1. GAIL C. HARDMAN
CLU, CHFC, CAP, CASL, CRPS, FLMI, AIRC
621 SW Treasure Cove
Port St Lucie, FL 34986
Cell: 206.661.4656
GaHardman@aol.com
SUMMARY
Intelligent,credible,influentialfinancial servicesprofessional withsuperiorethicsandknowledge of the
industry. Analytical,flexible,andcommittedtoprovide addedvaluetomyteam. Outstandingpublic
speakerandteacher.
SKILLS
Administrator
• Createdandmanagedoperational structure foranewlyformedstockinsurance company.
Companygrewto 25 employeeswithin5years.
Manager
• Motivated,directed,andtrainedNew Businessdepartmentof 25 employees,increasing
productionvolume,whilemaintainingstaffingratio.
• TranslatedandimplementedCompliance andtax reportingrequirementsintothe company’s
policiesandproceduresforNewBusinessandPolicyholderService.
Wholesaler
• Developedrelationshipswithadvisorswithinanew territorycreatingthe topproducingterritory
withinayear.
• Coachedadvisorstoutilize insurance productsintheirbusiness.
PublicSpeaker
• Educated,motivatedandtrainedadvisorstocrosssell insurance productswithintheircurrent
clientbase.
• Taught continuingeducationonestate andbusinessplanning,charitableremaindertrustsand
financial products.
Consultant
• Createdanddevelopedalife insurance consultingbusinesstohelpandtrainbrokerdealersto
increase theirrepresentative’sinsurance production.
BusinessOwner
• Developedandservicedapersonal clientbase insecuritiesandinsurance

2. PROFESSIONAL EXPERIENCE
Time Financial – Regional SalesAssociate
IndependentWholesaler- Self-employedthroughAptusMarketing
Wholesale productsforlife,annuities,longtermcare,disabilityincome and401k plans.
UNIFICompanies– RetirementPlans Consultant
DevelopednewPacificNWterritoryfor401k, 457 and Cash Balance Market.
Hartford Life Insurance and Nationwide Insurance - Wholesaler
WorkedinIBD and bank channelstodeveloprelationshipsleadingtopointof sale withhighnetworth
clients.Marketsinclude wealthtransfer,estate planning,412i,419e and retirementplanning.
American Skandia -Regional Life Consultant
Managed nine-stateregion inIBDchannel,wirehousesandbanks. PublicspeakingandCEseminarsfor
multiple programsandtopics.Developed new territoryincreasingpremiumsfrom$0to over$3 million.
Ameritas Variable Life, - Life and AnnuityWholesaler
Managed a five-stateregionforVariable AnnuityandLife inthe IBDchannel. Increasedproduction
400%. Movedfrom lowestproducingterritoryduringfirstyeartotopthree of 14 by secondyear.
Gail Hardman Consulting- Consultingand Financial PlanningPractice
Consultedwith regional brokerdealersdevelopinginsurance productionandmanagingtheirinsurance
business. Publicandradiospeakereducatingpublicandproducersaboutinsurance products.
DevelopedandtaughtInsurance continuingeducation.Managedownplanningpractice andsoldall
securitiesandinsurance products.
Financial Network InvestmentCorporation - Insurance Manager
Developedaninsurance brokerage operationinregional firm, increasingsales25% peryear.
Trainedas Renaissance AdvisorandtaughtCRT techniquestofinancialplanners.
UnitedPacificLife - Manager, NewBusinessand Compliance Administration
Managed the processingof all newapplicationswithastaff of 25.
DevelopedtrainingprogramforemployeesandinstructedLOMA classes.
Purple Cross Insurance Company– Vice PresidentAdministration
Managed all departmentsof anewinsurance companyhome office.
EDUCATION
BS, Business,Universityof the State of New York
Life Office ManagementAssociation(LOMA) –FLMI, SpecialtiesinClaimsandRiskSelection
Enrolledinthe Master’sprogram,The AmericanCollege –CLU, ChFC,CASL,CAPDesignations
CRPSCollege forFinancial Planning
Series7 and63, Life insurance inWashingtonandOregon, PreparedforSeries24exam
TrainedRenaissance Advisor,Trained inFusionspeakingtechniques