Proven products, competitive prices and an unlimited market place - these are the ingredients of a successful sales career. And these are exactly what MassMutual offers you. A $200 billion, highly rated insurance and financial management services leader, MassMutual also backs your selling skills with state-of-the-art training and service support, strong national and local advertising programs and lead generation programs, and the freedom to build your own profitable business inside ours.

If you have a college degree or equivalent experience, an existing business network and the ambition to succeed, MassMutual can give you just the edge you seek.

The successful candidate must have a) a strong financial and accounting background, b) excellent alliance-building and communication skills, and c) total fluency in Spanish. Education: BA/BS minimum; Master's degree preferred. Salary: $70K - $100K (depending upon experience and skills) + bonus.

The successful candidate will be a well organized, self motivated individual with annuity experience, computer skills, strong communication skills and a strong sense of the importance of teamwork. Licenses in Series 6/63, Life, Health and Variable Insurance are required.

As a premier provider in the world of financial services, Merrill Lynch offers a competitive salary and excellent career opportunities for the right candidate. If this position sounds like just the opportunity you have been seeking, please contact us promptly.

Empowering people with disabilities. That's The Hartford's philosophy. We're more than just a claim payer. If you share that philosophy, we'd like to talk with you. Hartford Life is looking for people with Disability Claims experience (short term and long term).

At The Hartford's Employee Benefits Division, you will be responsible for:
* the investigation, evaluation, and payment of claims
* use of a variety of cost containment programs to provide the utmost in quality service to our customers
* obtaining medical and financial information (calculating, determining eligibility and dispersing all STD and LTD benefit payments), and providing reserving data.

Qualifications:
* excellent communication, analytical and organizational skills.
* college degree or equivalent work experience preferred
* experience in group disability claims preferred; individual disability or worker's compensation claim experience will also be considered
*working knowledge of medical terminology preferred

Interested in this position? Send us your resume and cover letter, using one of the following methods:
John Silliman-IF
The Hartford
Hartford Plaza
Hartford, CT 06115

Job Responsibilities: Supervise adjudication of LTD and Workers' Compensation Claims for the Employee Benefits Disability Claim Team. Provide efficient technical and systems support for staff. Effectively manage the processing of LTD and/or Workers' Compensation claims, and ensure that all processing meets or exceeds guidelines and regulations. Handle referrals of complex or over-authority claims in compliance with established guidelines, including turn-around time standards. Ensure that new processing procedures, system enhancements or new systems are incorporated without interruption to service. Will provide training on new or revised procedures, policyholders specific issues, federal and state regulations, or at home office direction as necessary. Perform human resource management activities consistent with corporate personnel policies including performance appraisals, salary administration, career development, and productivity measurement including standards of performance and methods of monitoring and reporting.

Qualifications: Ability to manage complex information and communication on a highly visible, national account. Ability to communicate complex information in a mentoring/training situation. Ability to recognize trends, analyze reasons for the trend, recommends solutions or ways to take advantage of opportunity. Ability to organize work and manage multiple or multi-faceted projects. College degreed preferred. Two to four years in supervisory position in processing or administrative function in senior level exempt position of claim unit. Thorough knowledge of disability claims procedures is required as well as exposure to Workers' Compensation Medical Only and Loss-Time Claims.

Hanover Insurance, a member of the Allmerica Financial group of companies, based in Worcester, Mass. is seeking a Training Professional. The selected candidate will identify, develop and support training needs for the Commercial Lines processing environment. The professional we seek will possess 3-5 years' experience in training or teaching techniques and delivery methods. This person must possess ability to assess needs of department and then develop training and teaching plan to address needs. Excellent communication and presentation skills are required, including ability to communicate with all levels of personnel and management. Insurance background is a plus. A Bachelor's degree is preferred.

