Till Ruggiero
Greensboro,NC
Summary
Results-driven professional provides customers with tailored solutions to meet needs. Successfully establishes relationships with customers and delivers quality service. Agile individual with excellent communication and customer service skills.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Business Insurance Consultant
Lincoln Financial
01.2022 - 02.2024
- Encouraged agents, brokers, and other financial professionals to identify opportunities to leverage life insurance in business-owner client portfolios
- Created customized presentations comparing various executive benefit and succession planning options
- Researched relevant laws and regulations related to business insurance planning
- Conducted market research to identify potential areas of coverage improvement
- Collaborated with other departments within the organization to ensure successful implementation of new business-owned insurance plans
- Maintained up-to-date knowledge of industry trends, regulations, and best practices.
Premium Finance Consultant
Lincoln Financial
03.2020 - 12.2022
- Assisted financial professionals in determining the appropriate life insurance funding strategy for clients
- Monitored market trends to compare sustainability of self- versus third-party financing within a 3–5-year horizon
- Conducted market research to identify competitive strategies in the industry
- Addressed questions regarding the purpose of financing life insurance premiums as well as discussed the inherent risks
- Co-reviewed accounts and plans regularly to determine whether life changes, economic changes, environmental concerns, or financial performance indicate need for plan reassessment.
Annuity Competitive Intelligence Consultant
Lincoln Financial
09.2018 - 03.2020
- Generated heat maps, produced product comparison grids, maintained and distributed all fixed and indexed product rate information
- Utilized strong written and verbal communication skills when communicating annuity market data to senior management
- Wrote and edited reports, proposals, and presentations for internal stakeholders
- Maintained up-to-date knowledge of industry trends as well as worked with web-based platforms such as Wink, Annuity Rate Watch, and Morning Star
- Established effective relationships with customers, vendors, and stakeholders at all organizational levels
- Collaborated with cross-functional teams across multiple locations to ensure quality standards were met.
Internal Wholesaler
Lincoln Financial
04.2008 - 09.2018
- Supported financial professionals in strengthening and protecting client portfolios through the inclusion of life insurance
- Maintained a thorough knowledge of the organization's products and services to provide suitable product recommendations to financial professionals
- Generated leads through hosting virtual and in-person informational and coaching sessions
- Provided continuous after-sale support
- Utilized software applications such as Salesforce.com and Microsoft Office Suite effectively in daily workflows.
Annuity Desk - Inbound Representative
Lincoln Financial
06.2006 - 04.2008
- Built relationships with customers by providing helpful advice on products and services offered
- Researched complex technical inquiries using available resources such as product manuals or online databases
- Handled escalated customer complaints professionally, ensuring resolution within established timeframes
- Analyzed incoming calls data to identify trends in customer inquiries or complaints
- Upsold additional products or services when appropriate during customer interactions.
Education
Master of Science - Accounting -
UNC- Greensboro
Greensboro, NCBachelor of Arts (B.A.) in Anthropology / Minors - Business and Economics -
UNC- Greensboro
Greensboro, NC05.2002
Skills
- Excel
- PowerPoint
- SalesForce
- Licensed Insurance Agent
- Insurance Policy Sales
- Client Consultations
- Consultative Sales Approach
Certification
- FINRA Series 6, 2006
- FINRA 63, 2006
- Life/Health, 2007
- Long Term Care/Med Supp, 2020
- Variable Life and Variable Annuity, 2009
Timeline
Business Insurance Consultant
Lincoln Financial
01.2022 - 02.2024
Premium Finance Consultant
Lincoln Financial
03.2020 - 12.2022
Annuity Competitive Intelligence Consultant
Lincoln Financial
09.2018 - 03.2020
Internal Wholesaler
Lincoln Financial
04.2008 - 09.2018
Annuity Desk - Inbound Representative
Lincoln Financial
06.2006 - 04.2008
Master of Science - Accounting -
UNC- Greensboro
Bachelor of Arts (B.A.) in Anthropology / Minors - Business and Economics -
UNC- Greensboro
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