Counsel, Product
American National Group · Des Moines, IA
Job description(tap to read)
Counsel, Product Des Moines, Iowa, United States At American Equity we offer leading annuity products that help empower our clients to fulfill their needs and wants in retirement. Our success comes from hiring high-energy individuals who embody the beliefs that drive our uniqueculture. We currently fund over half a million retirements nationwide, headquartered in Des Moines, Iowa, for over thirty years with satellite offices in Charlotte, NC and New York, NY. General Purpose of the Job: Counsel is responsible for providing in-house legal advice and guidance, with primary focus on the development and filing of retail and institutional annuity products, annuity product distribution, and annuity operations support. This role serves as a strategic legal advisor in support of the company's product development and distribution initiatives, working under the direction of senior legal leadership. Essential Duties and Responsibilities: Scope of responsibility in each legal discipline may vary. Incumbent will provide legal counsel to assigned business units. Product Development: • Serves as a key legal advisor to product development, actuarial, and compliance teams, including providing legal analysis and risk assessment on product design decisions, filing strategies, and product launch readiness. • Drafts, reviews, and refines annuity product forms and supporting documentation across retail and institutional product lines, including individual and group annuities. • Supports regulatory compliance and product filing activities for SEC-registered and non-registered annuity products under applicable state insurance requirements and, when applicable, federal securities laws requirements, including the Securities Act of 1933, the Investment Company Act of 1940, and related SEC rules and guidance. • Advises on legal and regulatory requirements specific to group annuity contracts, including plan-level documentation, certificate forms, and coordination with ERISA and tax qualification requirements where applicable. • Provides legal support for institutional annuity products, including funding agreements, guaranteed investment contracts, pension risk transfer transactions, and other institutional solutions. • Reviews and negotiates index, data, and trademark licensing agreements and related documentation including coordination with product development, actuarial, compliance, and external index providers. Product Distribution: Drafts, reviews, and negotiates distribution and selling agreements with IMOs, broker-dealers, and other distribution partners. • Provides legal guidance on producer licensing, appointment, compensation arrangements, and ongoing compliance with producer conduct and oversight requirements. • Advises on advertising, marketing materials, and sales illustrations for compliance with state insurance regulations and, where applicable, FINRA rules and SEC requirements. • Monitors and advises on regulatory developments affecting annuity distribution, including state suitability and best interest standards and SEC Regulation Best Interest. Annuity Operations: • Advises annuity operations teams on contract interpretation and administration of annuity transactions, including surrenders, withdrawals, annuitizations, required minimum distributions, and ownership changes. • Reviews estate planning and fiduciary authority documents, including trusts, powers of attorney, wills, guardianship and conservatorship documents, and advises on their impact on annuity contract ownership, beneficiary designations, claims, distributions, and administrative processing. • Supports the handling of claims disputes, including death claims, beneficiary disputes, contestability matters, overpayments, and other collection matters. • Evaluates, advises, and responds to consumer complaints, disputes, and inquiries, as well as subpoenas and information requests from attorneys and regulators. Other: • Ensures prudent management of expenses for assigned matters and projects, including budgeting, forecasting, and outside counsel oversight. • Provides work direction to paralegals as applicable. • Performs other related work as assigned. Supervisory Responsibilities: Direct Reports: None General Description of Indirect Reports (2 and 3-downs): None Education and/or Experience: Juris Doctorate degree from an ABA accredited law school plus a minimum of five years practicing law within the insurance or financial services industry. Experience with annuity product development, regulatory filings, or insurance product distribution strongly preferred. Certificates, Licenses, Professional Designations: Ability to practice law within the U.S. and admitted to the Bar in at least one U.S. state, preferably in the State of Iowa. Knowledge, Skills and Abilities: • Deep familiarity with annuity product development, product distribution, and annuity operations, including state insurance regulatory frameworks and federal securities laws governing registered and non-registered annuity products. • Demonstrated experience drafting and reviewing complex contracts, product forms, and regulatory filings. • Exceptional contract drafting, analytical, and legal writing skills. • Strong risk assessment capabilities with the ability to communicate complex legal concepts clearly to internal stakeholders and frame legal guidance in business-friendly terms. • Experience with regulatory compliance under the Securities Act of 1933 and related SEC regulations preferred. • Ability to deliver and prioritize legal services across multiple business units with a solid understanding of insurance company operations. • Strong organizational and planning skills with the ability to handle pressure and meet deadlines in a fast-paced work environment. • Clear understanding and adherence to ethical principles, company values, code of conduct, and policies. This description covers the major purpose and essential functions of the job. It is not intended to give all details or a step-by-step account of the way each task is to be performed. Employees may receive other job related instructions and be required to perform other job related work requested by their manager. All requirements are subject to possible modification to provide reasonable accommodation to qualified individuals with disabilities.
