MERIT SCARFF

**** ***** **** **** ****** Johnston, Iowa, 50131

515-***-**** ad134h@r.postjobfree.com

Award-winning, self-motivated, reliable, Manager and Team Leader with 20 plus years of Annuity, Life, Medicare and Major Medical experience. Team mentor and 18 years of training agents on products, sales and building a business. Customer service expert with proven record of boosting revenue and increasing business efficiency. Known for independently launching a successful business and building profitable client base. Skilled at analyzing data and compiling reports. Excellent written and verbal communication. Multi-tasker and likes to work independently. Familiar with building computer databases and facilitating processes.

Annuity Wholesaler and Training Specialist Relationship Building, Customer Service Sales Goal Orientated Written & Verbal Communication Skills Outgoing, Reliable & Self-Motivated Business Driven Integrity, Honest and Hard Working

PROFESSIONAL EXPERIENCE

EAGLE LIFE INSURANCE COMPANY, West Des Moines, Iowa 6/2022 - 10/2023

Annuity Internal Wholesaler – Working with Broker Dealers and Advisors – Working closely with my External Wholesaler. Scheduling Virtual and Office Meetings on my External’s calendar. Sending Email blast. Outbound and Inbound calls. Recruiting New Advisors and building up my Territory – MN, IA, MO, SD and ND. Servicing Advisors, Contracting, New Business, Product Training and Development. Customer service – running illustrations etc.

BROKERS INTERNATIONAL INC., Urbandale, Iowa 1/2017 – 4/2022

Annuity Internal Wholesaler – Working with Wholesalers and Agents – Servicing Agent, running illustrations, education on product information, building relationships with Agents, Wholesales and Carriers. Outbound and Inbound calls.

BROKERS CLEARING HOUSE, West Des Moines, Iowa 6/2016 – 1/2017

Annuity Internal Wholesaler and New Business Processor – Servicing Agents, running illustrations, product training, building relationships. Processing applications, correspondence and making outbound phone calls.

ATHENE ANNUITY INSURANCE COMPANY/ROBERT HALF, West Des Moines, Iowa 6/2014-1/2016

Annuity Training Specialist – Insurance Operation – Creates, updates, researches and delivers training materials to new hires and existing employees. Building Relationships between departments.

Training Specialist/Insurance Operations

Develops and creates training materials to facilitate to the New Business, Claims, Post Issuing Processing and Customer Service Representatives (CSR’s). Assists in the development of new projects (Product Training and Compliance Training) while working together with other team members. Research and develops comprehensive training materials while facilitating to multiple training classes. Always up-dating all training material.

Training Contact Center, New Business, PIP and Claims/Settlements

Training calendars/schedules/agenda

Writing and Updating Course Curriculum

Advance Annuity Product Training

Training small to large classrooms – also cross training

MERIT BROKERAGE, LLC, Johnston, Iowa 2010-2021

Insurance brokerage firm specializing in Medicare supplements, major medical, life insurance, and annuities.

Independent Sales Agent & Owner

Established company from ground up. Manage all aspects of business operation. Achieve sales goals. Evaluate customer needs and provide excellent service. Make cold calls and prospect. Write and submit Medicare supplement, Medicare Part D, annuity, and life insurance applications. Recruit clients. Analyze sales data. Complete yearly continuing education credits. Make follow-up calls.

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Independently built client base of 250+ customers from across the United States.

Developed efficient sales database ACT Sales Logics.

Formed enduring client relationships by delivering expert customer service.

Referral business and recruiting new clients

GREAT AMERICAN INSURANCE COMPANY, West Des Moines, Iowa 2008-2010

Independent Agent and Manager – Annuities, Life and Medicare

Independent Sales Agent & Office Manager

Managed 10+ field agents. Sold Medicare supplements, life, annuities and long-term care insurance. Trained and mentored new hires. Monitored sales calls, offered feedback. Oversaw all aspects of office. Paid bills, balanced financial documents. Answered phones, organized files. Scrubbed applications and submitted to insurance companies. Ordered supplies. Wrote meeting agendas. Solved customer service and technical issues. Created excel database for pending business.

Increased business efficiency by building database system in ACT and Redtail to organize client information and build reports.

Taught CE classes and trained agents in Annuity, Life Insurance, Medicare supplements, major medical, and regulatory compliance.

Developed database in Sales Force to sell to clients over the phone while maintaining private information and conforming to HIPAA regulations.

AMERICAN REPUBLIC INSURANCE, West Des Moines, Iowa 2004-2008

Vendor of Medicare supplements, life, and short-term disability insurance. 1000+ employees.

Direct Sales Agent

Headed Re/Max Major Medical Department. Sold Medicare supplements, life, and major medical insurance. Called contacts across the United States. Mentored new hires and taught them to open and close sales. Evaluated new hire performance. Won Agent of the Month 3 times.

Company’s #1 major medical sales agent

Awarded Outstanding Achievement Award for highest 2007 sales record.

In 2007, nearly tripled base salary by earning commissions from sales.

Trained top 10 Medicare supplement and major medical sales agents in state regulation compliance.

#2 Medicare supplement agent out of 80+.

PROLIANT INCORPORATED, Ames, Iowa • 2000-2004

Leader in applied protein science. Divisions in health, meat, dairy, and biologicals.

Chemist III in Research and Development QA/QC

Performed protein analyzer (LECO), moisture, ash, solids, gel strength, PH, Radial Immunodiffusion RID plating, color (Hunter), sediment, solubility, mineral test by Atomic Absorption Fe, Na, K, Cl, fat, and amino acid tests (ICP). Logged samples. Analyzed data and complied reports. Maintained organized and safe laboratory. Supervised lab testing & developed SOP’s. Specializing in high QA/QC.

EDUCATION

Bachelor of Science in Biotechnology and Chemistry

Minor in Organic Chemistry and Genetics

University of Nebraska at Omaha, Omaha, Nebraska

COMPUTER SKILLS

Microsoft Outlook, Word, Excel, Power Point

ACT, Redtail, Sales Force, Sales Logics, Agency Bloc

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