1. 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 utilizat ion 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-

2. 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/Enroller
THE FARMINGTON COMPANY - Farmington, CT Open Enrollment Seasons – 2014 & 2015
A 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/Enroller
UNIVERS WORKPLACE SOLUTIONS - Irvine, CA Open Enrollment Seasons - 2012 & 2013
A 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 Executive
COMBINED 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).

3. 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.