Laureen Rios
Houston
Summary
Dynamic Life Insurance Agent with Lincoln Heritage Life Insurance, skilled in insurance policy sales and client retention. Proven track record of increasing sales through effective negotiation tactics and personalized service. Developed comprehensive financial plans, enhancing client satisfaction and fostering long-term relationships while streamlining processes for improved efficiency.
Overview
19
19
years of professional experience
Work History
Life Insurance Agent
Lincoln Heritage Life Insurance
11.2019 - Current
- Participated in professional development opportunities such as training sessions and conferences to stay informed on best practices within the life insurance industry.
- Attended continuing education courses and workshops to gain additional insurance industry knowledge.
- Crafted clear, informative reports to explain life insurance policy features and benefits.
- Developed comprehensive financial plans for clients, ensuring proper coverage and security for their families.
- Cultivated customer relationships to provide customized life insurance solutions tailored to individual needs.
- Retained existing clientele through regular follow-ups, policy reviews, and timely adjustments based on changing circumstances or needs.
- Leveraged industry knowledge to educate potential clients on the importance of life insurance, resulting in increased policy awareness and sales conversions.
- Analyzed customers' financial situations to recommend appropriate life insurance policies.
- Assisted clients in navigating complex claims processes, ensuring timely payouts and minimal stress during difficult times.
- Streamlined the application process for clients, resulting in faster policy approvals and improved customer satisfaction.
- Improved client retention rates by offering tailored policy recommendations that met their unique requirements and goals.
- Provided exceptional customer service by addressing concerns promptly and maintaining open lines of communication.
- Explained advantages, features, and disadvantages of various policies to promote sale of plans, boosting overall sales Number%.
- Delivered informative presentations to potential clients about the benefits of life insurance policies, generating interest and driving sales growth.
- Retained up-to-date industry knowledge for accurate, well-informed customer interactions.
- Conducted thorough risk assessments on potential clients, accurately determining appropriate policy rates and terms.
- Increased client satisfaction by providing personalized and knowledgeable life insurance consultations.
- Built long-term relationships with clients by offering attentive service and ongoing support for their life insurance needs.
- Increased sales of life insurance products through tactical customer outreach.
- Established trust with prospective customers by providing accurate information about available policies and transparent pricing structures.
Collections Agent
Alltran Financial
02.2012 - 04.2015
- Built rapport with customers by demonstrating understanding of their situation while seeking fair resolutions.
- Processed payments and applied to customer balances.
- Maintained high volume of calls and met demands of busy and productive group.
- Negotiated to collect balance in full.
- Achieved successful debt collection results by utilizing negotiation skills and developing customized payment plans.
- Provided exceptional customer service by empathizing with clients'' financial situations while working towards mutually beneficial solutions.
- Increased productivity levels through efficient time management and prioritization of daily tasks.
- Exceeded monthly targets consistently as a result of strong negotiation skills combined with effective account management strategies.
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
- Worked in call center environment handling manual and automatically dialed outbound calls.
- Enhanced client relationships by consistently maintaining clear communication and promptly addressing concerns.
- Managed past due collection calls, skip tracing, outside collections agency coordination and litigation activities.
- Complied with fair debt practices and regulatory guidelines and kept current with changing regulations.
- Counseled debtors on payment options and arranged installment agreements.
- Persistently reached out to customers with extremely past due accounts to recover lost revenue.
- Streamlined the collections process for increased efficiency with detailed record-keeping and timely followups.
- Trained new collections representatives on collections processes and incentivized team members to achieve production goals.
- Maintained strict compliance with all federal, state, and company regulations during each step of the collections process.
- Collaborated with various departments to ensure accurate billing information and resolve any discrepancies promptly.
- Negotiated with account holders to devise repayment plans and minimize collections receivables.
Collections Agent
FMA
11.2005 - 04.2012
Education
Real Estate License -
Champions Real Es
Houston, TX05.2016
Diploma - Diploma
Maude Creek
Houston, TX06.1994
Skills
- Insurance policy sales
- Building relationships
- Client service
- Client account management
- Negotiation tactics
- Cross-selling techniques
- Lead prospecting
- Upselling strategies
- Client retention
- Referral generation
Languages
Spanish
Native or Bilingual
Timeline
Life Insurance Agent
Lincoln Heritage Life Insurance
11.2019 - Current
Collections Agent
Alltran Financial
02.2012 - 04.2015
Collections Agent
FMA
11.2005 - 04.2012
Real Estate License -
Champions Real Es
Diploma - Diploma
Maude Creek
Similar Profiles
Latonya CurryLatonya Curry
Insurance Sales Agent at Lincoln Heritage Life InsuranceInsurance Sales Agent at Lincoln Heritage Life Insurance
Maria G CarriónMaria G Carrión
Independent Insurance Agent at Lincoln Heritage Life InsuranceIndependent Insurance Agent at Lincoln Heritage Life Insurance
Brittany HeidbrederBrittany Heidbreder
Service Representative at Lincoln Heritage Life InsuranceService Representative at Lincoln Heritage Life Insurance