landing_page-logo
  1. Home
  2. »All Job Categories
  3. »Insurance Jobs

Auto-apply to these insurance jobs

We've scanned millions of jobs. Simply select your favorites, and we can fill out the applications for you.

Sales Representative, Life Insurance-logo
Sales Representative, Life Insurance
Kemper Corp.Wiggins, MS
Location(s) Wiggins, Mississippi Details Kemper is one of the nation's leading specialized insurers. Our success is a direct reflection of the talented and diverse people who make a positive difference in the lives of our customers every day. We believe a high-performing culture, valuable opportunities for personal development and professional challenge, and a healthy work-life balance can be highly motivating and productive. Kemper's products and services are making a real difference to our customers, who have unique and evolving needs. By joining our team, you are helping to provide an experience to our stakeholders that delivers on our promises. Role: Life Insurance Sales Agent Employment Type:Full-Time Work Arrangement: Field Role Career and Opportunity: Kemper is a diversified insurance holding company. We are firmly committed to servicing the insurance needs of modest-income families. Our strength lies within our dedication to frequent personal visits with our customers in their homes for premium collection and other service needs. You'll start with a paid license preparation/training period! As an Insurance Sales Agent, you will begin with an already existing book of business and have the exciting opportunity to grow the business through your work and dedication. Are you passionate about serving the underserved? This career could be for you! Our Agents gain personal satisfaction and prestige in the community by performing meaningful work to help our clients protect the ones they love and the things they own. With a pay-for-performance compensation model, Agents have a chance to write their own paycheck with increasing income opportunities as skills and knowledge grow. Superior performance is recognized through awards, prizes, and trips. Benefits: Kemper offers competitive benefits, including Group Life Insurance, Major Medical & Dental, Short-term & Long-term disability, 401(k) with company match, Paid Vacation, and Employee Stock Purchase Program. Responsibilities: Agents are set up for success by being assigned a territory (called an agency) with an established book of in-force business. Day-to-day activities: Conducting sales presentations, recommending products, closing sales, and using our Customer Care Sales Model Continuously prospecting for sales opportunities Collecting premiums from policyholders, based on a pre-arranged schedule. Responding promptly to policyholder service requests such as beneficiary changes, claims, loans, etc. Appropriately keeping records, accounting for money collected, and processing paperwork. Our agents are expected to: Increase the agency size. Build strong working relationships with customers. Devote whatever time is necessary to fulfill the responsibilities of the position. Commit to ongoing development of knowledge and skills. Minimum qualifications: Customer service experience The ability to visit customers and prospects door-to-door. Must be at least 18 years of age. Valid driver's license with 100k/300k auto insurance coverage Dependable vehicle as daily travel is required. Ability to pass a background check, motor vehicle report check, and drug screening Authorized to work in the United States Preparation: Licensing- We provide assistance and guidance to those who are preparing to sit for licensing exams. Basic Training- New agents complete a basic development program that includes self-study, classroom time, role-play, and extensive fieldwork. On-the-job training allows new agents to earn a paycheck while learning their profession. Opportunity is knocking. Don't let it pass you by! Kemper is proud to be an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran, disability status, or any other status protected by the laws or regulations in the locations where we operate. We are committed to supporting diversity and equality across our organization and we work diligently to maintain a workplace free from discrimination. Kemper does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Kemper and Kemper will not be obligated to pay a placement fee. Kemper will never request personal information, such as your social security number or banking information, via text or email. Additionally, Kemper does not use external messaging applications like WireApp or Skype to communicate with candidates. If you receive such a message, delete it.

Posted 30+ days ago

Program Manager - Construction Project Risk (Insurance)-logo
Program Manager - Construction Project Risk (Insurance)
Clark InsuranceAustin, TX
Company: Marsh Description: Are you ready to shape the future of risk management in the construction industry? At Marsh, a leader in risk management, we are seeking a talented individual to join our dynamic team. This role will be based in Dallas, TX, Houston, TX, or Austin, TX, and offers a hybrid work environment with a requirement of working at least three days a week in the office. About the Role: As a trusted program risk manager, you will provide tailored advice and solutions to clients regarding program management while managing an account load and acting as a liaison between various Marsh resources and clients. You will collaborate with the administration of the program alongside loss control and claims advocates, partner with Risk Practices for business placement, interact with insurers for documentation, and support account retention and growth through program management efforts. We will count on you to: Be a key member of the project risk team, assisting owners, developers, and contractors with wrap-up program (OCIP/CCIP/Rolling) design and project administration for large local and national construction projects. Execute Marsh project-specific casualty solutions, including multi-site and rolling wrap-up programs, acting as an advocate and advisor for clients. Engage contractors and subcontractors directly to facilitate participation in clients' wrap-up programs and work closely with Project Administrators for smooth execution. Facilitate carrier audits and program close-outs while collaborating with other advisory and placement colleagues as needed. What you need to have: 3+ years of experience in insurance, specifically wrap/construction insurance and OCIP/CCIP experience. Proficiency in Microsoft Word, Excel, and PowerPoint. P&C license required or ability to obtain within 90 days of hire. Excellent communication skills (verbal and written). What makes you stand out: Bachelor's degree. Technical product line experience preferred. Highly organized with the ability to prioritize tasks based on urgency. Managerial experience. Why join our team: We help you be your best through professional development opportunities, interesting work, and supportive leaders. We foster a vibrant and inclusive culture where you can work with talented colleagues to create new solutions and have an impact on colleagues, clients, and communities. Our scale enables us to provide a range of career opportunities, as well as benefits and rewards to enhance your well-being. #LI-JG3 Marsh, a business of Marsh McLennan (NYSE: MMC), is the world's top insurance broker and risk advisor. Marsh McLennan is a global leader in risk, strategy and people, advising clients in 130 countries across four businesses: Marsh, Guy Carpenter, Mercer and Oliver Wyman. With annual revenue of $24 billion and more than 90,000 colleagues, Marsh McLennan helps build the confidence to thrive through the power of perspective. For more information, visit marsh.com, or follow on LinkedIn and X. Marsh McLennan is committed to embracing a diverse, inclusive and flexible work environment. We aim to attract and retain the best people and embrace diversity of age background, disability, ethnic origin, family duties, gender orientation or expression, marital status, nationality, parental status, personal or social status, political affiliation, race, religion and beliefs, sex/gender, sexual orientation or expression, skin color, veteran status (including protected veterans), or any other characteristic protected by applicable law. If you have a need that requires accommodation, please let us know by contacting reasonableaccommodations@mmc.com. Marsh McLennan is committed to hybrid work, which includes the flexibility of working remotely and the collaboration, connections and professional development benefits of working together in the office. All Marsh McLennan colleagues are expected to be in their local office or working onsite with clients at least three days per week. Office-based teams will identify at least one "anchor day" per week on which their full team will be together in person.

Posted 3 weeks ago

Insurance Agent (Sales, Customer Service)-logo
Insurance Agent (Sales, Customer Service)
Freeway Insurance Services AmericaSan Jose, CA
Pay Range: $50000 - $110000 / year Sign-On Bonus Opportunity of up to $3,500* Our Perks: Unlimited/Uncapped commission Lucrative incentive sales plans, bonuses and sales contests No Cold Calling- We have a high volume of inbound sales leads and walk in traffic Comprehensive paid training and licensing with continuous on-going training and mentorship Recognition culture Comprehensive Benefits package including medical, dental, vision and life insurance Retirement Plan: A 401K plan with a percentage of company-matched contributions Fitness: We reimburse up to $10 a month to an employee for their gym Employee Assistance Program: Confidential assistance to you or anyone in your household who is experiencing personal or professional problems - at no cost Extra Perks: Access to disability, hospital indemnity, health advocate program, universal life, critical illness, and accident insurance plans. We even offer pet insurance Our Company: Confie and its family of companies - Freeway, Acceptance, Baja, Bluefire & others - is one of the largest privately held insurance brokers in the United States and has been ranked the #1 Personal Lines Leader by the Insurance Journal for the seventh straight year!. With over 800 retail store locations to choose from nationwide, we encourage you to take your career and income potential to new heights! We are proactively looking for bright, talented, and motivated individuals who are goal oriented and excited for career advancement. Come Grow With Us! What You Will Do: As an Insurance Agent you will be responsible primarily for the sale of nonstandard auto insurance to new and existing customers. Solicit new business and maintain current business levels in order to achieve or exceed sales production goals. Expand business by proactively building relationships with existing customers to meet the agreed upon production goals. Accurate accounting of all currency transactions as well as timely delivery of deposits to the bank with scanned documentation in agency management system. Connects very quickly; builds and leverages client relationships. Ability to educate and advise the customer on which products best fit their needs The Perfect Match: Personal Lines or Property and Casualty license preferred (but not required) Bilingual in English and Spanish preferred Sales or customer service experience High School Diploma or GED Ability to build relationships with sales customers Excellent follow-up and multi-tasking skills Ambitious professional motivated by opportunity for advancement Excellent written and verbal communication skills Insurance Sales Insurance Agent Acceptance Insurance Freeway Auto Insurance

