- I enjoy helping others and giving back to the community
- Participating in fundraising events to support local charities, schools, or community projects
- My passion is spending time on the back of my horse, quietly riding through the mountains and valleys
- I have a passionate to inspire others who are struggling and have the desire and willingness to change their lives
Michelle Hames
El Cajon,CA
Summary
Dynamic health insurance broker with extensive experience in client education and proactive problem-solving. Known for achieving high customer retention rates through personalized service and effective communication, driving loyalty and referrals.
Overview
17
17
years of professional experience
Work History
Health Insurance Broker - President
Strategy Matters Insurance Solutions, Inc.
El Cajon, CA
02.2018 - Current
- Developed customized insurance solutions tailored to client needs.
- Analyzed market trends to identify coverage gaps and opportunities.
- Increased client satisfaction by providing personalized insurance solutions tailored to individual needs.
- Assisted clients with claims processing, ensuring a smooth experience during difficult times.
- Achieved high customer retention rates by maintaining open communication channels and addressing concerns promptly.
- Enhanced customer loyalty by delivering timely and accurate policy updates and renewal information.
- Met with prospective customers and business owners in homes, businesses, and other settings.
- Advised small businesses on selecting employee benefit packages that balanced cost-effectiveness with comprehensive offerings.
- Expanded the company''s client base through effective networking and relationship-building strategies.
- Educated clients on insurance policies and procedures.
- Educated clients on policy options, enhancing understanding and satisfaction.
- Fostered strong relationships with clients, driving retention and referrals.
- Provided exceptional customer service by responding quickly to inquiries, resolving issues, and anticipating client needs.
- Educated clients on various insurance products, enabling informed decisions regarding their coverage options.
Insurance Agent
Aflac and Various VB Carriers
San Diego, CA
10.2009 - Current
- Guided clients through claims processes, ensuring timely and accurate submissions for benefits.
- Analyzed market trends to identify new business opportunities and adjust product offerings accordingly.
- Collaborated with cross-functional teams to streamline policy administration processes and improve efficiency.
- Implemented strategic marketing campaigns that increased brand visibility and attracted new clientele effectively.
- Built strong relationships with clients through consistent communication and excellent customer service.
- Maintained high standards of customer service by building relationships with clients.
- Educated clients on the importance of adequate insurance coverage, fostering trust and loyalty among the existing client base.
- Cross-sold insurance products to existing clients to reach sales targets.
- Maintained accurate records of all transactions, ensuring compliance with company policies and regulatory requirements.
- Prepared and reviewed insurance applications to verify compliance with regulations.
- Built relationships with clients using active listening and issue resolution to provide excellent service.
- Expanded client base by actively prospecting for new business opportunities and generating referrals.
- Worked closely with other team members to optimize sales strategies and achieve regional goals.
- Developed comprehensive knowledge of various insurance products, enabling effective recommendations for clients'' unique situations.
- Participated in ongoing professional development activities, staying current with industry trends and regulatory changes affecting insurance products and services.
- Determined client needs and financial situations by listening and scheduling fact-finding appointments.
- Consistently exceeded monthly sales quotas by effectively presenting product offerings to potential customers.
- Established a solid reputation within the community as a knowledgeable and reliable resource for all things insurancerelated.
- Utilized CRM software to manage client relationships.
- Resolved complex claims issues, advocating on behalf of clients to ensure fair settlements.
- Customized insurance packages to client needs, enhancing customer satisfaction and loyalty.
- Fostered team-oriented environment that encouraged collaboration and shared success among agents.
- Achieved top salesperson status by consistently exceeding sales targets through effective client relationship management.
- Improved client retention rates with exceptional service and timely follow-up on policy inquiries and adjustments.
- Generated leads through cold-calling, networking and other outreach methods.
- Conducted annual reviews of existing policies to update information.
- Worked with sales team to collaboratively reach targets, consistently meeting or exceeding personal quotas.
- Designed presentations and marketing materials to promote insurance products.
District Sales Coordinator
Aflac
San Diego, CA
06.2013 - 02.2018
- Coached and mentored employees to strengthen sales knowledge and abilities.
- Achieved consistent growth in market share by executing tailored regional strategies based on local needs.
- Evaluated sales performance metrics to inform strategic decision-making processes.
- Mentored junior staff, fostering a collaborative team environment for success.
- Implemented strategies to improve customer retention and satisfaction rates.
- Analyzed market trends to identify opportunities for growth and improvement.
- Increased overall sales by implementing strategic district plans and coordinating sales team efforts.
- Monitored industry news closely, staying informed about market changes that could affect our competitive position in the field.
- Developed strong relationships with key clients for improved customer satisfaction and repeat business.
- Promoted a positive work environment where sales representatives could thrive and excel in achieving their targets.
- Improved product knowledge among the team through regular training sessions and workshops.
- Mentored new sales representatives, providing training and guidance on effective sales techniques.
- Analyzed customer needs to provide customized insurance solutions.
- Conducted research and identified market trends to develop better strategies for sales.
- Designed presentations and marketing materials to promote insurance products.
Education
High School Diploma -
El Capitan High School
Lakeside, CA06-1986
Skills
- Award-winning sales professional
- Proactive team player
- Sales presentations
- Driven
- Life and health insurance
- Talented salesperson
- Skilled negotiator
- Warm and cold leads development
- Prospecting skills
- Top-rated sales performance
- Customer advocate
- Relationship development skills
- Excellent communication skills
- Customer service
- Client retention
- Account management
- Client relations
- Client account management
- Customer follow-up
- New client acquisition
- Leads prospecting
- Upselling
- Vision and dental insurance
- Life insurance
- Health insurance
- Prospective client identification
- Client assessment
- Relationship building
- Group presentations
- Data entry
- Client consultations
Interests
Timeline
Health Insurance Broker - President
Strategy Matters Insurance Solutions, Inc.
02.2018 - Current
District Sales Coordinator
Aflac
06.2013 - 02.2018
Insurance Agent
Aflac and Various VB Carriers
10.2009 - Current
High School Diploma -
El Capitan High School