Richard P. Morales
Pico Rivera
Summary
Dynamic and results-driven Registered Representative with over 20 years of life insurance sales experience at New York Life. Expert in building rapport and delivering tailored financial solutions, utilizing strong negotiation skills and exceptional customer service to drive client satisfaction and retention. Proven track record in transforming leads into lasting business relationships.
Overview
22
22
years of professional experience
1
1
Certification
Work History
Registered Representative
New York life/ NY Securites
Glendales
10.2024 - Current
- Conducted product demonstrations to prospective clients, highlighting features and benefits tailored to their needs.
- Established and maintained relationships with other financial professionals, accountants and attorneys.
- Developed and maintained relationships with clients by providing financial advice, guidance and services.
- Ensured all required paperwork was completed accurately prior to submitting applications for approval.
- Utilized broad knowledge to recommend solutions to potential customers.
- Managed client accounts, ensuring satisfaction and retention through regular communication and problem resolution.
- Displayed strong telephone etiquette, effectively handling difficult calls.
- Turned potential leads into business opportunities by executing cold calls per day.
- Maintained detailed records of sales activities, including calls made, follow-ups, and sales closed.
- Facilitated the transfer of assets between institutions when necessary due to changes in asset allocation strategies.
- Demonstrated exceptional service skills by going above and beyond to satisfy customers on phone and in person.
- Participated in regular team meetings to discuss performance, strategies, and goals.
- Compiled and analyzed sales data to identify trends and opportunities for growth.
- Developed proposals and quotes for clients based on their specific requirements.
Independent Contractor
TFA
Pico Rivera
07.2022 - Current
- Insurance sales and Investments
- Created promotional materials, including flyers, brochures, and direct mail pieces.
- Implemented strategies to take advantage of new opportunities.
- Managed quality control and maintained high level of customer satisfaction.
- Maintained positive working relationship with fellow staff and management.
- Managed daily operations of the business, including budgeting and financial reporting.
- Kept client satisfaction high by consulting closely at various stages and incorporating important feedback.
- Created plans to propose solutions to problems related to efficiency, costs or profits.
- Delivered high level of customer service and support by answering questions and returning phone calls quickly.
- Maintained relationships with existing customers while seeking new ones.
Registered Representative
TFG/ Cetera
Costa Mesa
05.2024 - 08.2024
- Conducted product demonstrations to prospective clients, highlighting features and benefits tailored to their needs.
- Developed and maintained relationships with clients by providing financial advice, guidance and services.
- Provided information about organization's financial products and services to clients.
- Turned potential leads into business opportunities by executing cold calls per day.
- Created customized presentations to showcase company products and services in a professional manner.
- Demonstrated exceptional service skills by going above and beyond to satisfy customers on phone and in person.
Sales
Optavise
Long Beach
02.2024 - 04.2024
- Assisted sales personnel in sales techniques and recommended improvements.
- Generated and submitted sales reports outlining sales volume, potential sales and area prospects.
- Collaborated with sales teams to align marketing strategies with sales objectives.
- Assisted with developing and implementing sales strategies for group ticket sales.
Call Center Representative
Smart Financial
Costa Mesa
08.2023 - 02.2024
- Answered incoming calls from customers and provided assistance with product inquiries, billing questions, and other customer service related issues.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Handled escalated customer service concerns to preserve customer satisfaction and maintain long-term business relationships.
- Engaged in conversation with customers to understand needs, resolve issues and answer product questions.
- Provided top quality control and eliminated downtime to maximize revenue.
- Resolved customer inquiries, questions and concerns to consistently offer quality service and meet performance benchmarks.
Financial Representative
Pacific Advisors
Irvine
06.2022 - 02.2023
- Delivered presentations to key decision makers and offered financial recommendations.
- Analyzed customers' existing policies and recommended changes or additional coverage.
- Attended conferences and seminars related to the finance industry in order to stay abreast of developments in the field.
- Advised clients on how best to diversify their investments while minimizing risks associated with them.
Life Insurance Sales
Primerica
Pico Rivera
01.2003 - 01.2022
- Recruited and trained members to successfully pass CA Life Insurance Exam
- Responsible for motivating, developing members, creating and implementing strategies to meet team goals
- Expand business through various networking channels
- Developed and assessed suitable plans based on client needs and financial goals
- Delivered presentations and sold insurance policies to new and existing clients
- Conducted daily cold calling and prospecting to achieve monthly sales goal
Outside Sales, BSB, and Customer Service
VCT
Walnut
06.2016 - 10.2019
- Selling print plates to customers which include: Corrugated, Printer, Die maker, and Suppliers
- Account Manager of multiple accounts- build relationships to ensure needs were met
Outside Sales
SouceOne Office Products
Santa Fe Springs
02.2010 - 08.2013
- Made 300 calls daily to increase my clientele
- Communicate and Negotiate with Potential Customers to earn their business
- Built relationships with HR and Office Managers to maintain the business and orders to meet business and monthly goals
Education
High School Diploma -
El Rancho
Pico Rivera, CA06-1992
Skills
- Excellent verbal and written communication skills
- Strong Negotiation Skills
- Great understanding of life insurance as part of financial planning
- Ability to explain complex insurance policies and packages
- Skillfully build rapport with clients
- 20 years of life insurance sales
- Life Insurance Agent licensed in 5 states
- Proficient with Microsoft Office
- Cold calling
- Client management
- Product demonstrations
- Customer service
- Regulatory compliance
- Relationship building
- Negotiation techniques
- Time management
- Problem solving
- Presentation skills
- Networking strategies
- Sales development
- Risk assessment and management
- Financial services
- Goal-oriented mindset
- Account management
- Continuing education commitment
- Proficient in [software]
- Customer service and support
- Insurance solutions
- Business solicitation
- Business prospecting
- Client interviewing skills
- Sales forecasting
- Retention strategies
- Cross-selling
- Client services
- [Type] industry expertise
- Customer support
- Lead prospecting
- Client service
- Up-selling strategies
Certification
- California Life Insurance License, 2023, #0D94958
- Florida Life Insurance License, 2023, #W978001
- New Jersey Life Insurance License, 2023, #7637008
- Massachusetts Life Insurance License, 2023, #7637008
- Pennsylvania Life Insurance License, 2023, #7637008
- 6 and 63 Security
- Utah licensed 2025 #7637008
Accomplishments
- Recruiter Top 1 to 3 every quarter
- Licensed for 6/63, life and health and Varible
- Premium Producer Top 5 every quarter
- RVP / Broker promotion in 2019
References
References available upon request.
Timeline
Registered Representative
New York life/ NY Securites
10.2024 - Current
Registered Representative
TFG/ Cetera
05.2024 - 08.2024
Sales
Optavise
02.2024 - 04.2024
Call Center Representative
Smart Financial
08.2023 - 02.2024
Independent Contractor
TFA
07.2022 - Current
Financial Representative
Pacific Advisors
06.2022 - 02.2023
Outside Sales, BSB, and Customer Service
VCT
06.2016 - 10.2019
Outside Sales
SouceOne Office Products
02.2010 - 08.2013
Life Insurance Sales
Primerica
01.2003 - 01.2022
High School Diploma -
El Rancho
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