Top 27 National General Insurance Interview Questions and Answers Guide

Getting hired at National General Insurance can be a competitive process. This multinational company has been around for 80 years and has a strong reputation for being stable. It is best known for its auto, RV, and home insurance services.

To stand out from other candidates and ace your National General Insurance interview it’s crucial to prepare for the most commonly asked questions. This comprehensive guide shares 27 actual interview questions, best answers and expert tips to help you highlight your skills and insurance industry expertise.

Overview of National General Insurance’s Hiring Process

The typical National General Insurance hiring process involves

• Initial phone or video screening with a recruiter
• 1-2 in-person or video interviews with hiring managers
• Potential online skills/knowledge assessments
• Reference and background checks for final candidates

The process is described as fast-paced yet friendly with an emphasis on cultural fit. Candidates mention professional and personable interviewers aiming to get to know you and your experience.

However, some have reported lack of feedback or communication delays from recruiters. Overall though, most candidates have a smooth, positive interview experience.

27 Common National General Insurance Interview Questions

Here are the National General Insurance interview questions that candidates say they are asked most often:

Insurance Experience and Knowledge

1. Walk me through your experience handling insurance claims. How do you ensure timely resolution and positive customer experiences?

2. Tell me about a time you went above and beyond to resolve a difficult claim situation.

3. What key metrics do you track to monitor claims processing efficiency in your team?

4. Describe a situation where you identified coverage gaps for a client and proposed solutions.

5. What strategies and tools do you use to keep organized when handling multiple claims simultaneously?

Customer Service Skills

1. How have you provided exceptional customer service in past insurance roles?

2. Share an example of when you resolved a dispute between a frustrated policyholder and the insurance provider.

3. Tell me about a time you had to deliver bad news to an anxious customer regarding their claim. How did you handle it?

4. If a customer complains about a claim denial, how would you respond?

5. How do you balance meeting sales targets with providing fully transparent advice to customers?

Communication and Interpersonal Skills

1. Describe your communication style and how you’ve adapted it effectively for different audiences.

2. Tell me about a time you persuaded a reluctant client to purchase additional coverage.

3. Share an example of when you had to collaborate closely with underwriters, claims or other departments to resolve an issue.

4. How would you deal with a colleague who often disagrees with you?

5. What steps would you take if your manager made a decision you disagreed with?

Insurance Product Knowledge

1. Explain the key differences between term life insurance and whole life insurance.

2. What factors determine the premium amount for an auto insurance policy?

3. How does a high deductible health plan differ from a PPO?

4. What types of additional insurance options would you recommend for a client buying their first home?

5. How do you stay current on new insurance regulations, products, and trends?

Problem Solving and Analytical Skills

1. Tell me about a time you had to analyze business systems and workflows to identify inefficiencies in a process. What solutions did you propose?

2. Describe a situation where you detected fraudulent claims activity. What steps did you take?

3. How would you convince a senior executive to invest in new claims management software?

4. Share an example of when you spotted a loophole, error or ambiguity in an insurance policy that needed correction.

5. If we were experiencing a high claims denial rate, what steps would you take to address the issue?

Motivation and Culture Fit

1. Why are you interested in working for National General Insurance?

2. Where do you see yourself five years from now?

Now let’s look at how to best structure your answers using real interview examples and tips:

How to Ace the Top National General Insurance Interview Questions

Q1. Walk me through your experience handling insurance claims. How do you ensure timely resolution and positive customer experiences?

As a claims handler, organization and empathy are key to timely resolution and satisfied clients.

For example, I maintain meticulous records of all interactions and details related to each claim. This helps me track progress and ensure nothing falls through the cracks, despite handling multiple claims simultaneously.

I also make it a priority to communicate proactively with policyholders. Regular status updates and addressing concerns quickly builds trust and rapport. This customer-centric focus, combined with leveraging claims management technology to streamline workflows, has enabled me to resolve claims efficiently while keeping clients happy.

Q2. Tell me about a time you went above and beyond to resolve a difficult claim situation.

In one complex homeowners claim involving disputes over multiple coverage aspects, I took extra steps to ensure a fair resolution for the highly anxious client.

First, I thoroughly researched the policy terms with underwriters to gain clarity on covered damages. I then outlined a detailed explanation for the client and explored alternative solutions to address their concerns.

Recognizing their stress, I fast-tracked processing with the claims team and negotiated extensions for documentation submission. This empathy and proactive problem-solving resulted in a satisfactory settlement that put the customer at ease during a trying time. Their relief and gratitude reaffirmed my commitment to going the extra mile.

Q3. What key metrics do you track to monitor claims processing efficiency in your team?

Key metrics I track for claims processing efficiency include:

• Average turnaround time: From initial filing to settlement. Helps identify bottlenecks.

• Claims closure rates: Weekly/monthly closure targets to monitor productivity.

• Case load per adjuster: Balance workloads evenly.

• Customer satisfaction scores: Insight into quality of service.

• Loss ratios: Accuracy of claim reserves.

• Audit results: Ensures procedural compliance.

I analyze trends in these metrics to pinpoint areas for improvement, recognize high performers, and ensure optimal productivity. This data-driven approach maximizes efficiency.

Q4. Describe a situation where you identified coverage gaps for a client and proposed solutions.

Recently, a client wanted to file a water damage claim after their pipe burst. However, their basic policy didn’t cover internal plumbing issues.

Upon reviewing their coverage details, I determined this to be a significant protection gap. I advised that they consider adding burst pipe coverage and explained how it would protect against such expensive repairs in the future.

The client appreciated me catching this gap proactively. To provide a temporary solution, I researched available financial assistance programs for the repair costs. This showcased my ability to identify risks and provide options to strengthen coverage.

Q5. What strategies and tools do you use to keep organized when handling multiple claims simultaneously?

• Prioritization system: I categorize claims based on urgency, complexity, and deadlines to focus my efforts.

• Task management apps: Tools like Trello help me create organized workflows and track progress.

• Centralized case files: I maintain neat digital case records for quick access and updates.

• Multiple calendar reminders: For key follow-ups, submissions, appointments related to each claim.

• Weekly reviews: I allocate time to review all open cases, adjust priorities if needed.

These strategies enable me to efficiently manage numerous claims while keeping each client updated and satisfied. Organization is truly key for me when juggling a complex caseload.

How to Prepare for Your National General Insurance Interview

Here are some tips to help you have a stellar interview and stand out from the competition:

• Research the company – Review their products, leadership team, culture, mission and values. This shows your interest in National General Insurance specifically.

• Practice answering questions – Use the examples and structures provided in this guide to craft and rehearse your own anecdotes and responses.

• Highlight achievements – Quantify your accomplishments and results. Demonstrate how you drive positive outcomes.

• Ask thoughtful questions about development opportunities, company goals, team dynamics – this conveys your engagement.

• Review current industry topics and trends – This demonstrates your dedication to the insurance sector.

• Prepare examples that highlight skills needed for the role – Customer service, communication, analytics, leadership, problem solving etc.

With thorough preparation using this comprehensive 27 question interview guide, you can emphasize your relevant experience and insurance expertise. This will showcase how you are the ideal cultural and skillset match for National General Insurance.