Job Description
Company Description Ability Insurance Company, founded in 1967, is a (re)insurance company specializing in life and annuity products that help individuals and families achieve long-term financial confidence. The organization designs innovative solutions that support retirement readiness, principal protection, and lifelong financial security. Ability works closely with policyholders and advisors to address the evolving needs of today’s retirees and future generations. The company is wholly owned by Mount Logan Capital Inc. (NASDAQ: MLCI), providing a strong, stable platform for growth and collaboration within the financial services sector. Team members join a mission-driven environment focused on responsible innovation and customer-centric service.
Regional Director, Preneed
Role Overview
The Regional Director, Preneed owns Ability Insurance Company's preneed growth in an assigned multi-state region, building the funeral home, funeral director association and preneed agency relationships that bring AIC's preneed products to market.
Key Responsibilities
Regional strategy and growth
- Develop and execute an annual regional business plan with production, recruiting and market-penetration targets.
- Identify and prioritize target markets by state, using preneed regulatory requirements, funeral home density and competitive position.
- Forecast regional production and pipeline and report results to senior leadership monthly.
Channel development
- Build and manage relationships with funeral homes, funeral home groups, state and national funeral director associations, cemetery and cremation providers, and preneed marketing organizations.
- Recruit, appoint and onboard preneed agents and agencies, and support them with training, sales materials and case design guidance.
- Represent AIC at industry conferences, association meetings and trade events.
Product and sales support
- Provide field feedback on product design, pricing competitiveness, commission structures and state-specific filing needs.
- Educate funeral directors and agents on AIC's preneed annuity and life offerings, including trust versus insurance funding options.
- Resolve case, issue and service escalations in partnership with the policy administration team and TPA.
Compliance and risk
- Ensure all producers hold the required insurance and preneed licenses, appointments and training before selling.
- Enforce suitability, advertising, replacement and sales-practice standards across the region.
- Work with Compliance on state preneed filings, market conduct inquiries and producer complaints.
Cross-functional partnership
- Maintain disciplined CRM, activity and production reporting.
Required Qualifications
- 8+ years in preneed, final-expense or annuity distribution, including at least 3 years leading a regional or multi-state sales or agency-development function.
- Established relationships with funeral homes, funeral director associations or preneed agencies in the target region.
- Working knowledge of preneed insurance and annuity products, trust-funded versus insurance-funded preneed, and state preneed licensing and contract rules.
- Active resident life insurance license, or the ability to obtain one (plus non-resident licenses as needed) within 90 days of hire.
- Proven record of recruiting producers and meeting or exceeding production goals.
- Strong presentation, negotiation and relationship-building skills.
- Working knowledge of suitability, advertising and replacement requirements applicable to annuity and life sales.
- Proficiency with CRM and Microsoft Office; comfort with sales analytics.
- Bachelor's degree or equivalent experience.
- Willingness to travel up to 50% and reside within the assigned region.
Preferred Qualifications
- Prior experience at a preneed insurer, funeral-home-affiliated marketing organization or national preneed distributor.
- Active funeral director or preneed sales license in one or more states.
- Experience launching products or entering new states with a carrier that is newly building its distribution.
- Familiarity with IMO, TPA and policy administration platform workflows.
- Industry designations such as LUTCF, ChFC, CLU or FIC.
Working Conditions
- Field-based role with regular travel to funeral homes, association events and the Nebraska home office.
- Employment is contingent on a background check and on obtaining and maintaining required insurance licenses.
