Tim Carter, CEBS

Leading strategic employee benefits solutions with a focus on insurance.

San Diego, California, United States

About

As a seasoned professional with over a decade of experience in employee benefits, I specialize in designing and implementing strategic programs that provide healthcare and financial protection to employers and their employees. At Marsh & McLennan Agency, my focus is on delivering creative benefits solutions that align with organizational budgets and objectives while addressing the unique needs of the workforce. With expertise in strategy, employee benefits, and insurance, I am committed to supporting businesses and individuals in navigating the benefits landscape. Collaborating with diverse teams and stakeholders, I aim to contribute to Marsh & McLennan Agency's continued growth and mission to deliver impactful and sustainable solutions.

Experience

  • Marsh & McLennan Agency - West (13 yrs 4 mos)
    • Principal
      Jan 2021 - Present · 5 yrs 7 mos

    • Director, Alternative Funding Solutions
      Apr 2013 - Present · 13 yrs 4 mos

      I have a deep understanding of the benefits world and providing healthcare and financial protection to employers and the employees that get their benefits through the workplace. My role is to bring creative programs to employers under a financial approach that fits their budget. I am proud to be part of an organization that serves both businesses and individuals with exceptional annual growth record of 18-20% each year since 2000.

  • Principal at Creative Benefits Consulting
    Aug 2010 - Apr 2013 · 2 yrs 9 mos

    Strategic consulting for sales management, compensation programs, pipeline management, strategic linkage between corporate strategy and sales team goals/compensation/measurement. I became an extension of the management team and assisted on specific projects.

  • Chief Sales Officer at NextImage Medical
    Dec 2011 - Jun 2012 · 7 mos

    I served on an interim basis as the Chief Sales Officer to assist the company with sales talent management, restructuring the sales incentive programs, and, served on the executive team to develop and execute on the company strategy. I also worked with the CFO, CEO and Board of Directors to build a sales pipeline reporting tool (CRM) and improve the reliability of the tool. During the time I worked with the company, we expanded our product into the health insurance and direct to consumer markets. During my time, overall sales increased more than doubled and the sales per rep increased 267%.

  • OptumHealth (7 yrs 1 mo)
    • Senior Vice President, Medical Stop Loss Sales and Account Management
      2007 - 2010 · 3 yrs

      •Integrated multiple medical stop loss companies (NBR and Hartford) as key member of management team. Rehabilitated blocks of business and integrated personnel while returning overall business to profitability . •As Head of Sales and Account Management, played key lead role, significantly improving product sales and loss ratios. •Recognized (cross functionally) for relationships with general health care and specialty sales forces, management teams and diverse professionals.

    • Regional Vice President, West Region
      2003 - 2007 · 4 yrs

      •Created and directed Western region with shared national responsibilities for distribution of life, disability, stop loss, worksite, FMLA, dental and vision products, which grew top line revenue significantly. •Established cross selling, pricing, compensation, marketing, training and communication with UnitedHealthcare sales and account management leadership teams throughout country, establishing a common system which had a major impact on sales. •Served as an Executive Sponsor for large, national account clients and prospects strengthening key relationships. •Defined industry and geographical distribution targets which had major impact on business. •Worked closely with finance, underwriting and actuarial pricing products profitably.

  • Senior Vice President, Sales and Product Management, Employee Benefits Division at ING
    May 1996 - 2003 · 6 yrs 9 mos

    •Key member of management team leading critical division to achieve 2002 sales, budget and earnings objectives. (During time of economic uncertainty through expense cuts and ongoing corporate integration.) •Established role of Head of Product Management and Development for ING Employee Benefits Division. Played lead role in final P&L decision for pricing and products. (Pre-tax earnings in excess of $79 million.) •Managed in-force premiums/revenues (approximating $1.2 billion.) •Member of US ING Transformation Team with mission to build unified "one ING" from three former distinct and largely complex organizations (U.S. ING, ReliaStar and Aetna Financial Services). This key team achieved all objectives on integration (cultured processes, policies/base/benefits/retention/etc.)