Posted 1 week ago

Insurance Biller/Physician Billing-logo
Insurance Biller/Physician Billing
South Shore HealthWeymouth, MA
If you are an existing employee of South Shore Health then please apply through the internal career site. Requisition Number: R-19613 Facility: LOC0014 - 549 Columbian Street549 Columbian StreetWeymouth, MA 02190 Department Name: SHS Patient Accounts Status: Full time Budgeted Hours: 40 Shift: Day (United States of America) The Third-Party Biller/Professional billing will accumulate data from Patient Access and Health Information Management for the purpose of submitting compliant third-party insurance and physician claims. Initiate all collection calls for payment on aged accounts receivable up to the point of self-pay collections. Generates reports for responsible insurance plans and maintains online collection worklists and online claims editing software for maximum efficiency. Ability to decipher reimbursement schemes for assigned insurances to complete the revenue cycle. We are looking for candidates with two years' experience in professional billing. Work Schedule: Monday through Friday, 8:00am- 4:30pm. This position has a hybrid option after 90 days. Key Job Responsibilities: Maintains up-to-date knowledge of all Federal, State and Insurance specific billing regulations, policies, procedures and code sets. Retains knowledge of Hospitals Credit Collection Policy. Notifies manager of any changes that would affect claim submission Evaluates daily claim file using online claim editing software for submission of 1500 claim forms. Initiate claim corrections as defined by insurance regulation and hospital policy. Evaluate unresolved accounts weekly, contact outside departments as needed and submit status to manager weekly to resolve unbillable accounts. Initiate collection of aged accounts receivable through an automated collector work list. Generate reports as needed for collection of aged accounts receivable. Accumulate at the beginning of each month or as requested a listing of unresolved/open accounts with aging greater than 120 days for manager review. Evaluate insurance reimbursement schemes as needed to verify that payments and adjustments have been accurately recorded. Communicate with patients as needed for additional insurance or other information needed in order to process a claim. Generate phone calls or letters as needed to obtain necessary insurance or other related information, prior to an account being placed in self-pay. Obtain proper verification of predefined patient demographic information and maintain documentation in order to verify identity. Technology- Embraces technological solutions to work processes and practices. Uses the API payroll system to enter time worked, sick days, vacations and holidays. Uses Epic to access and run reports. Uses Microsoft Outlook as a communication tool. Access provider web sites for verification of accounts. Safety Awareness- Fosters a "Culture of Safety" through personal ownership and commitment to a safe environment. Successfully answers safety questions in the annual mandatory education packet. Maintains a neat, organized work environment. Adheres to respiratory etiquette guidelines. Other duties as required. Attends and participates in staff meetings, in-service meetings and other activities as related to job performance. Attend seminars, workshops and training sessions offered by providers. Job Requirements: Minimum Education High school graduate or above preferred. Minimum Work Experience 2 years of hospital and/or physicians billing required. Additional Skills, Knowledge, and Abilities: Excel, Word and windows-based computer skills are required Strong analytical skills needed to meet assigned objectives Working knowledge of standardized health care CPT, HCPC and ICD9 coding Competencies Does this employee provide any patient care related services? Yes _ __ No X__ Organizational Competencies Service The extent to which an employee demonstrates an understanding of the organizational and department's service standards and strives to achieve them, treats patients and families with dignity, compassion and respect at all times, and demonstrates courtesy in interactions with members of all departments and disciplines within the Hospital. Teamwork The extent to which an employee acts as a cohesive member of a work team and demonstrates appropriate interactions with all Hospital service providers. Communication Fosters an environment that nurtures collaboration, teamwork and mutual respect through effective communication, and demonstrates positive communication skills evidenced by effective working relationship. Respect For Others Takes actions that indicates a consideration for others and awareness of the impact of one's behavior on others, demonstrates respect for diverse backgrounds of all patients, families, and co-workers, and seeks accommodations. Time and Priority Management Optimizes use of time by efficiently using resources to identify barriers and balance priorities. Efficiently utilizes tools, resources, techniques and/or systems to organize tasks. Balances multiple priorities simultaneously, assuring the timely and accurate completion of each task, while maintaining quality standards. Quality Awareness/Performance Improvement The extent to which an employee demonstrates an understanding of their role in maintaining a commitment to quality. Quality is the consistent provision of safe, effective and satisfying care and services. Safety Awareness Fosters a "Culture of Safety" through personal ownership and commitment to a safe environment. (Department and/or individual performance standards may also be addressed in essential functions of position.) Monday through Friday 8:00am- 4:30pm Responsibilities if Required: Education if Required: License/Registration/Certification Requirements:

Posted 3 weeks ago

Private Risk Advisor (Producer) - Insurance Advisory Solutions-logo
Private Risk Advisor (Producer) - Insurance Advisory Solutions
BRP Group, Inc.Lakeland, FL
The Baldwin Group is an award-winning entrepreneur-led and inspired insurance brokerage firm delivering expertly crafted Commercial Insurance and Risk Management, Private Insurance and Risk Management, Employee Benefits and Benefit Administration, Asset and Income Protection, and Risk Mitigation strategies to clients wherever their passions and businesses take them throughout the U.S. and abroad. The Baldwin Group has award-winning industry expertise, colleagues, competencies, insurers, and most importantly, a highly differentiated culture that our clients consider an invaluable expansion of their business. The Baldwin Group (NASDAQ: BWIN), takes a holistic and tailored approach to insurance and risk management. The Advisor, Private Risk sells new accounts and renews existing accounts in keeping with firm and individual goals. Advisors build and maintain relationships with clients, prospects, the service team, insurance company partners, and centers of influence while identifying and soliciting sales prospects. Principal Responsibilities: Presents proposals in a professional manner, reviewing coverages in detail to ensure understanding. Communicates with clients, prospects, insurance company partners, and service team in an articulate and effective manner. Finalizes the sale and collects necessary documents, applications, etc., and briefs the service team on the policy sale. Develops prospects by becoming involved in community affiliations, attending insurance company partner hosted seminars, building and maintaining relationships with industry contacts, engaging in networking events and through referrals from current accounts. Develops information and recommendations for prospective accounts, presents proposals and adheres to firm policies and procedures for writing a new account. Maintains a concern for accuracy, timeliness and completion when interacting with current and prospective clients, the Firm, and Insurance Company Partners, to minimize potential for errors and omissions claims while demonstrating strong organizational skills with a high attention to detail. Maintains understanding and knowledge of the insurance industry and underwriting criteria for insurance company partners represented by the firm to effectively communicate to all involved. Positively represents the firm in the community and with our insurance company partners. Performs other functions as assigned by leadership. Looks for opportunities to improve the firm, business segment, and processes. Brings issues and discrepancies to the attention of appropriate leadership. Is expected to meet monthly new business goals. Education, Experience, Skills and Abilities Requirements: Certification(s): None required; None preferred License(s): Current State issued Property and Casualty Agent License, or General Lines Agent License. Maintains all licenses as required by the State Department of Insurance to provide service, consultation, and financial risk transfer solutions in states where the firm functions. Demonstrates the organization's core values, exuding behavior that is aligned with the firm's culture Intermediate to advanced knowledge of Microsoft Office Suite (Word, Excel, PowerPoint, Outlook) Ability to learn any other appropriate program or software system used by the firm as necessary Special Working Conditions: Fast paced, multi-tasking environment. Travel is required. Important Notice: This position description is intended to describe the level of work required of the person performing in the role and is not a contract. The essential responsibilities are outlined; other duties may be assigned as needs arise or as required to support the firm. All requirements may be modified to reasonably accommodate physically or mentally challenged colleagues. #LI-JG1 Click here for some insight into our culture! The Baldwin Group will not accept unsolicited resumes from any source other than directly from a candidate who applies on our career site. Any unsolicited resumes sent to The Baldwin Group, including unsolicited resumes sent via any source from an Agency, will not be considered and are not subject to any fees for any placement resulting from the receipt of an unsolicited resume.

