Karmin Barfels

Karmin Barfels is a seasoned underwriting professional with extensive experience in the insurance industry. Currently serving as a Senior Underwriter at Delta Dental of Iowa since January 2019, Karmin specializes in evaluating risks for mid to large sized groups and developing sound dental and vision rates and benefit plans, ensuring revenue accountability and profitability. Additionally, in the role of Staff Underwriting Consultant for EMC Insurance Companies since March 2016, Karmin has reformed the underwriting audit process to enhance efficiency and implemented a portfolio management program for personal lines. Prior to these roles, Karmin worked at Nationwide as a Senior Staff Underwriting Specialist and Senior Personal Lines Territory Underwriter, focusing on audit reviews and driving profitable growth through effective portfolio management. Karmin holds a Bachelor of Arts degree in Communications from Northwest Missouri State University.