Through our dedicated associates, Conduent delivers mission-critical services and solutions on behalf of Fortune 100 companies and over 500 governments - creating exceptional outcomes for our clients and the millions of people who count on them. You have an opportunity to personally thrive, make a difference and be part of a culture where individuality is noticed and valued every day. Healthcare Customer Service Representative Location: Remote Pay Rate: $16.00 per hour Employment Type: Full-time Shift Information: 40 hours per week Job Summary: We're hiring a Healthcare Customer Service Representative, where you'll play a key role in delivering exceptional customer service and resolving complex customer inquiries. In this position, you will handle escalated customer issues, provide high-quality service call center environment. Your assistance will make a positive difference in the organization you support. You will be able to provide successful administration and resolve inquiries and deliver positive customer experience while meeting performance goals. Key Responsibilities: • Provides 24/7 phone coverage for our partners and handles inquiries. • Assesses calls to provide service immediately, be transferred, or require follow-up for client resolution. • Identifies customer needs by referring to case notes and examining each as a specific case. • Performs routine call center activities concerning business products and services. • Uses standard scripts and established guidelines and under supervision, to meet SLAs. • Provides customers with information that is specialized and communicated in a warm empathetic manner. • Gathers all necessary information to update the database. • Escalates issues to senior levels, based on complaints or concerns. • Explains company policies to customers. • Expand skills within an analytical or operational process and maintain appropriate license, training, and certifications. • Apply experience and skills to complete assigned work. • Works within established procedures, practices, and with a moderate degree of supervision. • Performs business support or technical work, using data organizing and coordination skills to complete assignments and in some areas, requires vocational training, certifications, licensures, or the equivalent experience. • Provide day-to-day contracted services to external clients and contracted services may include technical or non-technical customer support, transaction processing and sales & marketing services. • Performs other duties as assigned and comply with all policies and standards. Required Qualifications: • Must be 18 years of age or older. • Have a High School Diploma or an equivalent of education required. • Must be able to submit to a pre-employment screening and drug test. • Have legal authorization to work permanently in the United States without requiring a visa transfer or visa sponsorship. • Customer service or call center experience preferred. • Must pass the Call Center – Service Skills Assessment. • Must have Customer Service Experience in a Call Center environment is preferred. • Must have MS Office experience-ability to proficiently use Word and Outlook. • Must have experience working with Medical Insurance, Medicaid or Pharmacy Benefits preferred. • Must be able to work weekends and some holidays (some nights, weekends, holidays as this is a 24/7 operation). Preferred Qualifications: • Strong customer service, communication, and problem-solving skills. • Experience handling escalated customer concerns and complex issues. • Positive and energetic attitude. • Ability to communicate clearly and confidently. • Ability to multi-task and manage time effectively. • Attestation to detail, grammar, and spelling accuracy. • One year of medical insurance or medical office experience, preferred. • Computer system experience with data entry and database documentation knowledge. • Previous call center in a customer service background environment. • Experience handling inbound customer support calls. What We Offer: • Pay Rate is $16.00 per hour (Bi-weekly pay), which may be your state's minimum wage. Please take this into consideration when applying. • Benefits from day one (medical, dental, vision) for eligible roles. • PerkSpot – Employee discount program. • Paid time off and holidays. • Paid training. • Equipment