Please forward your resume (including Position Number 99N206258), by mail, fax, or E-mail (E-mailed resumes should be sent as a Word attachment).
Human Resource Dept.-IF
Hanover Insurance
100 Century Drive
Worcester, MA 01605

Looking for an opportunity to put your abilities into action? Empowering people with disabilities. That's The Hartford's philosophy. We're more than just a claim payer. If you share that philosophy, we'd like to talk with you. Hartford Life is looking for people with Disability Claims experience (short term and long term). At The Hartford's Employee Benefits Division, you will be responsible for:
- the investigation, evaluation, and payment of claims
- use of a variety of cost containment programs to provide the utmost in quality service to our customers
- obtaining medical and financial information (calculating, determining eligibility and dispersing all STD and LTD benefit payments), and providing reserving data.

QUALIFICATIONS:
- excellent communication, analytical and organizational skills.
- college degree or equivalent work experience preferred
- experience in group disability claims preferred; individual disability or worker's compensation claim experience will also be considered
- working knowledge of medical terminology preferred

As an Associate with Starr Financial Group/Mass Mutual we offer:
* the ability to be self-employed but supported by a $102 billion Triple A company
* Opportunity to be your own boss with no investment or inventory problems
* Opportunity to develop your own clientele that meets your expectation and desires for whom you wish to work
* An unlimited supply of product not affected by strikes, material shortages or technological changes
* A substantial Bonus Program
* A supportive staff of Managers, Attorneys, CPA's Equity Specialists and Actuaries
* Freedom to schedule vacations and time off whenever you choose
* No territory or client restrictions
* A substantial benefit package that includes Health, Life Dental, Disability and Pension
* The ability to develop into a career in management.

Hanover Insurance, a member of the Allmerica Financial group of companies, based in Worcester, Mass. is seeking a Nurse Case Manager-Workers' Comp/Personal Injury.
Responsibilities - Collaborate with claims professionals to facilitate quality, cost effective care for injured/ill claimants through early assessment, intervention and evaluation of claimants medical status and healthcare requirements in order to effect maximum medical improvement and/or expectations returning to work.
Other Requirements - Licensed RN, case management experience and knowledge of regional worker's comp statutes. Time management and organizational skills. Software: CSS, Netscape, MS Office, Groupwise and Internet. Bachelor's Degree or equivalent. 3-5 years experience.

Please forward your resume (including Position Number 99N206675) by mail, fax, or E-mail (E-mailed resumes should be sent as a Word attachment).
Human Resource Dept.-IF
Hanover Insurance
100 Century Drive
Worcester, MA 01605

The Individual Health Valuation Actuary reports to the head of the Individual Health Division and is responsible for establishing both active life and claim reserves that include statutory reserves, GAAP reserves and tax reserves. The primary product lines being reinsured are long term care, Medicare supplement and disability income. At least 7 years experience with reserving techniques required. FSA required.

Please submit qualifications to:
Mr. John Menzie-IF
Asst. VP - HR
General & Cologne Life Re
695 E. Main St.
Stamford, Ct 06904

The Pricing Actuary, LTC & Disability Income is responsible for structuring LTC & DI reinsurance arrangements that meet corporate profitabiity guidelines. Responsible for profitability and pricing of potential and existing LTC & DI insurance products written by the company; its subsidiaries or clients, mainly in Medicare Supplement product line. At least 5 years actuarial experience with expert grasp of the technical aspects of actuarial theory. ASA required, FSA preferred. Experience in LTC & DI insurance pricing and profit management required.

Please submit qualifications to:
Mr. John Menzie-IF
Asst. VP - HR
General & Cologne Life Re
695 E. Main St.
Stamford, Ct 06904

The Pricing Actuary, Medicare Supplement is responsible for structuring health reinsurance arrangements that meet corporate profitabiity guidelines. Responsible for profitability and pricing of potential and existing health insurance products written by the company; its subsidiaries or clients, mainly in Medicare Supplement product line. At least 5 years actuarial experience with expert grasp of the technical aspects of actuarial theory. ASA required. Experience in individual health insurance pricing and profit management. Expert knowledge of Medicare Supplement regulatory requirements.

