STEPHEN D. DURHAM

P. O. Box 15224 E-mail: sd4ins@gmail.com Irvine, CA 92623 Cell: 714-767-4835

INSURANCE PROFESSIONAL - Life and Health Insurance

My record stands as a highly professional, licensed Life and Health Insurance Consultant with a strong track record of successfully generating dramatic sales growth over thirty-two (32) years of continuous industry experience. I have established and maintained outstanding client relationships through product education, timely response/follow-through, careful planning, and always doing the right thing for my clients regardless of “what’s in it for me.” My constant mantra: The client is always right and I will always do whatever it takes to exceed their expectations. In addition, I have a proven background of possessing excellent analytical skills which gives me the ability to solve numerous protection issues, providing the right coverage for a given client through the utilization of examining creative solutions. I am a thorough, well-organized planner who demonstrates meticulous attention to detail and effective preparation. I have a dedicated work ethic, working until the job is finished with excellence, and am also an effective communicator in cross-functional environments. I have a valid passport and can travel whenever necessary.

KEY BUSINESS EXPERIENCE

* Business-to-Business Sales * Practice of due diligence * Entrusted with important info * Telephone Sales * Financial Analysis * Handling of client’s money * New Account Sales * Report Presentations * Strategic Planning* Team Player * New Business Development * Face to Face/ Direct Sales * Seminar Sales * Problem Solver * Continuing Education

CAREER HIGHLIGHTS

With Liberty National in FL, as a young agent, I turned a struggling “Debit” agency into a much larger and more profitable agency for the company; Built my own life and health agency, Durham Insurance Services, from ground zero into a thriving enterprise;Successfully became an independent extension of P& C agency Carroll, Marshall, Haines Insurance Services in Winter Haven, FL writing Life/Health and other financial services products, and Increased life insurance sales from $0 to over $440,000 in Annual Premium with 377 policies written (2006 – 2007) for Spectrum Direct in CA. Enrolling telephonically for Univers Workplace Solutions in October/November of 2013, on one case, I wrote 109 policies for more than $90,000 AP.Enrolling onsite for The Farmington Company in October/November of 2015, on two cases, in sixteen (16) workdays, I wrote 131 policies for more than $68,000 AP.

EDUCATION California Insurance License No. 0E43977, Florida Insurance License No. A073989 and numerous other states.Study and efficient utilization of Life, Health (Group & Individual), Disability Income, Annuities, Long-Term Care, Medicare Supplement, and Worksite Insurance products. Continuing Education requirements are met in every qualification period.

EMPLOYMENT/BACKGROUND:

Insurance Agency Owner/Broker DURHAM INSURANCE SERVICES – Winter Haven, FL 1988 – Present An organization involved in the sales of Life (Whole Life, Term Life, Universal Life, Equity-Indexed Universal Life) and Health Insurance (Group & Individual), Disability Income, Annuities, Senior Market (Medicare Supplement, Long-Term Care, Simplified Issue Whole Life Insurance, Final Expense Life) and Worksite (Accident, Cancer, Short & Long-term Disability, Critical Illness, Term Life, Universal Life, etc.), Short-Term Medical, Dental, Vision, Legal Plans, Identity Theft, Pet Insurance, Travel Insurance, Student Insurance, COBRA, IRS Sec. 125 plans, etc.

Responsible for: * Sales and daily account management of clients;* Setting appointments to meet with clients, in my office, at their place of business or home;* Writing and processing applications for insurance; * Contacting underwriters for status reports on the underwriting progress of applications; * Monitoring client’s policies for renewal and annual review, and * Providing excellent client service at all times.

Benefits Counselor/EnrollerTHE FARMINGTON COMPANY - Farmington, CT Open Enrollment Seasons – 2014 & 2015A national enrollment company, enrolling both Core and Voluntary products.

