NICOLE VARGAS
Lowell,MA
Summary
Accomplished Personal Lines Insurance Professional with 18 years of experience in sales, account management, and client relations. Licensed in Massachusetts Property & Casualty Insurance since 2008, skilled in generating new business through real estate referrals and managing diverse personal lines accounts. Bilingual in English and Spanish, with strong verbal and written communication skills.
Overview
1
1
Language
1
1
Certification
19
19
years of professional experience
Work History
Account Manager
William Raveis Insurance
01.2023 - Current
- Manage a diverse book of personal lines accounts and provide comprehensive service throughout the policy lifecycle.
- Serve as a primary client contact for coverage, policy, billing, renewal, and underwriting matters.
- Manage automobile, homeowners, umbrella, flood, dwelling fire, secondary residence, high-value home, and related personal insurance coverages.
- Review client exposures and insurance programs to identify coverage needs and recommend appropriate solutions.
- Remarketed accounts to secure competitive options aligned with coverage needs and underwriting eligibility.
- Coordinated with carriers, underwriters, mortgage companies, and clients to process policy changes and meet underwriting requirements.
- Managed renewals, inspections, non-renewals, and documentation while ensuring accurate account records and timely payments.
Sales Producer
William Raveis Insurance
01.2021 - 12.2022
- Acted as the designated insurance Sales Producer for seven William Raveis Real Estate offices, developing relationships with real estate professionals and their clients.
- Generated new personal lines business through referrals from real estate agents and established relationships with homebuyers and homeowners.
- Consulted with prospective clients and recommended homeowners, automobile, umbrella, flood, and related personal insurance solutions.
- Managed leads from initial contact to policy issuance, ensuring seamless transitions through quoting, underwriting, and binding.
- Worked with multiple carriers and underwriters to identify competitive coverage solutions and cross-selling opportunities.
- Coordinated insurance requirements for clients during home-buying and closing processes, collaborating with agents and mortgage professionals.
Account Manager
Fred C. Church
09.2015 - 12.2020
- Managed and serviced a portfolio of personal lines accounts while developing long-term client relationships.
- Managed automobile, homeowners, umbrella, and dwelling insurance products to meet client needs effectively.
- Executed renewals, endorsements, cancellations, and billing inquiries, ensuring seamless account transactions.
- Assessed insurance programs for coverage gaps, remarketed accounts as needed, and collaborated with carriers and underwriters.
- Explained coverage and policy changes clearly while maintaining accurate records and resolving complex client issues.
Account Manager
HUB International
01.2008 - 08.2015
- Managed personal lines accounts, delivering comprehensive support throughout policy lifecycle to enhance client satisfaction.
- Assisted clients with automobile, homeowners, umbrella, and other personal insurance coverage needs.
- Reviewed policies and exposures, processed renewals and changes, and addressed billing and service requests to ensure seamless client service.
- Worked with carriers and underwriters to obtain coverage, resolve underwriting issues, and satisfy policy requirements.
- Remarketed accounts to ensure client satisfaction and service reliability.
Education
Associate Degree -
Middlesex Community College
Lowell05-1998
High School Diploma -
Lowell High School
Lowell06-1995
Skills
- Personal Lines Insurance
- Insurance Sales & Production
- Account Management
- New Business Development
- Real Estate Partnerships
- Client Relationship Management
- Cross-Selling
- Renewals
- Remarketing
- Coverage Analysis
- Homeowners
- Automobile
- Umbrella
- Flood
- High-Value Homes
- Claims Processing
- Carrier Relations
- Customer Retention
- Customer Relationship Management
- Insurance Functions: Policy Administration
- Rating & Quoting
- New Business
- Endorsements
- Documentation
- Account management
Certification
License: Massachusetts Property & Casualty Insurance License — Licensed since 2008
Languages
Languages: Bilingual in English and Spanish — professional verbal and written proficiency
Timeline
Account Manager
William Raveis Insurance
01.2023 - Current
Sales Producer
William Raveis Insurance
01.2021 - 12.2022
Account Manager
Fred C. Church
09.2015 - 12.2020
Account Manager
HUB International
01.2008 - 08.2015
Associate Degree -
Middlesex Community College
High School Diploma -
Lowell High School