MICHAEL A. SMITH
Danbury,CT
Summary
Senior life insurance professional with extensive experience in case design, product illustrations, underwriting coordination, advanced sales support, and total policy analysis. Proven ability to structure complex cases, optimize product selection, and support advisors and clients through the full life insurance planning process. Deep knowledge of fixed, indexed, and income-based products with a consultative, detail-driven approach.
Overview
32
32
years of professional experience
1
1
Certification
Work History
Vice President
Rampart America/The Hilb Group
Uniondale, NY
12.2020 - 06.2025
- Guided producers on meeting criteria for policy approval.
- Led team of 12+ case managers, illustration professionals, and underwriters in troubleshooting and creative problem-solving.
- Provided oversight to Commission Department on matters including payment to producers.
- Collaborated with insurance company underwriters to ensure policies met federal and state regulations.
- Created advanced illustrations for complex sales.
- Leading life insurance general agency.
President
Rampart Smith Agency, Inc.
Fort Lee, NJ
06.1993 - 12.2020
- Advised producers on meeting national criteria for policy approval in 10+ states.
- Led and mentored case managers, illustration professionals, and underwriters with affiliative and collaborative leadership styles; fostered culture of team-building and open communication.
- Collaborated with insurance company underwriters to ensure policies met federal and state regulations.
- Created advanced illustrations for complex sales.
- Collaborated with head of Operations to streamline underwriting and marketing processes.
- Leading insurance general agency concentrating on life insurance, long-term care, disability income, and annuities.
Education
MBA -
TEMPLE UNIVERSITY
PHILADELPHIA, PABA -
TUFTS UNIVERSITY
MEDFORD, MACLU -
THE AMERICAN COLLEGE OF FINANCIAL SERVICES
BRYN MAWR, PASkills
- Sales Support
- Case Management
- Product Illustration
- Field Underwriting
- Strategic Problem Solving
- Sales Management
- Life Insurance
- Long-term Care Insurance
- Policy writing
- Disability Income
- Annuities
- Risk Analysis
- Microsoft Office
- CRM
- Illustration Software
- WinFlex
- IPipeline
- Underwriting Platforms
- EApps
- Data analysis
- Networking skills
- Decision making
- Advanced illustrations
- Conflict resolution
- Customer relationship management
- Team leadership
- Complex Problem-solving
- Coaching and mentoring
Certification
Chartered Life Underwriter (CLU)
Professional Licenses
- Life and Health Insurance--Licensed in NY, CT, NJ, MA, PA, IL, ME, TX, MI, WA
Timeline
Vice President
Rampart America/The Hilb Group
12.2020 - 06.2025
President
Rampart Smith Agency, Inc.
06.1993 - 12.2020
MBA -
TEMPLE UNIVERSITY
BA -
TUFTS UNIVERSITY
CLU -
THE AMERICAN COLLEGE OF FINANCIAL SERVICES