Responsible for:* Going on location to speak to employees of certain national and international firms;* Taking inbound calls to speak to employees of certain national and international firms;* Confirming their personal data;* Walking the employee through the Open Enrollment process (Discussing Core & Voluntary Benefits);* Education - making sure that they understood each benefit they were enrolling in;* Answering any questions they may have; * Helping them see their need to purchase more insurance, and* Enrolling the employees in plans of their choice, in person and over the phone.

Benefits Counselor/EnrollerUNIVERS WORKPLACE SOLUTIONS - Irvine, CA Open Enrollment Seasons - 2012 & 2013A national enrollment company, enrolling both Core and Voluntary products.

Responsible for: * Taking inbound calls to speak to employees of certain national and international firms;* Confirming their personal data;* Walking the employee through the Open Enrollment process (Core & Voluntary Benefits);* Education - making sure that they understood each benefit they were enrolling in;* Answering any questions they may have; * Helping them see their need to purchase more insurance, and* Enrolling the employees in plans of their choice, over the phone.

Account ExecutiveCOMBINED INSURANCE of AMERICA - Santa Ana, CA 2013 A worksite or Voluntary Benefits insurance carrier.

Responsibilities were: * Working with orphan accounts to provide ongoing client service;* Working with orphan accounts to produce new business at Open Enrollment and for New Hires; * Contacting new businesses to set up new accounts;* Contacting brokers to show them how to increase their income stream by partnering with us;

* Maintenance of reports to track leads/sales, and* Speaking at various functions to promote Combined Insurance;* Providing excellent client service at all times, and* Enrolling the employees in plans of their choice, in person (F2F).

Life Insurance Sales Consultant SPECTRUM DIRECT INSURANCE – Mission Viejo, CA 2006 – 2007 Company’s primary focus is in internet marketing of term life insurance.

Responsibilities included:* Completing in and outbound sales calls to prospects that had entered a request for information on one of four company websites; * Maintenance of reports to track leads/sales; * Monitoring client and underwriter involvement/expectations throughout the underwriting process;* Explaining the underwriting decision to the client and overseeing the policy delivery process, and * Providing excellent client service at all times.

Insurance Agency Owner/Broker DURHAM INSURANCE SERVICES – Winter Haven, FL 1988 – Present An organization involved in the sales of Life (Whole Life, Term Life, Universal Life) and Health Insurance (Group & Individual), Disability Income, Annuities, Senior Market (Medicare Supplement, Long-Term Care, Simplified Issue Whole Life Insurance, Final Expense Life) and Worksite (Accident, Cancer, Short & Long-term Disability, Critical Illness, Term Life, Universal Life, etc.), Short-Term Medical, Dental, Vision, Legal Plans, Identity Theft, Pet Insurance, Travel Insurance, Student Insurance, COBRA, IRS Sec. 125 plans, etc.

Responsible for: * Sales and daily account management of clients; * Setting appointments to meet with clients, in my office, at their place of business or home;* Writing and processing applications for insurance; * Contacting underwriters for status reports on the underwriting progress of applications; * Monitoring client’s policies for renewal and annual review, and* Providing excellent client service at all times.

Debit Insurance Agent – This was my introduction to the Life and Health insurance business. LIBERTY NATIONAL LIFE – Lakeland, FL 1984 – 1988 A local agency District Office whose primary business focuses on the sales of Life Insurance, Accident, Cancer, Medicare Supplement and Fire Insurance to “Home Service” clients.

Responsible for: * Collection of premiums;* Setting appointments to meet with clients, in my office, at their place of business or home; * Prospecting and sales of above products to old and new clients; * Processing applications for insurance; * Contacting underwriters for status reports on the underwriting progress of applications; * Policy delivery, and * Providing excellent client service at all times.

Civic Associations: Member of Kiwanis International in Winter Haven, Florida, Member of Winter Haven Chamber of Commerce in Winter Haven, FL and a volunteer for an Orange County, CA political party.

Other Activities: Musician, Writer, Sr. Editor, Proofreader. I have a valid passport and can travel for extended periods of time whenever necessary.