to projected additional income from add-on custom suitable sales of guaranteed additional income from insurance on non-qualified and qualified accounts.
  • Achieved an easier to comprehend Medicare & You Guidebook in 2010 & future publications by completing a request from CMS that I join their Volunteer Publications Proof and Review Board. Which is where I received for 2 years in stamped ROUGH DRAFT black & white format to proofread to remove redundancy and transform "government speak" into "layperson" terminology with Blue tabs for "what's new", accuracy and efficiency.
  • Documented and resolved my Medicare client's hardship from seeking reimbursement failures to succeed on an UnitedHealthCare Extended Basic Medigap manual claim for non-Medicare covered 6 weeks of skilled nursing transitional care. My work directly led to UHC reimbursing my client his entire $17,000 even though my client had NOT met 1st the traditional Medicare required 3 night in-patient status. I pushed back at both UHC legal & claims dept's to read his Non-Medicare coverage section of his policy. He failed for 6 mos before alerting me, within 6 mos I had it resolved.

Affiliations

NABIP/MAHU, The Center for Medicare Advocacy, NPR Radio Fm 91.1, Channel 2 PBS, AARP. NAPA. Veterans of America Volunteers. PAST IBEW, ASF to volunteer with Betty Beier to Rough Draft proofread for inclusivity & compliance the HealthCare Choice for Minnesotans on Medicare Magazine.

Certification

  • Health, Life & Disability License - 2002 to Present MN 20327999; also IOWA and Wisconsin NPN 7269285
  • Certified Senior Advisor from WEB CE, April 2024 to present
  • Certified Field Sales Manager 2010 to 2017, then Unit Sales Manager ASBMn
  • Certified MNsure Assister broker #5390088 7/2013 to present.
  • Medicare Fraud, Waste & Abuse, CMS May 2002 to present
  • Certified in Partnership for Long Term Care Act knowledge and sales. WEB CE, as are many of my speciality courses.
  • Certified to sell through WEBCE Fixed Annuities & Social Security Advanced Knowledge.
  • Currently seeking an MN Educators teaching certificate....

Interests

Folk-dancing at Tapestry Dance Studios in Mpls; USA Ballroom & Western dancing through various schools like Arthur Murray;

Stand-up Paddleboarding; Boating and Waterskiing Hunting small game Fishing of all kinds; Target Shooting

Educational outings to the ZOO, Children's Museum & Science Museum of MN, the MN History Museum, The Walker Art Center and Live Stage Theatre various venues with my grandkids, family & friends;

Exploring & Adventure Travel, Haunted Tours, Woodworking & Architectural Tours

Timeline

CSA, Broker in Health, Life, Disability & Annuitie

H.A.R.T. Ins Powered by IMO Integrity/FMO American Senior Benefits of MN
10.2008 - Current

Telcom District Sales Manager, CSR

MCI Snyder & Midwest TeleCommunications
01.1990 - 05.1995

Bachelor of Science - Triple B.S. in Business Mgmt, HR & Telcom Mgmt

St Mary's University of MN

Twice recruited anonymously based on performance to hold positions of teaching to adults.

In 1988 out of the blue I received a call from the hiring department at the Anoka Hennepin Vo-Tech, stating that they were sworn to their source not to reveal who they were, yet were convinced from how they saw me run my past position of Server, Host given night manager responsbilities when there was no manager to substitute for 6 mos within their Restuarant Business Program as teacher of the Restaurante Dining Mgmt course along side Chef/Instructor Wolfe Pointner, who taught the Chef Cooking Course within the same area.

Around 2017 I was contacted by Dawn Bushnell an Oncology Admin/Grant/Patience Supervisor at Unity Oncology in Fridley, MN, who said she also could not reveal who told her too, but would I come speak to her local Rasmussen College Class of a local chapter of the Academy of American Medicare coders on best practices for billing successfully the patience claims to Original Medicare. A couple of Drs whom she works with, a Dr Thomas Amatruda and Dr West then began for be wonderful plentiful referral resources from no solicitation on my part, only word of mouth. 

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