Living Benefit Review, LLC

Long Term Care - Life Insurance comparisons.  
Impartial, Independent, Competitive Intelligence Services for Long Term Care Life Insurance.

Provide consultation services for Life Insurance LTC solutions.  Specifically:  Linked Benefit products, LTC Riders, and also both Chronic Illness and Critical Illness Riders.

President

Nationwide Financial

Life Insurance Competitive Intelligence Product Director:  I provided insights and analysis for the strategic direction and delivery of competitive life and LTC insurance products to meet growth and profitability objectives.  I also delivered daily point of sale consultation to wholesalers and have conducted 190 field speaking engagements to promote the sale of:  IUL, GUL, VUL and Linked Benefit - LTC products.  I participate in competitor conferences and have a strong network of industry contacts. (2005 to Dec 2019)

Advanced Sales Consultant:  I provided consultation to advisors on financial planning concepts with an emphasis in Executive Benefits, Estate Planning and IRA Distribution planning strategies.  I also led a team to improve service & leverage technology. (2002-2005). 

Property Casualty, Sales Training:  Instructor for all new-hire Nationwide agents.  I was recognized with Operational Excellence Award, for a “Perfect 6 Score” from students (1999-2001).

Urban Sales Representative:  Due to the consent decree, I served as a P/C agent to help drive sales.  I was responsible for community education and outreach along with point-of-sale underwriting.  Met all of my P/C sales objectives and qualified for Ohio Life Anniversary Conference (1998-1999). 

Life Internal Wholesaler:  I was the east coast Team Leader, and the top producing Internal Wholesaler for “The Best of America” life series.  Almost half of all the life production in the U.S. was generated out of my territory (1996-1998). 

CSR – Retirement Plans:   Recognized for building good will and obtaining highest number of SOAR awards due to my commitment as an advocate for our customers (1991-1995).

Product Director

Ohio National Guard

Information Manager, The Ohio Air National Guard:  Managed Airmen in 121st Tactical Fighter Wing. I was awarded “Airman of the Year” and became one of two women at Rickenbacker to be honored with the Air Force Achievement Medal one year for “Outstanding Performance” (1985-1991).

Information Manager

Franklin County Children Services

Child Welfare Investigator, Franklin County Children Services:  I was an advocate for the children in central Ohio and represented them on behalf of the county in Juvenile Court.  I was entrusted to investigate the most complex Level 3 cases of abuse and neglect (1990-1991).

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Ramona Neal, CLU, ChFC, CLTC, REBC's Linkedin Analytics

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Ramona Neal, CLU, ChFC, CLTC, REBC

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Ramona Neal, CLU, ChFC, CLTC, REBC's Linkedin Analytics