Daniel A. Pautler, CLU, ChFC, RICP
Dumfries
Summary
Expert in comparison of permanent life insurance and annuity products, helping military qualified prospects and referring advisors understand attributes of Navy Mutual products, portfolio risk management, and statistical probability when designing insurance and income protection strategies. Specializing in retirement income planning, approaches to investment diversification, time segmentation based risk allocation, income protection, and tax efficient estate preservation planning. Over the past 16 years at my current employer, individual efforts are attributed to 7,000 policy activations and an average of $2M in direct life insurance premium per year while functioning in life/annuity production and most recently sales management/professional education development roles.
Overview
26
26
years of professional experience
Work History
Retirement & Annuity Specialist
Navy Mutual Aid Association
02.2023 - Current
- Worked with director of actuary to implement modifications to life and annuity product designs
- Developed positioning and use case training materials for sales representatives
- Prospected sales opportunities from existing policy holder database
- Upsold (when suitable) additional premium allocations to fixed annuity products
- Individually produced $73M of new business annuity activation premium over 2022 & 2023
- Developed referrals to life insurance sales team during suitability discovery process
Activation & Professional Education Manager
Navy Mutual Aid Association
08.2019 - 01.2023
- Oversees improvements in life insurance offer policy placement activity for approved other than applied plans, resulting in 40% increase in activation rates of these offers since program inception
- Created activity and efficacy tracking reports in Salesforce.com
- Created offer presentation scripting
- Coached 15 person sales team to improve field underwriting knowledge resulting in 10% improvement in approved as applied and 5% reduction in declined application outcomes
- Administered budget and tracking of sales representative financial services education advancement
Interim Director of Sales
Navy Mutual Aid Association
01.2019 - 08.2019
- Conducted Salesforce.com training to standardize system utilization for improved sales team performance metric reporting
- Coordinated standard operation billing procedures with Policy Holder Services resulting in 30% reduction in post-issue lapse rates
- Negotiated vendor pricing reductions for Sales Team professional education training saving company $10k/year
- Edited all sales/product related copy for updated website
- Designed workflow for updated electronic application system
- Reported Sales Team production metrics to company officers - application, activation, and approval rates
Sales Representative
Navy Mutual Aid Association
10.2007 - 12.2018
- Call center operations
- 40-50 outbound follow up calls each day
- Financial needs analysis
- Extensive underwriting experience
- Whole & Term Life Insurance sales
- Fixed annuity sales
- Developed product recommendations tailored to insureds changing asset and liability mix over time
- Developed standardized policy conservation process for replacement and exchange requests
Insurance Agent
State Farm
03.2007 - 08.2007
- Property & Casualty Insurance license
- Health, Life, & Annuity license
- Cold calling appointed agent's existing client base
- Permanent life insurance comparisons
- Disability insurance sales
- Long Term Care Insurance sales
- Term Life Insurance sales
- Homeowners & Auto Insurance sales
- Banking & Investment product sales
Insurance Agent
Reliaquote
10.2004 - 03.2007
- Completed term life insurance applications for eight large commercial insurers
- Used field underwriting guide to accurately quote and compare carrier pricing
- Promoted to Policy Placement Agent tasked with presentation of underwriter approvals
- Health & Life licensed in over 30 states
Financial Advisor
Amercian Express Financial Advisors (Ameriprise)
03.2004 - 09.2004
- Prospected comprehensive financial planning clients
- Established relationships with local businesses and restaurants for lead development
- Used risk questionnaires & goal based time horizon to design asset allocation recommendations
- Identified gaps within current insurance protection
- Implemented financial plan design through insurance and investment product sales
- Registered Investment Advisor with Series 7, Series 66, & Health & Life licensed
Petroleum Supply Specialist
US Army
09.1997 - 12.1999
- Combat Lifesaver & class valedictorian in Advanced Individual Training
- Logistics supporting mission requirements for 1600 solider battalion - 4th ID 1/12 Mechanized Infantry
- Administrated petroleum resupply to forward combat units
Education
Wealth Management Certified Professional (WMCP) - Asset Allocation & Investment Risk Management
The American College of Financial Services
King Of Prussia, PA12.2025
Retirement Income Certified Professional (RICP) - Financial Planning
The American College of Financial Services
King Of Prussia, PA12.2022
Charterd Financial Consultant (ChFC) - Financial Services & Investments
The American College of Financial Services
King of Prussia, PA07.2016
Chartered Life Underwriter (CLU) - Life Insurance Industry
The American College of Financial Services
King of Prussia, PA08.2012
Bachelor of Science - Business Administration And Management
Radford University
Radford, VA12.2003
Skills
Comprehensive Financial Planning
Consultative Selling
Life Insurance Underwriting
Annuity Product Design/Function
Retirement Income Strategy
Excel Data Analysis
Salesforcecom Reporting & System Admin
Sales Management
Timeline
Retirement & Annuity Specialist
Navy Mutual Aid Association
02.2023 - Current
Activation & Professional Education Manager
Navy Mutual Aid Association
08.2019 - 01.2023
Interim Director of Sales
Navy Mutual Aid Association
01.2019 - 08.2019
Sales Representative
Navy Mutual Aid Association
10.2007 - 12.2018
Insurance Agent
State Farm
03.2007 - 08.2007
Insurance Agent
Reliaquote
10.2004 - 03.2007
Financial Advisor
Amercian Express Financial Advisors (Ameriprise)
03.2004 - 09.2004
Petroleum Supply Specialist
US Army
09.1997 - 12.1999
Wealth Management Certified Professional (WMCP) - Asset Allocation & Investment Risk Management
The American College of Financial Services
Retirement Income Certified Professional (RICP) - Financial Planning
The American College of Financial Services
Charterd Financial Consultant (ChFC) - Financial Services & Investments
The American College of Financial Services
Chartered Life Underwriter (CLU) - Life Insurance Industry
The American College of Financial Services
Bachelor of Science - Business Administration And Management
Radford University
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