Please submit qualifications to:
Mr. John Menzie-IF
Asst. VP - HR
General & Cologne Life Re
695 E. Main St.
Stamford, Ct 06904

Contact: Karen German
Insurance Holdings of America, Inc.
100 Cummings Center Suite 206C
Beverly, MA 01915

phone (978) 927-8855 ext. 1245
fax (978) 922-7431
[email protected]

Harvard Pilgrim Health Care has several positions open in the Claims Department in Boston and Quincy, Massachusetts. We are looking for candidates with the following qualifications:
* Experience in healthcare Customer Service
* Automated claims processing experience as well as CPT4 HCPCS and ICD9 diagnosis coding
* Working knowledge of medical terminology and typing skills of 35 wpm
* Experience handling the adjudication of Member claims

Please forward resumes to:
Harvard Pilgrim Health Care
Attn: K. Kuta (insfile/clms)
10 Brookline Place West
Brookline, MA 02445

Fax: (617) 730-4692
E-Mail: [email protected]

We have an excellent opportunity for an experienced life insurance professional to join a uniquely successful company that has a 33% MDRT membership rate. We market to our current property & casualty policyholders and others who express interest in talking to us regarding their life insurance needs.

If you have the skills necessary to use a needs selling approach with 25 clients per day and want to be a part of a company that recognizes and rewards performance, you should talk to us. For the right individuals we offer an attractive starting salary, a comprehensive benefit package, and no business expenses.

Sound interesting? Let's talk about the possibilities. Please send a current resume to:

Gary Bilotti, CLU
Sales Manager-IF
Amica Life Insurance Co.
P.O. Box 6008
Providence, RI 02940

Email: [email protected]

Hanover Insurance, a member of the Allmerica Financial group of companies, based in Worcester, Mass. is seeking a Workers' Comp Field Adjuster.
The selected candidate will investigate, evaluate, negotiate and finalize Mass. Worker's Compensation Claims. This individual will have medical and disability management skills, strong customer service commitment and will handle lost time cases of minor to moderate severity and complexity, while working with insureds and team members to develop strategic resolution plans.
Additional requirements: WC claims adjuster skills, Mass law experience, strong communication skills, analytical ability, organizational and customer service skills, self motivation, prioritization, good time management. Multi-jurisdictional knowledge, preferred. Valid MA driver's license, required.
Bachelor's Degree or equivalent. 5-8 years experience.
Professional designations: INS, AIC, CIC, WCLA, a plus.

Please forward your resume (including Position Number 99N207002) by mail, fax, or E-mail (E-mailed resumes should be sent as a Word attachment).
Human Resource Dept.-IF
Hanover Insurance
100 Century Drive
Worcester, MA 01605

Summary of Position:
The Actuarial, Underwriting, Reporting & Analysis (AURA) has openings for Group Underwriters. Job responsibilities include individual risk assessment and pricing of assigned products (e.g. HMO) under assigned funding arrangements offered to employer groups as defined by Harvard Pilgrim Heath Care underwriting guidelines. Underwriters must be able to assess the risk, understand the strategic implication of the competitive marketplace and the product offerings, make sound underwriting assumptions in the rate development process and be able to thoroughly defend the methodology to clients and their consultants during the rate negotiation process.

Minimum Requirements:
* Bachelor's degree in mathematics, accounting, or finance (Master's preferred)
* A minimum of 3 years of health care underwriting experience, preferably in a managed care environment.
* Ability to negotiate rating and financial proposals effectively
* Must have a solid understanding and appreciation of the interrelated processes within a managed care organization, with particular knowledge of information systems/technology, claims processing, network contracting, medical management, member services, quality assurance, marketing and sales is needed in order to successfully conceptualize, formulate and implement the underwriting strategies needed for product and market share growth.
* Proficiency in electronic spreadsheets is required
* Professional certifications such as a Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Registered Health Underwriter (RHU), Registered Employee Benefits Consultant (REBC), Certified Employee Benefits Consultant (CEBS) preferred.