Posted 30+ days ago

Territory Manager - Personal Lines (P&C Insurance - MD, WV, DE Territory)-logo
Territory Manager - Personal Lines (P&C Insurance - MD, WV, DE Territory)
Nationwideclendenin, WV
If you're passionate about helping people protect what matters most to them, as well as innovating and simplifying processes and operations to provide the best customer value, then Nationwide's Property and Casualty team could be the place for you! At Nationwide, "on your side" goes beyond just words. Our customers are at the center of everything we do and we're looking for associates who are passionate about delivering extraordinary care. Territory: Maryland, West Virginia & Delaware Physical proximity to assigned territory is not required, though strongly preferred. This is a hybrid role where the amount of field travel will be dependent upon physical location and agency needs. If the selected hire is in-market (as preferred), anticipated travel is 40-50%, including some overnights. Successful candidates will possess: A strong background in the independent agency distribution channel. Carrier-side sales management experience; a combination of carrier and agency-side experience is especially ideal. The proven ability to lead through influence. Top-Line Performance: a track record of success in building results. This role does not qualify for employer-sponsored work authorization. Nationwide does not participate in the Stem OPT Extension program Compensation Grade: G.SD130 #LI-MS1 #LI-REMOTE Job Description Summary At Nationwide, we find purpose in protecting people, businesses and futures with extraordinary care - and we've been doing that since 1926. Our financial strength and caring culture extend beyond our associates into the communities we serve. You really can feel the difference at Nationwide, which is why we continue to be named one of the Fortune 100 Best Companies to Work For. Check out why others think we're a great place to work, too, and let us know - can you see yourself at Nationwide? Our desire to be the carrier of choice for personal insurance lines motivates our dedication to great products and even better customer service. Success is earned through resourcefulness, a real ability to understand the needs of our distribution partners and their customers and a collaborative approach to work. If you have a competitive spirit, some sales swagger, are results-oriented and consider yourself a people person, we want to know more about you! As a Territory Manager, you'll be dedicated to driving profitability with personal lines distribution partners in a predominantly virtual manner. You'll work with a variety of distribution partners, including in size and strategic focus, leveraging the appropriate tools and tactics to drive the desired results for the relationship. Job Description Key Responsibilities: Understands the strategic and operational goals of assigned territory and individual distribution partners, to identify mutually beneficial solutions, leveraging data and analytics, local marketplace information and competitor knowledge Proactively identifies and implements actions to achieve territory goals Leads new business and transfer process, including but not limited to, identification of new transfer and new business appointments, sets expectations for expected results and manages to the commitments, and ensures delivery of new or transferred business production Leverages tools and resources available to increase operational efficiency (e.g., Salesforce, Seismic, dashboards and reporting) Gathers distribution partner feedback and shares continuous improvement opportunities with business partners across the company Collaborates with personal lines and farm geography partners and other Nationwide counterparts, such as claims and servicing, on problem solving, educating, promoting, reviewing sales practices and providing input Completes annual planning process, for appropriate distribution partners, documents agreements in Salesforce, and holds partners accountable to agreements Partners with Product, Marketing and other business partners, as appropriate, to identify and act on opportunities within the territory Leads portfolio management meetings with the appropriate distribution partners to ensure alignment with (or moving forward) the goals of the territory; monitors portfolio data and analysis to drive profitability and revenue through assigned relationships, focused on both top and bottom line growth May perform other responsibilities as assigned. Reporting Relationships: Reports to Sales Associate Vice President or Vice President; individual contributor role. Typical Skills and Experiences: Education: Undergraduate studies in general business, insurance, sales, marketing or related fields; degree preferred. Experience: Typically eight to ten years of sales or sales management experience. Prior property casualty or financial services experience desirable. Knowledge, Abilities and Skills: Manages Complexity: ability to uncover root causes of issues and evaluates risks/benefits of different solution options Customer Focus: ability to establish and maintain effective customer/distribution partner relationships Ensures accountability: very strong ability to establishes clear responsibilities and processes for monitoring work and measuring results Situational Adaptability: proven ability of readily adapting personal/interpersonal behavior and adjust in the moment Communicates Effectively: strong level communication and presentation skills Plan and Align: expert knowledge of how to break down objectives into appropriate initiatives and actions Proven ability to drive results, persuade, collaborate and act with courage Other criteria, including leadership skills, competencies and experiences may take precedence. Staffing exceptions to the above must be approved by the hiring manager's leader and Human Resource Business Partner. Values: Regularly and consistently demonstrates the Nationwide Values. Job Conditions: Overtime Eligibility: Exempt (Not eligible) Working Conditions: Typically work from a remove location. Occasional travel within assigned district. A valid driver's license and safe driving record are required. ADA: The above statements cover what are generally believed to be principal and essential functions of this job. Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of duties. Benefits We have an array of benefits to fit your needs, including: medical/dental/vision, life insurance, short and long term disability coverage, paid time off with newly hired associates receiving a minimum of 18 days paid time off each full calendar year pro-rated quarterly based on hire date, nine paid holidays, 8 hours of Lifetime paid time off, 8 hours of Unity Day paid time off, 401(k) with company match, company-paid pension plan, business casual attire, and more. To learn more about the benefits we offer, click here. Nationwide is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive culture where everyone feels challenged, appreciated, respected and engaged. Nationwide prohibits discrimination and harassment and affords equal employment opportunities to employees and applicants without regard to any characteristic (or classification) protected by applicable law. NOTE TO EMPLOYMENT AGENCIES: We value the partnerships we have built with our preferred vendors. Nationwide does not accept unsolicited resumes from employment agencies. All resumes submitted by employment agencies directly to any Nationwide employee or hiring manager in any form without a signed Nationwide Client Services Agreement on file and search engagement for that position will be deemed unsolicited in nature. No fee will be paid in the event the candidate is subsequently hired as a result of the referral or through other means. Nationwide pays on a geographic-specific salary structure and placement within the actual starting salary range for this position will be determined by a number of factors including the skills, education, training, credentials and experience of the candidate; the scope, complexity and location of the role as well as the cost of labor in the market; and other conditions of employment. If a Sales job, Sales Incentives, based on performance goals are possible in addition to this range. The national salary range for Territory Manager- Personal Lines : $94,000.00-$194,000.00 The expected starting salary range for Territory Manager- Personal Lines : $104,000.00 - $156,000.00

Posted 30+ days ago

Sales Representative, Life Insurance-logo
Sales Representative, Life Insurance
Kemper Corp.Lubbock, TX
Location(s) Lubbock, Texas Details Kemper is one of the nation's leading specialized insurers. Our success is a direct reflection of the talented and diverse people who make a positive difference in the lives of our customers every day. We believe a high-performing culture, valuable opportunities for personal development and professional challenge, and a healthy work-life balance can be highly motivating and productive. Kemper's products and services are making a real difference to our customers, who have unique and evolving needs. By joining our team, you are helping to provide an experience to our stakeholders that delivers on our promises. Role: Life Insurance Sales Agent Employment Type: Full Time Work Arrangement: Field Role Career and Opportunity: Kemper is a diversified insurance holding company. We are firmly committed to servicing the insurance needs of modest-income families. Our strength lies within our dedication to frequent personal visits with our customers in their homes for premium collection and other service needs. You'll start with a paid license preparation/training period! As an Insurance Sales Agent, you will begin with an already existing book of business and have the exciting opportunity to grow the business through your work and dedication. Are you passionate about serving the under-served? This career could be for you! Our Agents gain personal satisfaction and prestige in the community by performing meaningful work to help our clients protect the ones they love and the things they own. With a pay for performance compensation model, Agents have a chance to write their own paycheck with increasing income opportunity as skills and knowledge grow. Superior performance is recognized through awards, prizes, and trips. Benefits: Kemper offers competitive benefits including Group Life Insurance, Major Medical & Dental, Short-term & Long-term disability, 401(k) with company match, Paid Vacation, Employee Stock Purchase Program. Responsibilities: Agents are set up for success by being assigned a territory (called an agency) with an established book of in-force business. Day to day activities: Conducting sales presentations, recommending products, closing sales, and using our Customer Care Sales Model Continuously prospecting for sales opportunities Collecting premiums from policyholders, based on a pre-arranged schedule Responding promptly to policyholder service requests such as beneficiary changes, claims, loans, etc. Appropriately keeping records, accounting for money collected, and processing paperwork Our agents are expected to: Increase the agency size Build strong working relationships with customers Devote whatever time is necessary to fulfill the responsibilities of the position Commit to ongoing development of knowledge and skills Minimum qualifications: Customer service experience The ability to visit customers and prospects door-to-door Must be at least 18 years of age Valid driver's license with 100k/300k auto insurance coverage Dependable vehicle as daily travel is required Ability to pass a background check, motor vehicle report check and drug screening Authorized to work in the United States Preparation: Licensing- We provide assistance and guidance to those who are preparing to sit for licensing exams. Basic Training- New agents complete a basic development program that includes self-study, classroom time, role-play, and extensive fieldwork. On-the-job training allows new agents to earn a paycheck while learning their profession Opportunity is knocking. Don't let it pass you by! Kemper is proud to be an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran, disability status or any other status protected by the laws or regulations in the locations where we operate. We are committed to supporting diversity and equality across our organization and we work diligently to maintain a workplace free from discrimination. Kemper does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Kemper and Kemper will not be obligated to pay a placement fee. Kemper will never request personal information, such as your social security number or banking information, via text or email. Additionally, Kemper does not use external messaging applications like WireApp or Skype to communicate with candidates. If you receive such a message, delete it. #DCE34