provided. • Career growth and advancement opportunities. • Supportive and inclusive work environment. • Training hours: 9:00 AM – 6:00 PM (PST). • Full-time schedule: 10:00 AM – 7:00 PM (PST) We are currently NOT hiring in the following geographies, including but not limited to: States: AK, CA, HI, MA, IL, MT, NY, & Puerto Rico Metro Areas: MN – Minneapolis, IL – Chicago, NY – New York City, OR – Portland, MD – Montgomery County, WA – Seatle, Washington, DC Apply now and make an impact from day one Pay Transparency: Pay Transparency Laws in some locations require disclosure of compensation and/or benefits-related information. For this position, actual salaries will vary and may be above or below the range based on various factors including but not limited to location, experience, and performance. In addition to base pay, this position, based on business need, may be eligible for a bonus or incentive. In addition, Conduent provides a variety of benefits to employees including health insurance coverage, voluntary dental and vision programs, life and disability insurance, a retirement savings plan, paid holidays, and paid time off (PTO) or vacation and/or sick time. The estimated hourly rate for this role is $16.00 per hour, which may be below your state's minimum wage. Please take this into consideration when applying. #Remote44 Conduent is an Equal Opportunity Employer and considers applicants for all positions without regard to race, color, creed, religion, ancestry, national origin, age, gender identity, gender expression, sex/gender, marital status, sexual orientation, physical or mental disability, medical condition, use of a guide dog or service animal, military/veteran status, citizenship status, basis of genetic information, or any other group protected by law. For US applicants: People with disabilities who need a reasonable accommodation to apply for or compete for employment with Conduent may request such accommodation(s) by submitting their request through this form that must be downloaded: . Complete the form and then email it as an attachment to . You may also .
CDL-A Truck Drivers: GREAT ROUTES AVAILABLE! Top Pay & BenefitsOTR Drivers:Average 2,000+ miles per week. Bonuses may be available. Count on consistent miles and paycheck with flexible home time that works for you.Regional Opportunities:Drive regional and earn strong pay and dependable miles with the confidence of knowing you'll be home every week. Average 1,500 - 2,000+ miles per week. Bonuses may be available.Dedicated Routes:Drive dedicated and enjoy reliable schedules, predictable pay, and consistent routes. Earn up to $70,000 or more annually. Bonuses may be available.Team Drivers:$10,000 Sign-On Bonus/split with an average of 5,000 miles per week!$0.72 -$0.80 CPM split starting payTeams take home an average of $225,000 per year.Don't have a team partner? We will help you find the right partner with our Team Match program. Or make your own team. Now's the time to bring on a family member or friend to be your teammate on the road.Benefits: • Company Drivers: Health, Dental and Vision Insurance with prescription benefits for employees and dependents • 401(k) Match • Basic and Supplemental Life Insurance and Accidental Death and Dismemberment Insurance • Short-Term and Long-Term Disability Insurance • Accident Insurance • Hospital Indemnity, and Critical Illness Coverage • Health Care and Flexible Spending Accounts • Stock Purchase Plan • Employee Assistance Program • 24/7 Driver Support • Tuition Reimbursement • Pet Insurance • Paid Orientation • Home Times vary by location and route with this truck driving job Qualifications: • Must have Class A License (CDL A) and 21 years or older. Must have 3 months of verifiable experience • No more than 1 CMV on-road preventable accident in the last 2 years. No major CMV preventable accidents in the last 5 years. • No more than 2 moving violations in the last 2 years. • No DUI/DWI within the past 5 years, or 10 years if the offense occurred while holding a CDL. • Must be able to pass a DOT physical and drug test. No drug related conviction within the past 5 years, or 10 years if the offense occurred while holding a CDL. No positive/refused tests in the past 10 years with CDL-A/CLP. • SAP drivers are not eligible for hire. Call 956-660-9419 or apply online!
