1. Ellen T. Lavender
704 Barfield Dr. Apt #10
Hastings, MI 49058
(269) 948-1381 Wk, (269) 420-1557 Cell
bc300bowler@yahoo.com
Summary
Highly-motivated personal auto product manager. Currently responsible for the growth,
profitability and retention of a $68,280,888 book of personal auto business.
Accomplishments
Responsible for implementing a new proprietary symbol plan that helped reduce the personal
auto loss ratio by 25 points.
Responsible for adding new product enhancements including a multi protection guard
endorsement and enhanced roadside assistance plan.
Received company customer service award for my willingness to go above and beyond to help
with questions from underwriting management.
Was runner up as a Hastings Highest award winner for implementation of VIN verification
program for personal auto.
Experience
Personal Auto Product Manager Sept 1999 to present
Hastings Mutual Insurance Company - Hastings, Michigan
Review rates annually for competitiveness.
Review coverage forms annually for necessary revisions.
Prepare product proposals for senior staff.
Prepare necessary design packages for Underwriting, Claims, Marketing and IT to facilitate
product changes.
Prepare and file rate, rule or form changes to the state insurance departments.
Communicating with necessary analyst at the state insurance departments to see a filing through
to approval.
Work closely with Marketing, Underwriting, Claims, Actuarial and senior staff in the
implementation of product changes.
Use industry tools such as Perr & Knight, SNL and Quadrant to keep up with competitor
activity.
Currently managing a personal auto book of $68 million within six states containing a policy in
force count of 72,926. Maintaining a 55% loss ratio and a 89% retention ratio.
Fill in for Homeowner product manager as needed to complete rate/rule and coverage form
analysis.
Fill in for Commercial Auto product manager as needed for rate/rule and coverage form analysis.

2. Transamerica/TIG/Nationwide/Allied
Product analyst
Personal lines underwriter
Education
Industry course work:
Associate in Personal Insurance
Associate in Insurance Services
Associate in Customer Service – LOMA Financial Services Education
Personal Lines Coverage Specialist – National Underwriter Company
RbAC – CGI Ratabase Certified Programmer
CPCU – one course completed
CIC – one institute completed
Affiliations
NAMIC
Michigan Association of Insurance Agents
The National Alliance