Posted 30+ days ago

Sales Representative, Life Insurance-logo
Sales Representative, Life Insurance
Kemper Corp.Commerce, CA
Location(s) Commerce, California Details Kemper is one of the nation's leading specialized insurers. Our success is a direct reflection of the talented and diverse people who make a positive difference in the lives of our customers every day. We believe a high-performing culture, valuable opportunities for personal development and professional challenge, and a healthy work-life balance can be highly motivating and productive. Kemper's products and services are making a real difference to our customers, who have unique and evolving needs. By joining our team, you are helping to provide an experience to our stakeholders that delivers on our promises. Role: Life Insurance Sales Agent Employment Type:Full-Time Work Arrangement: Field Role Career and Opportunity: Kemper is a diversified insurance holding company. We are firmly committed to servicing the insurance needs of modest-income families. Our strength lies within our dedication to frequent personal visits with our customers in their homes for premium collection and other service needs. You'll start with a paid license preparation/training period! As an Insurance Sales Agent, you will begin with an already existing book of business and have the exciting opportunity to grow the business through your work and dedication. Are you passionate about serving the underserved? This career could be for you! Our Agents gain personal satisfaction and prestige in the community by performing meaningful work to help our clients protect the ones they love and the things they own. With a pay-for-performance compensation model, Agents have a chance to write their own paycheck with increasing income opportunities as skills and knowledge grow. Superior performance is recognized through awards, prizes, and trips. The compensation for the role is fully commission-based. Benefits: Kemper offers competitive benefits, including Group Life Insurance, Major Medical & Dental, Short-term & Long-term disability, 401(k) with company match, Paid Vacation, and Employee Stock Purchase Program. Responsibilities: Agents are set up for success by being assigned a territory (called an agency) with an established book of in-force business. Day-to-day activities: Conducting sales presentations, recommending products, closing sales, and using our Customer Care Sales Model Continuously prospecting for sales opportunities Collecting premiums from policyholders based on a pre-arranged schedule Responding promptly to policyholder service requests such as beneficiary changes, claims, loans, etc. Appropriately keeping records, accounting for money collected, and processing paperwork. Our agents are expected to: Increase the agency size Build strong working relationships with customers Devote whatever time is necessary to fulfill the responsibilities of the position Commit to ongoing development of knowledge and skills Minimum qualifications: Customer service experience The ability to visit customers and prospects door-to-door Must be at least 18 years of age Valid driver's license with 100k/300k auto insurance coverage Dependable vehicle as daily travel is required Ability to pass a background check, motor vehicle report check, and drug screening Authorized to work in the United States Preparation: Licensing- We provide assistance and guidance to those who are preparing to sit for licensing exams. Basic Training- New agents complete a basic development program that includes self-study, classroom time, role-play, and extensive fieldwork. On-the-job training allows new agents to earn a paycheck while learning their profession. Opportunity is knocking. Don't let it pass you by! Kemper is proud to be an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran, disability status, or any other status protected by the laws or regulations in the locations where we operate. We are committed to supporting diversity and equality across our organization and we work diligently to maintain a workplace free from discrimination. Kemper does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Kemper and Kemper will not be obligated to pay a placement fee. Kemper will never request personal information, such as your social security number or banking information, via text or email. Additionally, Kemper does not use external messaging applications like WireApp or Skype to communicate with candidates. If you receive such a message, delete it.

Posted 30+ days ago

Sales Representative, Life Insurance-logo
Sales Representative, Life Insurance
Kemper Corp.Macon, GA
Location(s) Macon, Georgia Details Kemper is one of the nation's leading specialized insurers. Our success is a direct reflection of the talented and diverse people who make a positive difference in the lives of our customers every day. We believe a high-performing culture, valuable opportunities for personal development and professional challenge, and a healthy work-life balance can be highly motivating and productive. Kemper's products and services are making a real difference to our customers, who have unique and evolving needs. By joining our team, you are helping to provide an experience to our stakeholders that delivers on our promises. Role: Life Insurance Sales Agent Employment Type: Full Time Work Arrangement: Field Role Career and Opportunity: Kemper is a diversified insurance holding company. We are firmly committed to servicing the insurance needs of modest-income families. Our strength lies within our dedication to frequent personal visits with our customers in their homes for premium collection and other service needs. You'll start with a paid license preparation/training period! As an Insurance Sales Agent, you will begin with an already existing book of business and have the exciting opportunity to grow the business through your work and dedication. Are you passionate about serving the under-served? This career could be for you! Our Agents gain personal satisfaction and prestige in the community by performing meaningful work to help our clients protect the ones they love and the things they own. With a pay for performance compensation model, Agents have a chance to write their own paycheck with increasing income opportunity as skills and knowledge grow. Superior performance is recognized through awards, prizes, and trips. Benefits: Kemper offers competitive benefits including Group Life Insurance, Major Medical & Dental, Short-term & Long-term disability, 401(k) with company match, Paid Vacation, Employee Stock Purchase Program. Responsibilities: Agents are set up for success by being assigned a territory (called an agency) with an established book of in-force business. Day to day activities: Conducting sales presentations, recommending products, closing sales, and using our Customer Care Sales Model Continuously prospecting for sales opportunities Collecting premiums from policyholders, based on a pre-arranged schedule Responding promptly to policyholder service requests such as beneficiary changes, claims, loans, etc. Appropriately keeping records, accounting for money collected, and processing paperwork Our agents are expected to: Increase the agency size Build strong working relationships with customers Devote whatever time is necessary to fulfill the responsibilities of the position Commit to ongoing development of knowledge and skills Minimum qualifications: Customer service experience The ability to visit customers and prospects door-to-door Must be at least 18 years of age Valid driver's license with 100k/300k auto insurance coverage Dependable vehicle as daily travel is required Ability to pass a background check, motor vehicle report check and drug screening Authorized to work in the United States Preparation: Licensing- We provide assistance and guidance to those who are preparing to sit for licensing exams. Basic Training- New agents complete a basic development program that includes self-study, classroom time, role-play, and extensive fieldwork. On-the-job training allows new agents to earn a paycheck while learning their profession Opportunity is knocking. Don't let it pass you by! Kemper is proud to be an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran, disability status or any other status protected by the laws or regulations in the locations where we operate. We are committed to supporting diversity and equality across our organization and we work diligently to maintain a workplace free from discrimination. Kemper does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Kemper and Kemper will not be obligated to pay a placement fee. Kemper will never request personal information, such as your social security number or banking information, via text or email. Additionally, Kemper does not use external messaging applications like WireApp or Skype to communicate with candidates. If you receive such a message, delete it.

Posted 30+ days ago

Sales Manager, Life Insurance-logo
Sales Manager, Life Insurance
Kemper Corp.Clinton, SC
Location(s) Clinton, South Carolina Details Kemper is one of the nation's leading specialized insurers. Our success is a direct reflection of the talented and diverse people who make a positive difference in the lives of our customers every day. We believe a high-performing culture, valuable opportunities for personal development and professional challenge, and a healthy work-life balance can be highly motivating and productive. Kemper's products and services are making a real difference to our customers, who have unique and evolving needs. By joining our team, you are helping to provide an experience to our stakeholders that delivers on our promises. Position Summary: Kemper Home Service team seeking a Sales Manager to work with agents within their assigned territory. The job functions of the Sales Manager include recruiting, training and supervising the agents (average of seven) assigned. Position Responsibilities: Responsible for the performance of his/her agents and is expected to achieve results through consistent recruiting, training and supervising activities Continuously prospecting for agent candidates. Regularly works with the assigned agents, supervising and monitoring the agent's job functions including sales and collection activity. Conducts business inspections in the field and by phone to ensure that company policies and procedures are being followed. Provides service for agencies without an assigned agent. Reports to the District Manager. Position Qualifications: 2+ years of sales management or equivalent experience. Fully licensed in Life, Health, Property and Casualty required. This position requires work in-office and in the field, as business dictates, 50-100% of time will be spent in the field to recruit, train/develop, and support agents in their assigned territories. Kemper is proud to be an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran, disability status or any other status protected by the laws or regulations in the locations where we operate. We are committed to supporting diversity and equality across our organization and we work diligently to maintain a workplace free from discrimination. Kemper does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Kemper and Kemper will not be obligated to pay a placement fee. Kemper will never request personal information, such as your social security number or banking information, via text or email. Additionally, Kemper does not use external messaging applications like WireApp or Skype to communicate with candidates. If you receive such a message, delete it.

Posted 30+ days ago

Sales Representative, Life Insurance-logo
Sales Representative, Life Insurance
Kemper Corp.Clear Lake, TX
Location(s) Clear Lake, Texas Details Kemper is one of the nation's leading specialized insurers. Our success is a direct reflection of the talented and diverse people who make a positive difference in the lives of our customers every day. We believe a high-performing culture, valuable opportunities for personal development and professional challenge, and a healthy work-life balance can be highly motivating and productive. Kemper's products and services are making a real difference to our customers, who have unique and evolving needs. By joining our team, you are helping to provide an experience to our stakeholders that delivers on our promises. Role: Life Insurance Sales Agent Employment Type: Full Time Work Arrangement: Field Role Career and Opportunity: Kemper is a diversified insurance holding company. We are firmly committed to servicing the insurance needs of modest-income families. Our strength lies within our dedication to frequent personal visits with our customers in their homes for premium collection and other service needs. You'll start with a paid license preparation/training period! As an Insurance Sales Agent, you will begin with an already existing book of business and have the exciting opportunity to grow the business through your work and dedication. Are you passionate about serving the under-served? This career could be for you! Our Agents gain personal satisfaction and prestige in the community by performing meaningful work to help our clients protect the ones they love and the things they own. With a pay for performance compensation model, Agents have a chance to write their own paycheck with increasing income opportunity as skills and knowledge grow. Superior performance is recognized through awards, prizes, and trips. Benefits: Kemper offers competitive benefits including Group Life Insurance, Major Medical & Dental, Short-term & Long-term disability, 401(k) with company match, Paid Vacation, Employee Stock Purchase Program. Responsibilities: Agents are set up for success by being assigned a territory (called an agency) with an established book of in-force business. Day to day activities: Conducting sales presentations, recommending products, closing sales, and using our Customer Care Sales Model Continuously prospecting for sales opportunities Collecting premiums from policyholders, based on a pre-arranged schedule Responding promptly to policyholder service requests such as beneficiary changes, claims, loans, etc. Appropriately keeping records, accounting for money collected, and processing paperwork Our agents are expected to: Increase the agency size Build strong working relationships with customers Devote whatever time is necessary to fulfill the responsibilities of the position Commit to ongoing development of knowledge and skills Minimum qualifications: Customer service experience The ability to visit customers and prospects door-to-door Must be at least 18 years of age Valid driver's license with 100k/300k auto insurance coverage Dependable vehicle as daily travel is required Ability to pass a background check, motor vehicle report check and drug screening Authorized to work in the United States Preparation: Licensing- We provide assistance and guidance to those who are preparing to sit for licensing exams. Basic Training- New agents complete a basic development program that includes self-study, classroom time, role-play, and extensive fieldwork. On-the-job training allows new agents to earn a paycheck while learning their profession Opportunity is knocking. Don't let it pass you by! Kemper is proud to be an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran, disability status or any other status protected by the laws or regulations in the locations where we operate. We are committed to supporting diversity and equality across our organization and we work diligently to maintain a workplace free from discrimination. Kemper does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Kemper and Kemper will not be obligated to pay a placement fee. Kemper will never request personal information, such as your social security number or banking information, via text or email. Additionally, Kemper does not use external messaging applications like WireApp or Skype to communicate with candidates. If you receive such a message, delete it. #DCE34

