Christa Khilling
Fort Smith
Summary
Detail-oriented Personal Lines Underwriter skilled in risk assessment, policy analysis, and loss history evaluation. Committed to delivering effective coverage recommendations and exceptional customer service.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Personal Lines Underwriter
The Hartford
Hartford
2026.02 - Current
- Evaluated personal insurance applications for risk factors and coverage needs.
- Collaborated with agents to clarify policy details and underwriting requirements.
- Analyzed loss history to determine policy eligibility and optimal terms.
- Utilized underwriting software to assess applications and manage workflows efficiently.
- Communicated with clients to gather additional information and resolve discrepancies.
- Maintained accurate documentation of underwriting decisions and policy changes.
- Advised agents on risk assessments and underwriting policies to enhance decision-making.
- Identified potential risks and recommended effective resolutions to mitigate underwriting challenges.
Personal Lines Insurance Sales Agent
The Hartford
Hartford
2022.08 - 2026.02
- Conducted client consultations to identify personal insurance needs and preferences.
- Recommended tailored insurance products to optimize coverage for clients.
- Informed clients about policy terms, coverage options, and claims procedures to enhance understanding.
- Collaborated with underwriters to ensure accurate risk assessments and pricing.
- Analyzed customer needs and recommended appropriate personal lines insurance policies.
- Assisted customers in completing applications for personal lines insurance policies.
- Participated in team meetings with colleagues from different departments to discuss strategies for increasing sales.
- Guided customers in selecting optimal coverage options aligned with individual needs and budget.
Personal Lines Insurance Agent
Sykes/LIberty Mutual
Fort Smith
2019.07 - 2022.04
- Guided clients in selecting optimal personal insurance coverage options to meet their specific needs.
- Assessed customer needs to deliver customized insurance solutions that enhance coverage satisfaction.
- Resolved client complaints in a timely manner.
- Explained policy terms and conditions to clients, improving their understanding and confidence in their coverage.
- Resolved client inquiries and complaints professionally and promptly.
- Maintained up-to-date knowledge of changes in laws governing the industry and regulations affecting personal lines insurance products.
Education
High School Diploma -
Hackett High School
Hackett, AR1992-05
Skills
- Risk assessment
- Claims analysis
- Coverage recommendations
- Policy analysis
- Risk modeling tools
- Customer relationship management
Accomplishments
- Summit Club recipient 2023
- Excellency in Underwriting 2025
Certification
- Personal Insurance license active in 47 states
Timeline
Personal Lines Underwriter
The Hartford
2026.02 - Current
Personal Lines Insurance Sales Agent
The Hartford
2022.08 - 2026.02
Personal Lines Insurance Agent
Sykes/LIberty Mutual
2019.07 - 2022.04
High School Diploma -
Hackett High School