Contract Change Specialist

About the Company

Since 1848, National Life Group has aimed to keep our promises, providing families with stability in good times and in bad. Our mission extends beyond insurance and annuities—we strive to make the world a better place through charitable grants, paid volunteer time for employees, environmentally sustainable workplaces, and support for local nonprofits. We foster a collaborative environment with opportunities for growth and encourage associates to live our values: Do good. Be good. Make good.

Please note that we do not offer visa sponsorship for this position.

About the Role

The primary responsibility for this position is to provide quality after-issue servicing of life insurance and annuity products. This role processes policy changes in accordance with contractual provisions, product specifications, company policies, and state regulations while delivering timely and accurate service. The incumbent collaborates with producers, policy owners, field associates, and multiple home office business units to complete after-issue transactions and resolve servicing requests.

The ideal candidate is detail-oriented, organized, customer-focused, and able to manage multiple priorities while maintaining accuracy and confidentiality. This position currently offers an onsite work schedule, with the expectation of being in the office four (4) days per week during core days (Monday, Tuesday, Wednesday, and Thursday). The work schedule type and core days are subject to change with advance notification and manager discretion.

Responsibilities

• Analyze requests from policy owners or field associates by reviewing product specifications, contractual language, rate books, and agent guides.
• Review requests for completeness and communicate missing requirements to agents or policy owners.
• Order underwriting requirements, including medical exams, RX reports, MIB, motor vehicle reports, and other requested evidence.
• Process submitted transactions accurately within established service standards.
• Perform final review of policy changes, calculate premium and commission impacts, and prepare required documentation.
• Update administrative and supporting systems to complete policy changes.
• Perform quality reviews and distribute required forms and documentation.
• Maintain permanent electronic records and complete follow-up activities as appropriate.
• Support SEC, FINRA, state, and transactional audits.
• Determine whether grace period and/or lapse notifications should be sent to policyholders.
• Perform all other duties as assigned.

Requirements

• High School diploma.
• Strong verbal and written communication skills.
• Strong attention to detail and problem-solving skills.
• Ability to maintain confidentiality.
• Proficiency with Microsoft Office Suite (Word, Excel, Outlook).
• Ability to meet deadlines and work independently and collaboratively.
• Ability to work in a fast-paced environment.
• Ability to establish and maintain effective working relationships.
• Ability to pass a background check.
• Completion of LOMA FLMI Level 1 Courses 280 and 290 within the first year of employment.

Preferred Qualifications

• Strong math skills.
• ACA and ALMI LOMA designations.
• Previous insurance or financial services experience.

AI Proficiency Expectations

At National Life Group, we view AI as an enabler of human potential. All applicants are expected to:

• Leverage approved AI tools, where appropriate, to improve efficiency, quality, and impact of work.
• Stay curious and open to new AI-enabled ways of working.
• Exercise sound judgment by reviewing and validating AI-generated content.
• Maintain accountability for accuracy, quality, fairness, and integrity of work products by adhering to National Life's AI guiding principles.
• Use AI responsibly and in accordance with company policies related to confidentiality, data privacy, security, compliance, retention, and intellectual property.

Core Competencies

• Service Focus: Demonstrates a client-centric approach to satisfying external and/or internal customers; establishes and maintains effective relationships.
• Decision Making: Makes sense of complex information, critically evaluates, and creates solutions.
• Results Oriented: Sets performance and personal goals; driven to meet or exceed goals and objectives.
• Plans and Aligns: Plans and prioritizes work to meet commitments aligned with organizational goals; aligns people and skills to tasks and assignments; evaluates results.
• Demonstrates Learning Agility: Enhances skills and knowledge through continuous learning; focuses on personal results by establishing stretch goals; seeks feedback and changes accordingly.
• Establishes Relationships: Builds partnerships to instill trust, collaborate, and meet shared objectives.
• Communicates Effectively: Actively listens, conveys messages to meet different audience needs, and remains open to new ideas and opinions.
• Fosters Diversity: Values diversity and difference in thought, experience, and perspective; promotes an environment that embraces diversity, equity, and inclusion; supports equal and fair treatment for all.

Benefits

Your benefits start on day one and are flexible and customizable to your and your family’s specific needs. Benefits may include:

• Medical, financial, and other benefits (including 401(k) eligibility).
• Paid time off benefits, such as vacation, sick time, and parental leave.
• Eligibility to participate in discretionary annual incentive programs, subject to program rules.

Pay

The hourly pay range for this position is $20 - $30 USD. The base pay range reflects what National Life reasonably expects to pay, taking into account factors such as prior experience, job-related knowledge, education, training, certificates, current business needs, and market factors. The final salary or hourly wage offered may vary based on individual circumstances.

Schedule

This position currently offers an onsite work schedule, with the expectation of being in the office four (4) days per week during core days: Monday, Tuesday, Wednesday, and Thursday. The work schedule type and core days are subject to change with advance notification and manager discretion.