Posted 1 week ago

ACA Licensed Insurance Agent - Medicare-logo
ACA Licensed Insurance Agent - Medicare
BRP Group, Inc.Fraser, MI
The Baldwin Group is a dedicated team of professionals who specialize in business insurance, employee benefits, retirement planning, and personal insurance. We've grown from a small local company in 2011 to a major national firm with a wide range of expertise, serving two million customers across the United States. The Baldwin Group Personal and Health Insurance works with healthcare companies, medical providers, and community organizations. We're known as one of the top Field Marketing Organizations (FMO's) in our industry. The Group ranks as one of the top 20 insurance brokers in the United States. Job Description Summary: Seeking driven, self-motivated, energetic talent to join our team! If you are considering a career move, or already a licensed agent seeking change, then look no further! With ACA Open Enrollment rapidly approaching now is the time to elevate your career with an opportunity that is not only rewarding, but lucrative. 32 million Americans are uninsured, and another 38 million are underinsured. This means that nearly one-third of Americans are unprepared for the potential worst day of their lives. With our competitive products, provided leads, top notch sales software, and our elite training program you will be set up for success Principal Responsibilities: Calculate insurance premiums by gathering pertinent information utilizing different quoting engines Communicate and present an insurance package to approximately 50-100 live clients each day Respond to customer inquiries with compassion and active listening and select the best solution in an efficient manner Adhere to all contract, property, and insurance laws Provide customer service for each client to maintain a positive client-advisor relationship Education, Experience, Skills and Abilities Requirements: High School Diploma required, Undergraduate degree a plus Life & Health License not required but preferred. Must demonstrate an aptitude for problem-solving and a strong desire to succeed Ability to determine solutions for customers and problem solve in real time (consultative sales approach) Must be results-orientated and able to work both independently and within a team environment Must possess excellent verbal and written communication skills Compensation and Benefits Competitive base pay plus annual holiday bonus Benefits: 401k, Health, Dental, Vision, PTO, 12 paid holidays. #LI-SL1 IND1 Click here for some insight into our culture! The Baldwin Group will not accept unsolicited resumes from any source other than directly from a candidate who applies on our career site. Any unsolicited resumes sent to The Baldwin Group, including unsolicited resumes sent via any source from an Agency, will not be considered and are not subject to any fees for any placement resulting from the receipt of an unsolicited resume.

Posted 2 weeks ago

Commercial Financial Services | Managing Consultant - Insurance-logo
Commercial Financial Services | Managing Consultant - Insurance
GuidehouseNew York, NY
Job Family: Management Consulting Travel Required: Up to 75%+ Clearance Required: None What You Will Do: As a Managing Consultant at Guidehouse, you will have responsibility for client management, solution implementation, and generation of project results. You will own project workstreams and interact with the client daily to ensure engagement success. This includes supporting day-to-day operational meetings with client sponsors and consulting leaders. As a Managing Consultant, you will be expected to lead, coach, and mentor consultants and ensure quality deliverables. Your responsibilities will also include preparing and communicating well-organized, effective reports and presentations to client and internal executives. We encourage career development and hiring for the long term. As a Managing Consultant, you will follow a clearly defined career path. As you hone your specialized industry knowledge, consulting, and business development skills, as well as your leadership and managerial abilities, you will have the opportunity to progress to the Associate Director level. What You Will Need: Bachelor's degree; Relevant experience may be substituted for formal education or advanced degree Minimum 5+ years of prior relevant experience in consulting, industry, or a combination of both Ability to travel for engagements as required Excellent presentation, facilitation, client relationship, and verbal & written communication skills Proficiency in Microsoft Office products including Word, Excel, PowerPoint Knowledge of and experience in each of the following areas: Insurance operations and lifecycle Program / project management Business process improvement and automation Business architecture and operating models What Would Be Nice To Have: Prior management consulting experience MBA or MA/MS degree in a related field Experience working on discrete, time sensitive projects Highly motivated, driven, and dynamic attitude towards work and career Aptitude to lead by example Proven ability to: work independently with limited supervision lead, direct, and review the work of team members to accomplish project plans and deliver the highest quality work problem-solve and collaborate successfully with others provide guidance, coaching, and training to other employees across the insurance practice within various areas of expertise and junior consultants establish key elements of operational plans with measurable contribution towards the achievement of results within the insurance client's operations thrive in a fast-paced challenging client focused environment where priorities and scope may change quickly The annual salary range for this position is $113,000.00-$188,000.00. Compensation decisions depend on a wide range of factors, including but not limited to skill sets, experience and training, security clearances, licensure and certifications, and other business and organizational needs. What We Offer: Guidehouse offers a comprehensive, total rewards package that includes competitive compensation and a flexible benefits package that reflects our commitment to creating a diverse and supportive workplace. Benefits include: Medical, Rx, Dental & Vision Insurance Personal and Family Sick Time & Company Paid Holidays Position may be eligible for a discretionary variable incentive bonus Parental Leave and Adoption Assistance 401(k) Retirement Plan Basic Life & Supplemental Life Health Savings Account, Dental/Vision & Dependent Care Flexible Spending Accounts Short-Term & Long-Term Disability Student Loan PayDown Tuition Reimbursement, Personal Development & Learning Opportunities Skills Development & Certifications Employee Referral Program Corporate Sponsored Events & Community Outreach Emergency Back-Up Childcare Program Mobility Stipend About Guidehouse Guidehouse is an Equal Opportunity Employer-Protected Veterans, Individuals with Disabilities or any other basis protected by law, ordinance, or regulation. Guidehouse will consider for employment qualified applicants with criminal histories in a manner consistent with the requirements of applicable law or ordinance including the Fair Chance Ordinance of Los Angeles and San Francisco. If you have visited our website for information about employment opportunities, or to apply for a position, and you require an accommodation, please contact Guidehouse Recruiting at 1-571-633-1711 or via email at RecruitingAccommodation@guidehouse.com. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodation. All communication regarding recruitment for a Guidehouse position will be sent from Guidehouse email domains including @guidehouse.com or guidehouse@myworkday.com. Correspondence received by an applicant from any other domain should be considered unauthorized and will not be honored by Guidehouse. Note that Guidehouse will never charge a fee or require a money transfer at any stage of the recruitment process and does not collect fees from educational institutions for participation in a recruitment event. Never provide your banking information to a third party purporting to need that information to proceed in the hiring process. If any person or organization demands money related to a job opportunity with Guidehouse, please report the matter to Guidehouse's Ethics Hotline. If you want to check the validity of correspondence you have received, please contact recruiting@guidehouse.com. Guidehouse is not responsible for losses incurred (monetary or otherwise) from an applicant's dealings with unauthorized third parties. Guidehouse does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Guidehouse and Guidehouse will not be obligated to pay a placement fee.

