Premium Services Representative I

Premium Services Representative I

Build a strong foundation in insurance operations as a Premium Services Representative I, where customer service and teamwork make a meaningful impact. This role is perfect for detail‑oriented professionals looking to grow their skills while supporting members and ensuring payments are handled accurately and efficiently.

Modern Woodmen of America is one of the nation’s largest fraternal benefit societies, with over $18 billion assets. Fraternals are unique membership organizations that pair the “member-owned” characteristic of a mutual insurance company with the “social mission” characteristic of a service organization. They unite individuals with common bonds, provide a variety of life insurance and investment products, and form one of the nation’s most effective volunteer networks.

Responsibilities:

• Perform clerical and analytical duties associated with a minimum of two payment processes.


• Open mail, scan documents, process, and balance premium payments based on procedures.


• Correspond with home office staff, members, field representatives and payors by e-mail, letter, or telephone on a wide variety of billing questions.


• Review, research, correct and record payment discrepancies.


• Analyze insufficient payments, adjust accounting, reconcile reporting, and send notification regarding returned debits and checks.


• Establish loan repayment billing and process loan payments.


• Review and process output and reports for payment processes, mail checks, and letters.


• Establish, adjust, or cancel automatic bank check (ABC) plans as directed by the member or field representatives.


• Analyze and process cancelation requests.


• Review and process a wide variety of daily and monthly audit reports.


• Upload and download payment files to the system and bank.


• Process work items in the Service and Workflow queues accurately and proficiently.


• Gather data from certificate transactions to complete premium history requests.


• Maintain a working knowledge of systems, certificate transactions, Modern Woodmen policies and procedures, state laws, tax laws, and departmental procedures related to Premium Services functions.


• Provide input on department procedures and create and maintain form letters for the department to use in common situations.


• Refer questionable cases to Premium Services Representative II, Analyst or Supervisor.

What we need:

• High School Diploma.


• Strong written and verbal communication skills.


• Exceptional attention to detail to ensure accurate and timely premium processing.


• Commitment to delivering high-quality customer service.


• Ability to identify, analyze, and resolve problems effectively.


• Proficiency in insurance administration systems or the ability to learn new systems quickly.


• Adherence to established policies, procedures, and guidelines.

What we offer:

• Pay: The hourly pay for this position is $19.00. The specific rate will depend on the successful candidate’s qualifications and prior experience.


• Work Arrangements: This is a full-time office focused position: 37.5 hours per week (7.5 hours per day), Monday- Friday, with flexible start time between 7:00AM-9:00AM. Office focused positions work on-site due to the nature of the work and have limited remote days.


• Stability: Modern Woodmen has been Modern Since 1883_SM and exists for our members. We make long-term decisions that provide stability to our employees, financial representatives, and members.


• Respect for Personal Time: We offer vacation, sick leave and 11 paid holidays. We value your time outside of work and offer careers that blend work and life well.


• Professional Growth: Benefit from our commitment to employee development which includes educational offerings to enhance your knowledge of our industry.


• Great Culture: We build strong working relationships across our organization through collaborative work and volunteer opportunities.


• A Beautiful Office: Enjoy a beautiful view! Our home office, located in downtown Rock Island, IL, has a lovely plaza overlooking the Mississippi River.


• On-site café: Our employees can purchase a variety of breakfast, lunch, and beverage options at Café 1883.


• A Thriving Local Community: Not from the Quad Cities and hesitant to consider relocation? Give it some thought. The Quad Cities offers an idyllic Midwestern lifestyle along the mighty Mississippi and consistently ranks at the top of the list for quality of life and cost of living. It’s home to more than our share of artists, festivals, and fun in every season.


• Exceptional Benefits: Our comprehensive benefits package is designed to support your health and financial well-being. Benefits include:

• Company-paid retirement plan


• Matching 401(k) Plan


• Employee Impact Bonus


• Medical, Dental, Prescription drug Insurance. We pay 100% of employee health insurance premiums and 50% of employee dependents’ premiums.


• Group Term Life Insurance


• Long-term and short-term disability.


• Voluntary benefits: Vision, Flexible Savings Accounts, Accident Insurance

Modern Woodmen is an equal opportunity employer. Modern Woodmen is committed to providing a respectful environment where each person’s diverse opinions, attitudes, attributes, and feelings are respected.