Please forward resumes to:
Kristina Patal (insfile/aura)
Harvard Pilgrim Health Care
1200 Crown Colony Drive
Quincy, MA 02169

Fax: (617) 745-1135
E-Mail: [email protected]

Position Requirements:
* Experienced and knowledgeable in managed care practices, case management and provider networks.
* Experience in reserving of A&H business. Experience/knowledge of medical stop loss, disability, and worker's compensation.
* Knowledge of market resources available for large case management, PPO networks, specialty networks, disease management, and medical review of claims.
* Have relationships with claim professionals in the A&H industry.
* Ability to research and evaluate medical trends.
* Computer literate, organizational skills, excellent oral and written communication skills, willing to travel.
* 10+ years prior primary claims experience or equivalent.

Position Duties:
* Review and evaluate incoming reports.
* Conduct claim review at ceding companies.
* Accurately set reserves for Accident and Health Claims.
* Detect losses at the earliest possible date.
* Control losses and expenses.
* Evaluate claim department procedures of ceding companies.
* Work closely with Marketing, Underwriting and other members of Client Teams.

Please submit qualifications to:
Mr. John Foulds-IF
General Reinsurance
695 E. Main St.
Stamford, Ct 06904

Fax: (203) 328-6071
Email: [email protected]

We are seeking an experienced underwriter to make underwriting, pricing and negotiation recommendations to senior underwriter based on established underwriting guidelines, negotiate directly with brokers, utilize available technological support, cultivate and maintain broker relations, gather analyze and utilize data related to financial conditions, economic and industry trends, coordinate special projects, and attend conferences, trade shows and seminars as required.

The ideal candidates will be able to see the overall picture, handle pressure, enjoy hard work, deal effectively with ambiguity and uncertainty, and think through problems and explore solutions. Must be dependable, confident, have high integrity, energy and enthusiasm, and realistically view situations and problems.

Requirements include 3 years of related healthcare underwriting, and strong negotiation, financial analysis, communication, and organization and planning skills.

Come and see what Chubb Executive Risk can offer! Please apply to:

Coordinator of Recruiting-IF
Chubb Executive Risk
82 Hopmeadow Street
P.O. Box 2002
Simsbury, CT 06070-7683

Phone: 860-408-2468
Fax: 860-408-2002
E-mail: [email protected]

We are seeking a dynamic and enthusiastic individual with a track record of accomplishments who possesses the following attributes:

* Strong professional presence with strong leadership and customer service skills
* Motivated, self-directed individual able to work both independently and in a team environment
* Effective communicator with strong organizational skills
* High energy, drive and goal-oriented
* Willing to accept responsibility
* Capable of thinking "out of the box"
* Strong analytical and problem identification/resolution skills.

The ideal candidate will also possess knowledge and experience in conducting audits, application of generally accepted audit principles and professional audit standards, and the ability to analyze and identify problems. Strong written and oral communication skills is desired. Insurance experience is preferred. The successful candidate will have 3-5 years' audit experience. A degree in accounting is required, and a CIA or CPA is a plus.

Come and see what Executive Risk can offer! Please apply to:

Coordinator of Recruiting
Chubb Executive Risk
82 Hopmeadow Street
P.O. Box 2002
Simsbury, CT 06070-7683

Phone: 860-408-2468
Fax: 860-408-2002
E-mail: [email protected]

Summary of Position:
The Actuarial Analyst is responsible for maintaining the integrity of the department's premium forecast models, automated rating systems and developing rating systems and premium models for the future.
Responsibilities also include making improvements to memoranda and reinsurance rates. In addition, the Actuarial Analyst assists in the development of pricing methodologies, analysis of the Plan's risk pool and identification of trends in HPHC's cost structure.

Qualifications:
Bachelors degree in a quantitatively oriented field such as Business, Mathematics or Finance; 1 to 4 years experience in finance, actuarial or pricing; a solid understanding of underwriting, client reporting and the health care market; excellent math skills; familiarity with financial analysis, statistics and pricing; and excellent interpersonal and communication skills.

Please forward resumes to:
Kristina Patal (insfile/aura)
Harvard Pilgrim Health Care
1200 Crown Colony Drive
Quincy, MA 02169

Fax: (617) 745-1135
E-Mail: [email protected]