Posted 30+ days ago

Sales Representative, Life Insurance-logo
Sales Representative, Life Insurance
Kemper Corp.Decatur, AL
Location(s) Decatur, Alabama Details Kemper is one of the nation's leading specialized insurers. Our success is a direct reflection of the talented and diverse people who make a positive difference in the lives of our customers every day. We believe a high-performing culture, valuable opportunities for personal development and professional challenge, and a healthy work-life balance can be highly motivating and productive. Kemper's products and services are making a real difference to our customers, who have unique and evolving needs. By joining our team, you are helping to provide an experience to our stakeholders that delivers on our promises. Role: Life Insurance Sales Agent Employment Type:Full Time Work Arrangement: Field Role Career and Opportunity: Kemper is a diversified insurance holding company. We are firmly committed to servicing the insurance needs of modest-income families. Our strength lies within our dedication to frequent personal visits with our customers in their homes for premium collection and other service needs. You'll start with a paid license preparation/training period! As an Insurance Sales Agent, you will begin with an already existing book of business and have the exciting opportunity to grow the business through your work and dedication. Are you passionate about serving the under-served? This career could be for you! Our Agents gain personal satisfaction and prestige in the community by performing meaningful work to help our clients protect the ones they love and the things they own. With a pay for performance compensation model, Agents have a chance to write their own paycheck with increasing income opportunity as skills and knowledge grow. Superior performance is recognized through awards, prizes, and trips. Benefits: Kemper offers competitive benefits including Group Life Insurance, Major Medical & Dental, Short-term & Long-term disability, 401(k) with company match, Paid Vacation, Employee Stock Purchase Program. Responsibilities: Agents are set up for success by being assigned a territory (called an agency) with an established book of in-force business. Day to day activities: Conducting sales presentations, recommending products, closing sales, and using our Customer Care Sales Model Continuously prospecting for sales opportunities Collecting premiums from policyholders, based on a pre-arranged schedule Responding promptly to policyholder service requests such as beneficiary changes, claims, loans, etc. Appropriately keeping records, accounting for money collected, and processing paperwork Our agents are expected to: Increase the agency size Build strong working relationships with customers Devote whatever time is necessary to fulfill the responsibilities of the position Commit to ongoing development of knowledge and skills Minimum qualifications: Customer service experience The ability to visit customers and prospects door-to-door Must be at least 18 years of age Valid driver's license with 100k/300k auto insurance coverage Dependable vehicle as daily travel is required Ability to pass a background check, motor vehicle report check and drug screening Authorized to work in the United States Preparation: Licensing- We provide assistance and guidance to those who are preparing to sit for licensing exams. Basic Training- New agents complete a basic development program that includes self-study, classroom time, role-play, and extensive fieldwork. On-the-job training allows new agents to earn a paycheck while learning their profession Opportunity is knocking. Don't let it pass you by! Kemper is proud to be an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran, disability status or any other status protected by the laws or regulations in the locations where we operate. We are committed to supporting diversity and equality across our organization and we work diligently to maintain a workplace free from discrimination. Kemper does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Kemper and Kemper will not be obligated to pay a placement fee. Kemper will never request personal information, such as your social security number or banking information, via text or email. Additionally, Kemper does not use external messaging applications like WireApp or Skype to communicate with candidates. If you receive such a message, delete it.

Posted 30+ days ago

Commercial Insurance Account Manager (Remote - Mountain Time)-logo
Commercial Insurance Account Manager (Remote - Mountain Time)
National Financial Partners Corp.Glendale, AZ
Who We Are: NFP, an Aon Company, is a multi-year Best Places to Work award winner in Business Insurance who has also earned the WORK180 employer endorsement. We are an organization of consultative advisors and problem solvers. We help companies and individuals around the globe address their most significant risk, workforce, wealth management and retirement challenges through custom solutions and a people-first approach. To learn more, please visit: https://www.NFP.com . Summary: The Select Business Unit Account Manager is responsible for working with Advisors/Client Executives and Account Executives to service franchise client accounts. The position requires day to day client servicing for a specific set of clients and entails a great deal of verbal, electronic and other written communications. The Account Manager will manage the renewal and marketing process, and prepare materials for presentations and communications, in collaboration with their more senior team members. Work is completed with a significant amount of independent discretion. While in this role, this person should be developing relationships with clients and carrier contacts and working proactively to effectively and efficiently deliver services to clients. In addition to managing their own clients, may also continue to support the Account Management Team as assigned. This is a full-time remote position. The standard working hours are Monday through Friday, from 8:00 AM to 5:00 PM Mountain Time (MT). A confidential workspace must be maintained to ensure the privacy and security of sensitive information. Essential Duties and Responsibilities: Works proactively to develop relationships with carrier and client contacts; may take active role in meetings Prepare and send the request for proposals to applicable insurance carriers and spreadsheets results as they come in. First draft of renewal presentation. Takes the lead on reviewing proposals and carrier source documents for accuracy in collaboration with the Account Executive or Advisor/Client Executive. Begins to communicate directly with clients and carriers, with approval from the Account Executive or Advisor/Client Executive. Creates and maintains client files in accordance with office procedures. May be responsible for keeping client policy records in the agency management system. First line of answering billing questions from clients and insurance company personnel with assistance from Accounting Dept. when necessary. Knowledge, Skills, and/or Abilities: Highly organized with excellent verbal and written communication skills. Self-confident to make sound independent decisions Ability to successfully interact with a variety of people and function well both in a team environment and autonomously. Ability to handle situations in a calm, courteous and professional manner Customer focused to establish and maintain effective relationships Intermediate level of experience in Microsoft Office products, specifically Word, Excel and Outlook Ability to prioritize multiple tasks to meet deadlines Must be able to read, analyze and reconcile financial reports Possess strong analytical and problem solving skills Sharp attention to detail, decision making skills, and problem resolution Flexibility and adaptability to changing priorities, deadlines and technology. Ability to manage and review highly sensitive and complex material. Capacity to maintain discretion and uphold confidentiality Education and/or Experience: High School diploma or equivalent required; Associate's degree or BA/BS preferred. More than 3 years of client service and/or industry and product line experience. Certificates, Licenses, Registration: P&C Insurance License required. What We Offer: We're proud to offer a competitive salary, PTO & paid holidays, 401(k) with match, exclusive discount programs, health & wellness programs, and more. Our PeopleFirst culture focuses on building and nurturing lifelong relationships with our employees because, at the end of the day, we exist to be there for others. The base salary range for this position is $40,000.00 - $68,000.00. The base salary offered will be determined by factors including, but not limited to, experience, credentials, education, certifications, skill level required for the position, the scope of the position, and geographic location. Actual base salary offered will be determined on a case-by-case basis. In addition to the base salary, this position may be eligible for performance-based incentives. NFP and You... Better Together! NFP is an inclusive Equal Employment Opportunity employer.

Posted 1 week ago

Program Manager - Construction Project Risk (Insurance)-logo
Program Manager - Construction Project Risk (Insurance)
Clark InsuranceDallas, TX
Company: Marsh Description: Are you ready to shape the future of risk management in the construction industry? At Marsh, a leader in risk management, we are seeking a talented individual to join our dynamic team. This role will be based in Dallas, TX, Houston, TX, or Austin, TX, and offers a hybrid work environment with a requirement of working at least three days a week in the office. About the Role: As a trusted program risk manager, you will provide tailored advice and solutions to clients regarding program management while managing an account load and acting as a liaison between various Marsh resources and clients. You will collaborate with the administration of the program alongside loss control and claims advocates, partner with Risk Practices for business placement, interact with insurers for documentation, and support account retention and growth through program management efforts. We will count on you to: Be a key member of the project risk team, assisting owners, developers, and contractors with wrap-up program (OCIP/CCIP/Rolling) design and project administration for large local and national construction projects. Execute Marsh project-specific casualty solutions, including multi-site and rolling wrap-up programs, acting as an advocate and advisor for clients. Engage contractors and subcontractors directly to facilitate participation in clients' wrap-up programs and work closely with Project Administrators for smooth execution. Facilitate carrier audits and program close-outs while collaborating with other advisory and placement colleagues as needed. What you need to have: 3+ years of experience in insurance, specifically wrap/construction insurance and OCIP/CCIP experience. Proficiency in Microsoft Word, Excel, and PowerPoint. P&C license required or ability to obtain within 90 days of hire. Excellent communication skills (verbal and written). What makes you stand out: Bachelor's degree. Technical product line experience preferred. Highly organized with the ability to prioritize tasks based on urgency. Managerial experience. Why join our team: We help you be your best through professional development opportunities, interesting work, and supportive leaders. We foster a vibrant and inclusive culture where you can work with talented colleagues to create new solutions and have an impact on colleagues, clients, and communities. Our scale enables us to provide a range of career opportunities, as well as benefits and rewards to enhance your well-being. #LI-JG3 Marsh, a business of Marsh McLennan (NYSE: MMC), is the world's top insurance broker and risk advisor. Marsh McLennan is a global leader in risk, strategy and people, advising clients in 130 countries across four businesses: Marsh, Guy Carpenter, Mercer and Oliver Wyman. With annual revenue of $24 billion and more than 90,000 colleagues, Marsh McLennan helps build the confidence to thrive through the power of perspective. For more information, visit marsh.com, or follow on LinkedIn and X. Marsh McLennan is committed to embracing a diverse, inclusive and flexible work environment. We aim to attract and retain the best people and embrace diversity of age background, disability, ethnic origin, family duties, gender orientation or expression, marital status, nationality, parental status, personal or social status, political affiliation, race, religion and beliefs, sex/gender, sexual orientation or expression, skin color, veteran status (including protected veterans), or any other characteristic protected by applicable law. If you have a need that requires accommodation, please let us know by contacting reasonableaccommodations@mmc.com. Marsh McLennan is committed to hybrid work, which includes the flexibility of working remotely and the collaboration, connections and professional development benefits of working together in the office. All Marsh McLennan colleagues are expected to be in their local office or working onsite with clients at least three days per week. Office-based teams will identify at least one "anchor day" per week on which their full team will be together in person.

