Terra Henkle

Responsible for identifying best class insurance risks, completing marketing and sales plans in order to secure appointments and complete risk analysis and identifying areas of interest to secure new businesss. Work directly with over 30 carriers in their underwriting staff to negotiate pricing and value added services to obtain new business and retain existing business. Work directly with marketing sources to assist in identifying sales materials to set us apart from competition. Meet and exceed sales goals through detailed marketing plans I created. Proactively worked to increase our agency bottom line by also looking at accounts who were not meeting standards and identifying troubled areas for improvement. Handle all customer service of existing accounts to increase long term retention and build relationships and obtain quality referral business.

• Increased client satisfaction by providing personalized insurance solutions tailored to individual needs.
• Engaged in cross-selling and upselling sales practices to strengthen clients' insurance portfolios and increase agency's aggregate sales figures.
• Guided agents through life, health, property and casualty insurance licensing and renewal processes.
• Conducted agency sales meetings to communicate agency developments and discuss agents' sales figures and emerging opportunities.
• Prospected for new business by obtaining client referrals, making cold calls and engaging in Type business-building strategies.
• Optimized agency sales and marketing campaign outcomes by coordinating efforts with corporate and local offices.
• Cultivated a culture of continuous improvement within the organization by encouraging feedback and implementing performance-driven initiatives.
• Listened to customer complaints and concerns to diffuse issues by correcting errors and making adjustments.
• Quoted current and prospective clients with several insurance companies and presented proposals.
• Established long-term partnerships with key brokers, ensuring continued access to competitive insurance offerings for clients.
• Cultivated mutually beneficial client relationships through telephone calls and meetings.
• Conferred with clients to obtain information regarding policy claims.
• Collaborated with commercial clients to reduce exposures through introduction of new products and modification of existing policies.
• Developed comprehensive risk assessments for clients, resulting in more accurate coverage recommendations.
• Reviewed clients' policies every year and recommended product additions or revisions to reflect changing needs.
• Mentored junior staff members, fostering professional development and career growth within the organization.
• Educated clients on their coverage options while addressing concerns and answering questions about policies.
• Developed new and innovative marketing strategies to boost agency's profitability and penetrate new markets.
• Optimized internal communication channels among departments, leading to improved collaboration and overall efficiency within the organization.
• Negotiated favorable underwriting terms with carriers, securing competitive pricing for clients on various insurance products.
• Enhanced company reputation by delivering exceptional customer service and maintaining strong relationships with industry partners.
• Evaluated competitor strategies and offerings, positioning company products effectively within the marketplace.
• Drove improvements in customer retention rates by proactively addressing policyholder needs throughout the policy lifecycle.
• Assisted clients in navigating complex claims processes, advocating on their behalf when necessary to ensure fair outcomes.
• Followed up with potential clients regarding online information requests to present and clearly explain coverage options.
• Controlled agency's budget and expenses by determining available capital, estimating expenditures and anticipated revenues.
• Educated clients on insurance policies and procedures.
• Analyzed customer needs to provide customized insurance solutions.
• Finalized sales and collected necessary deposits.
• Generated leads through cold-calling, networking and other outreach methods.
• Negotiated contracts and terms of sale with potential customers.
• Identified and solicited sales prospects in agency databases.
• Evaluated competitors' products and services to gain competitive advantage.
• Researched and identified potential new markets.
• Designed presentations and marketing materials to promote insurance products.

• Conducted regular portfolio reviews, identifying areas for improvement and recommending corrective action plans.
• Participated in industry conferences and networking events to increase visibility of the company within the marketplace.
• Kept up-to-date on market trends to identify new business opportunities and adjust underwriting strategies accordingly.
• Made recommendations to field producers on potential applications.
• Maintained current understanding of industry and underwriting procedures.
• Applied accurate pricing standards to meet business needs and customer requirements.
• Enhanced customer satisfaction through prompt policy issuance and streamlined quote-to-bind processes.
• Assessed new and renewal applications for financial liabilities and risk levels.
• Improved underwriting accuracy by conducting thorough risk assessments and analyzing financial statements.
• Maintained compliance with regulatory requirements by staying informed of changing laws and adjusting procedures as needed.
• Provided expert advice to sales team during proposal preparation stages, helping secure profitable deals for the organization.
• Collaborated with brokers and agents, fostering strong relationships for increased business opportunities.
• Achieved performance benchmarks consistently throughout tenure as Commercial Lines Underwriter, demonstrating commitment to excellence in role responsibilities.
• Managed complex accounts with professionalism, successfully navigating challenging negotiations with clients and brokers.
• Proactively identified potential fraud cases through meticulous investigation of suspicious claims patterns.
• Utilized knowledge of insurance principles, policies and procedures to make decisions on risk assessment.
• Evaluated applications to determine insurance coverage and appropriate risk classifications.
• Scrutinized underwriting performance to identify weaknesses and provide recommendations for improvement.