ROBERT CHERFILS
Attleboro,MA
Summary
Dedicated Licensed Insurance Agent and Underwriter with 17 years of experience providing comprehensive insurance solutions and risk assessments. Skilled in evaluating applications, assessing risk, and delivering exceptional customer service. Proven track record of achieving sales targets and maintaining high customer satisfaction. Committed to staying updated with industry regulations and best practices for accurate information delivery.
Overview
25
25
years of professional experience
Work History
License Agent
Biney Insurance Agency/Farmers Insurance
Seekonk, Massachusetts
05.2024 - Current
- Managed pension start-up process for Federal Express, Boing, Merrill Lynch, Sears and United Airlines
- Handled request to update tax changes, verification letters, duplicate and corrected 1099R forms
- Processed names, status, beneficiary changes and approved Qualified Domestic Relations Orders.
- Collaborated with colleagues to develop strategies for marketing campaigns.
- Monitored industry trends and developments in order to remain knowledgeable about product offerings.
- Analyzed data to determine best course of action for customers' individual circumstances.
- Educated customers on the features and benefits of various insurance policies.
- Created customized quotes based on customers' requirements.
- Determined correct products or services to best fit with customer needs.
- Evaluated and identified opportunities to drive process improvements, positively impacting customer experience.
- Responded promptly to customer service calls and inquiries from diverse groups of individuals.
- Ensured compliance with state laws regarding insurance sales practices.
Sales Representative
TruGreen Lawn Care
Franklin, Massachusetts
03.2020 - 05.2024
- Managed pension start-up process for Federal Express, Boing, Merrill Lynch, Sears and United Airlines
- Handled request to update tax changes, verification letters, duplicate and corrected 1099R forms
- Processed names, status, beneficiary changes and approved Qualified Domestic Relations Orders.
- Developed and maintained relationships with existing clients to ensure customer satisfaction.
- Generated new sales leads through cold calling and networking activities.
- Organized client visits, presentations, product demonstrations and trade shows.
- Provided technical support for customers using the company's products or services.
- Maintained accurate records of all sales and prospecting activities.
- Negotiated pricing contracts with customers to maximize profits.
- Identified opportunities for cross-selling additional products and services.
- Answered inquiries from prospective customers regarding features of products and services offered.
- Recommended changes in products and services based on customer feedback.
Retirement
Metropolitan Life Insurance Company
Warwick, Rhode Island
09.2018 - 03.2020
- Managed pension start-up process for Federal Express, Boing, Merrill Lynch, Sears and United Airlines
- Handled request to update tax changes, verification letters, duplicate and corrected 1099R forms
- Processed names, status, beneficiary changes and approved Qualified Domestic Relations Orders.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Identified needs of customers promptly and efficiently.
- Exceeded customer satisfaction by finding creative solutions to problems.
- Utilized advanced technical skills and expertise to troubleshoot complex problems and implement solutions.
Underwriting Consultant
Sun Life Financial
Wellesley Hills, Massachusetts
05.2011 - 09.2018
- Managed renewals and revisions for, Group Life and Disability, New York DBL, New Jersey TDB, cases up to 3,000 rating lives
- Partnered with third party re-insurance companies Life and Long-Term Disability risk above maximum financial risk
- Communicated effectively with the sales team regarding relative competitiveness and special plan design features
- Worked in collaboration with the Legal and New Business department to develop Administrative Agreements and Single Fillings.
- Developed underwriting strategies for clients to meet their needs while minimizing potential losses.
- Provided guidance on regulatory compliance issues related to mortgage origination activities.
- Verified that all documents were accurate and in accordance with applicable laws and regulations.
- Analyzed risk and adhered to underwriting standards to drive risk selection and profitability.
- Conducted comprehensive analysis and evaluated risk to control underwriting loss.
- Underwrote renewals by reviewing premium history, claims history and company financial condition to determine action.
- Utilized underwriter authority to correspond with corporate risk appetite and strategy.
- Determined level of acceptable risk by reviewing applications for coverage and loss control reports.
- Examined documents to determine degree of risk from health, financial standing and value and condition of property.
Renewal Underwriter
Sun Life Financial
Wellesley Hills, Massachusetts
02.2007 - 05.2011
- Evaluated, priced and proposed rate and strategy on large market Life, Optional Life, STD or LTD new and in-force business within stated authority limits
- Selected to represent Renewals Department at the annual conference hosted by Disability re-insurance partner
- Delivered reports illustrating renewal actions and supporting data that helped increase sales
- Distinguished between required and desired information, and expected results related to obtain useful information
- Managed assigned workload to meet internal productivity and time service standards as well as field office priorities
- Reviewed request accurately and analyzed information, industry, product, case size, and individual case characteristics
- Determined the best approach to resolve industry restrictions and limitations, while identifying missing information material to assess pricing and risk
- Developed and implemented training materials for Underwriting Support and Contract Specialist.
- Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
- Consulted with legal counsel when necessary to resolve complex issues or disputes.
- Resolved discrepancies between customer documentation and internal records.
- Ensured timely submission of all documents needed for closing transactions.
- Analyzed risk and adhered to underwriting standards to drive risk selection and profitability.
- Underwrote renewals by reviewing premium history, claims history and company financial condition to determine action.
- Developed and maintained relationships with external partners, including insurance agents and appraisers.
Mid-Market Underwriter
Sun Life Financial
Wellesley Hills, Massachusetts
08.2003 - 02.2007
- Formulated and implemented successful strategy to write cases within general underwriting guidelines, independent decision making on fundamental problems within specific rules and utilizing general underwriting guidelines
- Prepared reports to track underwriting submissions, decisions and recommendations
- Oversaw rate increases, new clients, endorsements and policy renewals
- Accurately assessed a group’s industry and risk with sound decisions and recommendations based on consistent, logical and rational application of underwriting guidelines, principles and product philosophy
- Recommended approach and discussed consistent, logical and rational reasoning to determine whether to proceed or not outside the established guidelines or product strategy; or without any information typically required.
- Analyzed financial information including income, assets, liabilities and credit history of applicants.
- Maintained accurate records of all transactions handled by the department.
- Determined level of acceptable risk by reviewing applications for coverage and loss control reports.
- Trained junior underwriters and support staff in underwriting processes and policies.
Underwriting Associate
Sun Life Financial
Wellesley Hills, Massachusetts
11.2000 - 08.2003
- Managed assigned workload to meet internal production and time service standards as well as field office priorities
- Worked in collaboration with the Premium Department to inquire into billing issues prior to issuing renewal quotes
- Exceeded departmental quotas by completing 95% of assigned renewals on monthly basis
- Gathered data and conducted evaluation to determine risk, appropriately rate and approved coverage
- Distinguished between required and desired information, and expected results related to the information obtained
- Provided logical assumptions for missing census or plan information
- Developed and maintained strong relationships with Sales Office Managers, Sales Representative and Account Managers
- Collaborated effectively with New Business Processing to issue physical documents and consistently meeting departmental prospect and renewal process turnaround time
- Acted as the liaison and advisor for Life and Disability Claims Department for non-standard contract wording intents.
- Reviewed applications and supporting documents to evaluate risk, identify additional documentation needed and make appropriate decisions regarding underwriting.
- Developed relationships with clients to maximize customer service levels while minimizing risks associated with lending activities.
- Entered data into underwriting database to track activity during process.
- Documented expected benefits and risks of agreements.
- Conducted comprehensive analysis and evaluated risk to control underwriting loss.
New Accounts Analyst
AT&T
Westwood, Massachusetts
07.1999 - 11.2000
- Analyzed credit data and made recommendations to approve or deny new line of service
- Issued new accounts for individuals and businesses based on pre-qualifications and desired conditions.
- Developed financial models and analyzed data to determine trends in sales, profits and expenses.
- Prepared monthly reports of income statement, balance sheet, cash flow, variance analysis, and other accounting documents.
- Evaluated the effectiveness of internal controls and made recommendations for improvement.
- Collaborated with external partners to complete audits.
Education
Some College (No Degree) - Marketing Communications
Johnson & Wales University
Providence, RISkills
- Relationship Building
- Comprehensive Risk Evaluation
- Analysis and Reporting
- Effective Written Communication
- Strategic Leadership
- Effective Time Management
- Detail-Oriented Approach
- Analytical Decision Making
- Analytical thinking
- Multitasking
- Problem solving
- Strategic planning
- Presentation Skills
- Market Engagement Approaches
- Financial Planning
- Insurance Industry Knowledge
- Contract Negotiations
- Marketing Management
- Effective Communication
Timeline
License Agent
Biney Insurance Agency/Farmers Insurance
05.2024 - Current
Sales Representative
TruGreen Lawn Care
03.2020 - 05.2024
Retirement
Metropolitan Life Insurance Company
09.2018 - 03.2020
Underwriting Consultant
Sun Life Financial
05.2011 - 09.2018
Renewal Underwriter
Sun Life Financial
02.2007 - 05.2011
Mid-Market Underwriter
Sun Life Financial
08.2003 - 02.2007
Underwriting Associate
Sun Life Financial
11.2000 - 08.2003
New Accounts Analyst
AT&T
07.1999 - 11.2000
Some College (No Degree) - Marketing Communications
Johnson & Wales University
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