Posted 3 weeks ago

VP, Insurance Product Management-logo
VP, Insurance Product Management
Next InsuranceWaltham, MA
Location: Waltham, MA (hybrid) NEXT's mission is to help entrepreneurs thrive. We're doing that by building the only technology-led, full-stack provider of small business insurance in the industry, taking on the entire value chain and transforming the customer experience. Simply put, wherever you find small businesses, you'll find NEXT. Since 2016, we've helped hundreds of thousands of small business customers across the United States get fast, customized and affordable coverage. We're backed by industry leaders in insurance and tech, and we still have room to grow - that's where you come in. The VP, Insurance Product Management will play a pivotal role in shaping the future of our insurance offerings. This individual will be responsible for leading the end-to-end lifecycle of our insurance product portfolio, from ideation and strategy to execution and optimization. As a key member of the leadership team, you will work closely with distribution channel leaders, engineering leaders and other cross-functional teams to create innovative products that meet the evolving needs of the insurance market. This role is pivotal in leveraging cutting-edge technology to transform our underwriting, pricing, and claims processes, harnessing the power of Generative AI and Machine Learning models to accelerate automation and drive innovation. What You'll Do: Product Strategy & Vision: Develop and execute a clear, forward-thinking insurance product strategy that delivers on business objectives and growth targets. Define and execute a roadmap for product launches, enhancements, and market expansions in both existing and emerging insurance verticals. Insurance Product Development: Lead the end-to-end insurance product development process, from market research through ideation, implementation and optimization Collaborate with claims leaders to inform designs of insurance coverages Partner with engineering teams to design modular platform solutions and specify technical business requirements for agile, high quality insurance product delivery. Work closely with underwriting and actuarial teams to build proprietary and innovative rating and underwriting systems for effective risk segmentation and profitability. Go-to-Market Strategy: Collaborate with distribution channel leaders to develop effective go-to-market strategies for all insurance products. Provide thought leadership and expertise to enable the successful positioning of products in the marketplace. Financial Performance: P&L accountability by line of business through ongoing management of insurance products, including all pricing and underwriting decisions, performance monitoring, and iteration based on data-driven insights. Risk & Compliance Management: Ensure all products comply with regulatory requirements and industry standards, working closely with legal and compliance teams to navigate the complex insurance landscape. Key Attributes: Exceptional Collaboration Skills: Ability to engage with diverse teams and stakeholders, fostering trust and transparency while balancing competing interests. Emotional Intelligence: Strong interpersonal skills with a high degree of self-awareness, empathy, and tact in navigating difficult conversations and managing stakeholder dynamics. Conflict Management: Proven experience in diffusing tension and resolving conflicts productively, ensuring that all parties feel heard and valued. Strategic Influence: Skilled in influencing others through persuasion, understanding, and relationship-building. Accountability and Ownership: Takes decisive action to meet or exceed targets, continuously evaluating performance, and making adjustments when necessary to deliver impactful results. What We Need: Experience: 12+ years of experience in commercial insurance product management, with at least 6 years in a leadership role, ideally in an InsurTech or insurance company. Experience in managing complex, multi-disciplinary teams and driving product development from ideation to execution. Deep Industry Knowledge: In-depth knowledge of the commercial lines P&C insurance industry, including products, underwriting, claims, distribution channels, and regulatory environment. Familiarity with emerging trends in InsurTech and digital transformation within insurance is highly desirable Leadership: Proven ability to lead cross-functional teams and navigate the complexities of working in a high-growth, fast-paced environment. Strong experience in setting strategic direction and delivering results. Analytical Skills: Strong ability to analyze market trends, customer data, and product performance to inform decision-making and drive continuous improvement. Customer-Centric Mindset: A passion for creating user-centered, innovative products that solve real-world problems and improve the customer experience in the insurance space. Communication Skills: Exceptional written and verbal communication skills with the ability to effectively present to senior leadership, external partners, and cross-functional teams. Educational Background: Bachelor's degree in Business, Finance, Insurance, or a related field (Master's or MBA preferred). Unstoppable Qualities: Experience working in a SaaS (Software as a Service) environment or building insurance products that leverage technology, AI/ML, and data. Understanding of actuarial models and pricing structures.

Posted 1 week ago

Life Insurance Agent-logo
Life Insurance Agent
AAA Northern California, Nevada and Utah Insurance ExchangePinole, CA
Why Work For Us? Great Pay - opportunity to participate in AAA discretionary annual incentive plan or other incentive plans depending upon position 401k Matching - $1 for $1 company match up to 6% of eligible earnings per pay period Benefits- Medical, Dental, Vision, wellness program and more! Paid Holidays Paid Time Off- Team Members accrue paid time off monthly. Depending on position, an additional 24 hours per year are earmarked for volunteer activities. Collaborative Environment- AAA will value your contribution to providing exceptional service to our members Free AAA Classic Membership AAA Product Discounts Tuition Reimbursement Program . At AAA, our Team Members strive to deliver amazing service and help our Members outsmart life's roadblocks. We believe everything you do outside of work adds to who you are at work. We're working to transform AAA for the next century with a mission to create Members for life by unleashing the innovative spirit of our Team Members. Essential Functions Maximizes life insurance market penetration with current members and property/casualty insureds and stays vigilant for new sales opportunities. Maintains high quality production and persistency standards to assure profitable growth. Identifies and develops sales opportunities within the community. Follows company approved sales process in the completion of required financial, activity and sales reporting. Provides life sales support and training on lead development and identification for the frontline employees, Insurance Sales Agents (P/C) and other staff who come in contact with members/ insureds. Establishes and maintains strong working relationships with front line employees, Sales Agents and the branch management team. Notifies Agents in a timely manner of result with referred lead. Provides leads from life insureds and other calls to Sales Agents for other products/services, i.e., membership, auto/homeowners and travel insurance. Stays well-informed of changes and developments in policy and/or external practices. Attends meetings to obtain information, provide input, keep lines of communication open, stay updated and offer sales ideas when appropriate. Keeps current in industry; maintains continuing education for licensure. Develops annual business plan with input and involvement from the Life Sales Manager to meet goals and determine responsibilities, including new business life sales, quality standards, as well as building outstanding customer relationships. Reviews plan objectives and reassesses strategies to align performance relative to annual sales goals. Ensures compliance with NCNU and AAA Life and regulations, as well as external regulations Knowledge/Skills/Abilities Strong interpersonal, presentation and communication skills needed to interact with staff, members and insureds effectively Ability to cultivate relationships with peers and staff; educates staff to make referrals to Life Insurance Agents Computer skills in basic software applications, and navigating business applications specific to life insurance Demonstrated skills in selling life insurance and annuities; Skills to develop, track and effectively follow up on leads (preferred) Strong knowledge in sales techniques, life product line illustrations, features and benefits (preferred) Demonstrated skills in prospecting and lead generation abilities (preferred) Bilingual communication skills (preferred) Education & Experience/Licenses & Certification High School Diploma or GED Valid Automobile Operator's License Active State Resident Life Insurance License Bachelor's degree in related area or an equivalent combination of education and experience (preferred) 1+ years experience in Life Insurance and/or Annuity Sales (preferred) CLU, ChFC and/or LUTCF Designations (preferred) Work Environment/Physical Requirements Works in an office environment sitting at a desk, table or computer workstation for extended periods of time. May travel by car, plane or other form of transportation to attend business meetings or conferences. Approximately 50-80 percent of the time spent on the job involves the use of a personal computer. $16.50/hour non-recoverable draw on commission+ incentive #LIFE

