Life Insurance & LTC Client Consultant (Charlotte, NC (Hybrid) or Remote)

Where you’ll work:

Our flexible, hybrid work model offers the option to work remotely or in the office.

How you’ll contribute:

As a Life Insurance and LTC Client Consultant, you will perform duties related to the new business and underwriting support of applications for individual life insurance policies. Additionally, you will interview and provide technical support to customers during the application process. You will also review, and data collect applications for individual life insurance.

In this role, you’ll get to:

• Handle incoming calls from financial advisors and clients to provide technical support during the Life New Business electronic application process.        
• Manage a pipeline of pending Life New Business applications to ensure there are no process delays or service errors and takes ownership and accountability of any issues until resolution is complete.
• Create and provide basic product illustrations on pending new business applications as needed.
• Build and maintain relationships with internal sales partners, vendors and internal colleagues to support the fulfillment of an efficient customer experience as it relates to the underwriting new or inforce business and responds to complex inquiries as needed. 
• Apply time management skills to prioritize deadlines appropriately.
• Interact daily with customers to gather information, communicate decisions and courses of action.
• Execute sound decision making and judgment by having the confidence to make decisions within their authority, and know when to use their judgment on unique situations and when to escalate the situation to management.
• Mentor Life Insurance and LTC Client Consultant associates that are new to the role, as directed by your leader.
• Conduct personal history interviews and with customers as it relates to the application processes.
• Answer questions to ensure that all supporting forms and underwriting requirements are complete with proper signatures.
• Order and trace missing underwriting requirements including attending physician statements, medical test results, customer reports, etc. 
• Review sales illustrations from sales representatives for completeness and resolve discrepancies.
• Maintain detailed documentation on all cases being underwritten. 
• Update new business and underwriting systems and other databases with underwriting status and requirements. 
• Create amendments, adverse underwriting decision and other letters as needed. 
• Perform other related duties as assigned or required.

We’re looking for people who have:

• An undergraduate degree (preferred)
• 3+ years of relevant business experience in the financial services industry
• A working knowledge of the end-to-end process of life insurance applications and post issue underwriting transactions
• Displayed strong attention to detail and followed business processes correctly, while anticipating and understanding the downstream impact and ensuring high quality the first time/every time.
• Effectively resolved problems, has organizational skills, detail oriented and uses sound business judgement.
• Successfully used excellent written and oral communication skills to communicate clearly and concisely by telephone and email.
• Worked with a sense of urgency, accountability and ownership; results driven
• Adapted to changes in business processes, work priorities and work environment
• Successful candidates must actively participate in their development by taking relevant industry coursework annually with management approval

Research shows some people may not apply for a role if they don’t check all the boxes of a job description. If you don’t check every box listed, that’s okay. We would love to hear from you.

What you’ll receive:

• Compensation – Base salary ranging from $65,000.00 - $75,000.00 plus competitive performance-based incentives determined by company and individual results.
• Flexible Work Environment – Work remotely or in the office to better thrive in all areas of life.
• Paid Time Off – Recharge with a minimum of 20 days of paid time off and 16 paid company holidays per calendar year plus paid volunteer time and paid study time.
• Financial Health – Work toward achieving your financial goals through our 401(k) savings plan with company match (up to 6%) and annual company nondiscretionary contribution (3%), 15% employee stock purchase plan discount, and financial counseling services.
• Health and Wellness – Enjoy competitive medical, vision, and dental plans plus tax-free health savings accounts with potential company contributions up to $1,000 per family.
• Family Support – Care for loved ones with up to 16 weeks of paid leave for new parents, back-up dependent care, dependent care flexible spending account, and up to a $25,000 lifetime maximum during your adoption, infertility, or surrogacy journey.
• Life and Disability Support – Gain access to company-paid basic life insurance and short-term disability insurance.

Travel:

Less than 5%

The company and your department may occasionally gather in person throughout the year to foster a culture of belonging and promote team building. We’d love for you to join us during those company-wide and department-wide events to help you strengthen connections across the company.

Why join us?

Brighthouse Financial is on a mission to help people achieve financial security. Our company is one of the largest providers of annuities and life insurance in the U.S.,* and we specialize in products designed to help people protect what they’ve earned and ensure it lasts.

We empower employees to collaborate, bring their passion to work, and make an impact. Our inclusive work environment fosters a culture that celebrates diverse backgrounds and experiences. You can find out more about our company culture by visiting brighthousefinancial.com/about-us/careers/.

We’re one of the largest providers of annuities and life insurance in the U.S.,* and our commitment to being a great place to work has earned us recognition from Forbes as one of America’s Best Midsize Employers, from Newsweek as one of the Most Trustworthy Companies in America, and as one of the Healthiest Employers of Greater Charlotte.

* Ranked by 2023 admitted assets. Best’s Review®: Top 200 U.S. Life/Health Insurers. AM Best, 2024.