Tracy Pica
Clarksville,IN
Summary
Self-directed leader with excellent communication skills. Background as an underwriting professional includes successfully controlling company risk while satisfying customers in demanding markets.
Overview
36
36
years of professional experience
2
2
Certification
Work History
Sr Underwriting Consultant
Protective Life Insurance Company
08.2021 - 09.2024
- Full time remote production underwriter
- I achieved & exceeded production and quality goals and reviewed cases for second signature requirements for lower level underwriters
- Communicated well with internal staff, management and field
- Able to apply and explain underwriting criteria as well as risk assessments as needed and worked effectively with both the Swiss Re and Hannover Re Underwriting manuals.
Underwriting Consultant
Allstate Life & Retirement
11.2012 - 08.2021
- Full time remote production underwriter
- Effectively mentored lower-level underwriting staff and achieved all production and quality goals
- Responsibilities included answering calls and quoting tentative rate classifications and successfully worked on our 'sweeper team' to handle cases and tasks for underwriters who were out of the office for vacation, illness etc
- This gave me exposure to a variety of applications in various stages of the underwriting process
- I wrote and published an article in 'E-Focus' The company's financial services newsletter.
Vice President, Underwriting
Partners Advantage Insurance Services, LLC
07.2006 - 11.2012
- Full time remote leader of the life underwriting department
- I established good working relationships with leadership, underwriters, and marketing staff with multiple life insurance carriers and earned the respect of our agents/brokers
- Reviewed medical records and physical findings to summarize and position cases to shop with multiple industry carriers
- Designed questionnaires for medical impairments and avocations to obtain facts of a risk and created a comparison database of rate classification with all carriers we represented
- I also wrote a monthly column for the newsletter to address and explain underwriting concepts
- I was published on Producer's Web
- I organized a training segment for key staff members to teach concepts of risk impairments and had 2 direct reports.
Sr Life Insurance Underwriter
Cincinnati Life Insurance Company
04.2000 - 07.2006
- Learned to apply underwriting criteria and to place competitive offers with independent life agents
- Spoke to Independent agents who were primarily focused on property and casualty risks to offer support and understanding of life concepts
- Learned to utilize multiple reinsurance manuals for risk assessment
- Taught Junior Achievement to first graders at the local elementary school and was appointed 'Partners in Education Liaison' to the company and local elementary school.
Sr Personal Lines Underwriter/Personal Lines Underwriter
The Cincinnati Insurance Company
10.1996 - 04.2000
- Professional decision making for a large personal lines property and casualty territory
- Generated and reviewed data and issued verbal and written reports
- Communicated well with field representatives and property and casualty agents
- Handled profitability and growth for territory.
Pacif Mutual/Pac Life
10.1988 - 10.1996
- Supervised a group of 8 claims examiners and conducted performance reviews
- Released large dollar health claims
- Applied specific policy criteria to handle group medical claims
- Reviewed medical records and documentation to determine pre-existing conditions and benefits criteria for submitted group health claims.
Education
Bachelor of Arts in English -
Northern Kentucky University
05.1988
Skills
- Proficient in Assessing Impaired Medical Risk
- Skilled in financially underwriting risks
- Adept at understanding and applying company standards to make informed underwriting decisions
- Approachable and friendly to producers, sales support and internal coworkers
- Capable of managing my caseload with outstanding documentation abilities
- Possessing strong written and excellent oral communication skills, consistently meeting production and audit standards
References
Available upon request
Affiliations
- i enjoy reading, travelling, enjoy our 3 dogs and gardening.
Certification
- I have completed both my ALMI and ACS certifications.
Timeline
Sr Underwriting Consultant
Protective Life Insurance Company
08.2021 - 09.2024
Underwriting Consultant
Allstate Life & Retirement
11.2012 - 08.2021
Vice President, Underwriting
Partners Advantage Insurance Services, LLC
07.2006 - 11.2012
Sr Life Insurance Underwriter
Cincinnati Life Insurance Company
04.2000 - 07.2006
Sr Personal Lines Underwriter/Personal Lines Underwriter
The Cincinnati Insurance Company
10.1996 - 04.2000
Pacif Mutual/Pac Life
10.1988 - 10.1996
- I have completed both my ALMI and ACS certifications.
Bachelor of Arts in English -
Northern Kentucky University
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