Posted 3 days ago

Product Mgr I, Insurance (Hybrid)-logo
Product Mgr I, Insurance (Hybrid)
RELX GroupAlpharetta, GA
Are you keen to develop your Product Management career? Would you enjoy working on our cutting-edge products? About the business LexisNexis Risk Solutions is the essential partner in the assessment of risk. Within our Insurance vertical, we provide customers with solutions and decision tools that combine public and industry specific content with advanced technology and analytics to assist them in evaluating and predicting risk and enhancing operational efficiency. Our insurance risk solutions help drive better data-driven decisions across the insurance policy lifecycle all while reducing risk. You can learn more about LexisNexis Risk at the link below. https://risk.lexisnexis.com/insurance About the team The Credit Solutions team specializes in delivering credit-based and credit-complementary data products to the insurance market, enabling accurate rating and underwriting of new and renewal business. We pride ourselves on being customer-centric, analytical, and professional problem solvers. We are a fast-paced, highly collaborative product team. Our commitment to excellence ensures that we meet the needs of our clients effectively. About the role The Product Manager will join the Credit and Public Records Product Management team, supporting the National Credit File, InsurView, and Commercial Credit products. This team is responsible for providing credit-based and complementary data products to the insurance market that help carriers price and underwrite new and renewal business. The Product Manager demonstrates an in-depth knowledge on the use of information in the insurance (or related) industry and LexisNexis products, product management principles, and laws and regulations (including FCRA, DPPA, and GLBA regulations) governing data protection and security. The Product Manager serves as a product owner and SME for a product, applying experience and expertise to oversee product performance and ensure ongoing and increasing market value. This role involves collaboration with verticals, client engagement, operations, technology, and finance, and is performed with a high degree of autonomy. This position will be hybrid from Alpharetta, GA - 3x a week. Responsibilities: Customer Focus: Directly addresses customer complaints and focuses on delivering commitments. Independently interacts with customers to understand their needs and market basics, staying updated on market news and competitors. Acts as a product evangelist and subject matter expert to both internal and external partners. Data-Driven Decision-Making & Analysis: Analyzes situations and data autonomously, comparing various possibilities and making recommendations considering business implications. Proficient in using predefined dashboards to make informed decisions. Product Marketing: Develops and updates marketing materials to convey product details, benefits, and competitive comparisons. Executes go-to-market plans and communicates product performance and updates within the organization. Supports client engagement through presentations, training, and implementation recommendations. Product Support: Acts as a Subject Matter Expert, resolving customer issues and consulting with Client Engagement. Monitors product operations, including customer questions and system performance, within agreed Service Level Agreements. Tracks financial trends and forecasts. Strategy & Commercial Acumen: Links personal goals with product team strategies and contributes to the product strategy and roadmap. Understands and utilizes drivers for improving customer experience and aligns role contributions with business goals. Technical Skills: Engages with developers to understand technology constraints and prioritizes requirement changes. Facilitates proper product documentation and uses tools to coordinate activities and ensure quality. Participates in process improvement and understands relevant technology architecture. Qualifications: Minimum Education: Bachelor's Degree in business or other quantitative field. MBA or equivalent preferred. Minimum 2-4 years of experience in a product management function, preferably in insurance (or related field) or the data decisioning industry. Competencies: Builds relationships by being approachable and friendly, and participates in gatherings to develop new relationships. Demonstrates business acumen with knowledge of business principles and financial understanding. Collaborates effectively within teams and communicates powerfully. Drives for results, innovates, inspires others, practices self-development, and solves problems efficiently. We know that your wellbeing and happiness are key to a long and successful career. These are some of the benefits we are delighted to offer: ● Health Benefits: Comprehensive, multi-carrier program for medical, dental and vision benefits ● Retirement Benefits: 401(k) with match and an Employee Share Purchase Plan ● Wellbeing: Wellness platform with incentives, Headspace app subscription, Employee Assistance and Time-off Programs ● Short-and-Long Term Disability, Life and Accidental Death Insurance, Critical Illness, and Hospital Indemnity ● Family Benefits, including bonding and family care leaves, adoption and surrogacy benefits ● Health Savings, Health Care, Dependent Care and Commuter Spending Accounts ● In addition to annual Paid Time Off, we offer up to two days of paid leave each to participate in Employee Resource Groups and to volunteer with your charity of choice We are committed to providing a fair and accessible hiring process. If you have a disability or other need that requires accommodation or adjustment, please let us know by completing our Applicant Request Support Form or please contact 1-855-833-5120. Criminals may pose as recruiters asking for money or personal information. We never request money or banking details from job applicants. Learn more about spotting and avoiding scams here. Please read our Candidate Privacy Policy. USA Job Seekers: We are an equal opportunity employer: qualified applicants are considered for and treated during employment without regard to race, color, creed, religion, sex, national origin, citizenship status, disability status, protected veteran status, age, marital status, sexual orientation, gender identity, genetic information, or any other characteristic protected by law. EEO Know Your Rights.

Posted 6 days ago

Insurance Agent-logo
Insurance Agent
Shelter InsuranceJeffersonville, IN
A company built to serve you. It's your career, Shelter it! We are seeking an exceptional entrepreneur to make a difference in Jeffersonville, IN and become our newest Shelter Insurance Agent. Do you have a desire to meet new people, develop new contacts, and become known in your community? Are you passionate about serving your community? Do you want to grow your sales, business, and networking skills to new heights? Would you like to do what you love and love what you do? Do you have a desire to control your own income? Have you wanted to start you own business but extreme start-up costs stopped you in your tracks? If you answered "yes" to these questions, then you owe it to yourself to learn more about becoming a Shelter Insurance Agent. At Shelter, we do not require a previous background in the insurance industry. While the experience is a plus, it is far from a necessity. Around half of our new Shelter Agents have never worked in insurance; our agents have backgrounds ranging from real estate and retail sales to education and coaching. What is required? A motivated attitude, an entrepreneurial spirit, and skilled capacity for effectively communicating with clients in a sales atmosphere. While some sales experience & a degree with general business courses is helpful, our mix of in-house and virtual new agent training schools, paired with continuing industry education courses, helps you build the foundation necessary to launch your agency. At Shelter we do not require prospective agents to have capital/assets on hand to be considered for an agency. We do not "sell" agencies and Shelter does not "loan" money to agents to begin their business. We provide the opportunity. The only expectations are that you meet sufficient sales requirements and core business proficiencies. If you are no longer a Shelter agent for any reason, your financial responsibilities are limited to any unsatisfied bills owed through your departure. This could include advertising contracts, telephone bills, and utilities. A true business owner's mindset is required to succeed! While developing prospects and selling Shelter products in your agency will be your main focus, you may also have the opportunity to bring on staff to help you perform general administrative duties and improve your sales. If you possess a strong desire to be a business owner, a vigorous passion for helping people, and a desire to work for a company that strives to be a leader in its communities, then take the first steps to explore a partnership with Shelter Insurance Companies. Shelter has one of the top new-agent programs in the entire insurance industry, and if you are committed to hard work, we can help you launch your insurance sales career. Shelter Agents receive a tremendous amount of support as they build their business: Support to Launch Your Career Unlimited New Commissions Lucrative Bonus & Incentive Opportunities Exceptional Contract Benefits Professional Sales Training Subsidies & Office Staff Reimbursement, if applicable Computer & Technology Support Shelter has a purpose driven culture that centers on: Being a Leader in and Giving Back to Our Communities Diversity & Inclusion Financial Strength & Stability Our agents are achieving an unprecedented level of personal growth, career fulfillment and financial success. Take the first step towards operating your own Shelter Insurance Agency today! Applicants must be eligible to work in the United States. No relocation compensation. If interested, please apply by:

Posted 30+ days ago

Kemper Corp. logo
Sales Representative, Life Insurance
Kemper Corp.Wiggins, MS
Apply

Automate your job search with Sonara.

Submit 10x as many applications with less effort than one manual application.1

Reclaim your time by letting our AI handle the grunt work of job searching.

We continuously scan millions of openings to find your top matches.

pay-wall

Job Description

Location(s)

Wiggins, Mississippi

Details

Kemper is one of the nation's leading specialized insurers. Our success is a direct reflection of the talented and diverse people who make a positive difference in the lives of our customers every day. We believe a high-performing culture, valuable opportunities for personal development and professional challenge, and a healthy work-life balance can be highly motivating and productive. Kemper's products and services are making a real difference to our customers, who have unique and evolving needs. By joining our team, you are helping to provide an experience to our stakeholders that delivers on our promises.

Role:  Life Insurance Sales Agent

Employment Type:Full-Time

Work Arrangement: Field Role

Career and Opportunity: Kemper is a diversified insurance holding company. We are firmly committed to servicing the insurance needs of modest-income families. Our strength lies within our dedication to frequent personal visits with our customers in their homes for premium collection and other service needs.

You'll start with a paid license preparation/training period! As an Insurance Sales Agent, you will begin with an already existing book of business and have the exciting opportunity to grow the business through your work and dedication.

Are you passionate about serving the underserved? This career could be for you! Our Agents gain personal satisfaction and prestige in the community by performing meaningful work to help our clients protect the ones they love and the things they own.

With a pay-for-performance compensation model, Agents have a chance to write their own paycheck with increasing income opportunities as skills and knowledge grow. Superior performance is recognized through awards, prizes, and trips.

Benefits:

Kemper offers competitive benefits, including Group Life Insurance, Major Medical & Dental, Short-term & Long-term disability, 401(k) with company match, Paid Vacation, and Employee Stock Purchase Program.


Responsibilities:

Agents are set up for success by being assigned a territory (called an agency) with an established book of in-force business.

Day-to-day activities:

  • Conducting sales presentations, recommending products, closing sales, and using our Customer Care Sales Model

  • Continuously prospecting for sales opportunities

  • Collecting premiums from policyholders, based on a pre-arranged schedule.

  • Responding promptly to policyholder service requests such as beneficiary changes, claims, loans, etc.

  • Appropriately keeping records, accounting for money collected, and processing paperwork.

Our agents are expected to:

  • Increase the agency size.

  • Build strong working relationships with customers.

  • Devote whatever time is necessary to fulfill the responsibilities of the position.

  • Commit to ongoing development of knowledge and skills.

Minimum qualifications:

  • Customer service experience

  • The ability to visit customers and prospects door-to-door.

  • Must be at least 18 years of age.

  • Valid driver's license with 100k/300k auto insurance coverage

  • Dependable vehicle as daily travel is required.

  • Ability to pass a background check, motor vehicle report check, and drug screening

  • Authorized to work in the United States

Preparation:

  • Licensing- We provide assistance and guidance to those who are preparing to sit for licensing exams.

  • Basic Training- New agents complete a basic development program that includes self-study, classroom time, role-play, and extensive fieldwork.

  • On-the-job training allows new agents to earn a paycheck while learning their profession.

Opportunity is knocking. Don't let it pass you by!

Kemper is proud to be an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran, disability status, or any other status protected by the laws or regulations in the locations where we operate. We are committed to supporting diversity and equality across our organization and we work diligently to maintain a workplace free from discrimination.

Kemper does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Kemper and Kemper will not be obligated to pay a placement fee.

Kemper will never request personal information, such as your social security number or banking information, via text or email.  Additionally, Kemper does not use external messaging applications like WireApp or Skype to communicate with candidates.  If you receive such a message, delete it.