CDL-A Truck Drivers: GREAT ROUTES AVAILABLE! Top Pay & BenefitsOTR Drivers:Average 2,000+ miles per week. Bonuses may be available. Count on consistent miles and paycheck with flexible home time that works for you.Regional Opportunities:Drive regional and earn strong pay and dependable miles with the confidence of knowing you'll be home every week. Average 1,500 - 2,000+ miles per week. Bonuses may be available.Dedicated Routes:Drive dedicated and enjoy reliable schedules, predictable pay, and consistent routes. Earn up to $70,000 or more annually. Bonuses may be available.Team Drivers:$10,000 Sign-On Bonus/split with an average of 5,000 miles per week!$0.72 -$0.80 CPM split starting payTeams take home an average of $225,000 per year.Don't have a team partner? We will help you find the right partner with our Team Match program. Or make your own team. Now's the time to bring on a family member or friend to be your teammate on the road.Benefits: • Company Drivers: Health, Dental and Vision Insurance with prescription benefits for employees and dependents • 401(k) Match • Basic and Supplemental Life Insurance and Accidental Death and Dismemberment Insurance • Short-Term and Long-Term Disability Insurance • Accident Insurance • Hospital Indemnity, and Critical Illness Coverage • Health Care and Flexible Spending Accounts • Stock Purchase Plan • Employee Assistance Program • 24/7 Driver Support • Tuition Reimbursement • Pet Insurance • Paid Orientation • Home Times vary by location and route with this truck driving job Qualifications: • Must have Class A License (CDL A) and 21 years or older. Must have 3 months of verifiable experience • No more than 1 CMV on-road preventable accident in the last 2 years. No major CMV preventable accidents in the last 5 years. • No more than 2 moving violations in the last 2 years. • No DUI/DWI within the past 5 years, or 10 years if the offense occurred while holding a CDL. • Must be able to pass a DOT physical and drug test. No drug related conviction within the past 5 years, or 10 years if the offense occurred while holding a CDL. No positive/refused tests in the past 10 years with CDL-A/CLP. • SAP drivers are not eligible for hire. Call 956-660-9419 or apply online!
CDL-A Team Truck Driver Job (or Solo Willing to Match) - Earn $100,000+ PER DRIVER!
Covenant Transport · Des Moines, IA
CDL Team Driver Jobs (Established or Willing To Match) Dedicated Freight | No-Touch Loads | Consistent MilesWhy CDL Teams Choose Covenant • EARN $100,000+ PER DRIVER • Top Teams Earn $200,000+ • Together $1,768-$2,100 Weekly • $1,500 Weekly Guarantee • 5,200-5,600 weekly team miles For Team Drivers • $8,000 sign on bonus • Paid $1,000 After First Dispatch • Paid $3,000 After 90 Days NEW DRIVER? • Paid Mentorship Available • Earn $0.61-$0.67 CPM Established Team Driver Job Benefits: • Run 5,200-5,600 team miles every week on dedicated freight • 100% Drop & Hook, No-Touch Freight • Get paid while you sleep as your partner keeps the truck moving • Home weekly or every other week (depending on domicile) • No forward-facing cameras • Average tractor age is less than 22 months with clean, safe, and well-maintained trailers • Pets welcome Team Driver Job Requirements: • Have a valid Class A CDL • 3 months experience • Be at least 21 years of age • Must have an established driving partner with at least 90 days of previous team driving experience or willing to match Covenant TransportWe believe trucking is about building partnerships: one driver, one customer, and one load at a time.. We do this by working with Hazmat teams or those looking to team who take pride in what they do. We offer you customers who have consistency in their freight and who require a carrier who's a step above the competition. In return, you'll receive all the tools you need to equip you for success. Why teams? Covenant Transport is a leader in the industry when it comes to teams. If you're ready to step up to Covenant, call us today.Call 855-528-3178 or Apply Online!