Life Insurance Sales

Denise M. Beauregard

***** ********/******* ******** *****/C: 313-418-

****/**********.******@*****.***

Results oriented energetic hands on client service and marketing

professional with a successful history of directing client service

campaigns and completing client service projects on deadline and within

budget, conserving client accounts, and developing new clients for numerous

firms. Developed year round client service schedules for individual and

corporate clients that provided generous access to support staff which

enhanced business relationships between clients and sales representatives.

Implemented procedures that created effective client care management by

solving problems and identifying solutions to obstacles that slow or

jeopardize finalizing sales or the long term client-business relationships.

Major strengths include the ability to effectively deal with people and

resolve problems quickly and effectively in order to manage the business-

client relationship successfully. Very attentive to detail and results

oriented with strong leadership and management abilities complimenting

strong research and organizational skills. Well versed in HIPPA, COBRA,

ERISA, FMLA and tax qualified voluntary Retirement Savings Plans and Life

Insurance.

Professional Experience & Accomplishments

Woodward Benefits, Sterling Heights MI 2005-2010

Client Service Director

. Implemented a system for all employee group accounts that enabled

staff to quickly resolve the problems of enrolled employees for access

to service, claims and billing payment problems within three days of

the complaint being received.

. Worked successfully to obtain better pricing on all lines of insurance

coverage for both group and individual clients for business clients in

addition to the group life, health, and disability lines placed.

Negotiated exclusive referral arrangements for clients needing Trust

documents and other testamentary documentation and service.

. Identified better retirement saving vehicles for small and moderate

group clients which cut plan costs by a minimum of 50% and minimized

the amount of time needed for compliance with federal regulations as

required by the IRS and Department of Labor.

. Reduced the time for underwriting of all cases to less than thirty

days after submission of cases to carriers.

Intimate lan Gift & Accessories, Detroit MI 2003-

2005

Marketing Manager

. Developed marketing strategies targeting repeat mail order customers

for catalog mailings and special purchase offerings that generated

multiple sales from the existing customer base accounting for 47% of

the gross sales revenues.

. Developed purchasing relationships with intimate apparel manufacturers

and negotiated discounts for wholesale purchases which resulted in

additional discounts as the firm met pre-determined breakpoints in its

wholesale purchasing.

. Created revenue streams by recycling packaging, paper refuse, and

glass packaging for the firm. Developed special product marketing

campaigns and promotions as vehicles to introduce new product

designers and to enter to product markets.

. Developed affiliate marketing relationships with vendors selling

product that complimented company's product lines generating 22% of

gross revenues.

Benefits Plan Administrator

. Developed two tier retirement savings plan that reduced overall

expense related to the annual recordkeeping expenses by 38%.

. Implemented more appropriate retirement savings plan for the hourly

work force that was less expensive to the company, more attractive to

employees, totally compliant with all federal requirements, and

produced better investment returns for all participating employees.

. Reduced the amount of time needed to address issues related to

employee health care coverage, claims processing, and reporting

requirements allowing all managers to concentrate more time on the

core business

Detroit Financial Benefits, Farmington Hills, MI 2002-

2003

Client Service Coordinator

. Resolved all client service issues for group employers and their

employees for all lines of coverage including life, health,

disability, and retirement saving programs.

Created all collaterals for employee enrollment campaigns and

enrollment meetings

for all group employer clients.

. Supervised all claims processes for the submission of disability and

life insurance claims for all group employer clients following the

process to the completing thus ensuring families received all benefits

for which they were eligible and entitled.

ParExel, Chelmsford MA 1999-2001

Clinical Field Research Coordinator

. Recruited and coordinated the participation of Mid-Michigan physicians

for Phase four of the National Osteoporosis Research Assessment (NORA)

funded by Merck to identify nationally the true incidence of

osteoporosis in peri-menopausal women in the United States.

. Coordinated and completed the distribution of NORA research test

results for participating physician groups and their patients taking

part in the Osteoporosis assessment project throughout mid-Michigan.

Ruby's Kitchen Detroit MI 1991-1997

Human Resources

. Recruited all staff for a Detroit based catering company specializing

in large corporate events. Administrated the Human Resources

department including negotiating for group benefits, disciplinary

matters, insuring compliance with both state and federal employment

rules.

. Reduced expenses related to employee benefits programs 35% while

improving the plan benefits and claims processing and payments.

. Implemented new recordkeeping procedures throughout the company that

resulted in better tracking of expenses and revenues and eliminated

duplicate payments problems to suppliers.

American Express Financial Services Farmington Hills MI 1987-

1989

Account Executive

. Marketed financial planning services and insurance products to self-

employed professionals working loco tenum in the medical profession.

. Developed a marketing strategy aimed at professional trade and

business associations and their members working as consultants or

third party payees, thus self employed, needing to arrange their

medial and retirement benefits individually.

Prudential, Troy MI 1985-1987

Marketing Representative

. Developed a market amongst third party loco tenum medical

practitioners for replacement of benefits including disability, life,

and individual health coverage

Created marketing relationships with professional trade organizations

offering their

members access to coverage via franchise group arrangements and

recruited dental

providers into the Prudential DMO plan.

. Developed a market for additional life insurance products utilizing

the Charitable Gift of Life Insurance product to non-profits to obtain

new clients seeking to endow charities and non-profit organization as

part of their estate planning.

Rockefellow Homes Inc., Detroit MI 1979-

1984

Business Manager

. Negotiated all purchasing contracts for food, and medical supplies.

Negotiated employee healthcare plan and group life insurance products.

. Supervised and prepared all billing statements to the State of

Michigan for reimbursement of patient care.

. Coordinated weekly on site patient visits in-house with psychiatrist,

social workers, and psychiatric nursing staff responsible for

monitoring patients under care.

Education

Bachelor of Science Economics

Wayne State University Fall 2011

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