Thanks for sharing your profile.
Academics: As you know, your overall GPA is quite low. You can address it in an optional statement (it's great that there's an upward trend and dean's list at the end), but it still may be tough to overcome. The GMAT is fine - just at the 700 mark - doesn't really boost your academic profile too much, but helps put you in the running. I'd say you're average/low in this category.
Professional experience: Your work experience is good, though typically insurance underwriting is not the most team-oriented experience. In the early years it's a lot of analysis/individual contributor type work, no? That said, now that you've got P&L responsibility and PM duties, you should have good experience to draw from.
Community: Your community contributions are good. It's clear that you're committed to making a positive impact.
ECs: Alumni activity is good but not necessarily stand out.
I'd say you have a well-balanced profile overall (in that you have something in each category), but that there is nothing in it that is an unfair advantage. I think it's going to boil down to the specifics on your application - the strength of your individual stories, essays, etc. Your GPA makes it a bit of a wildcard application.
That aside, I think the biggest gap in your profile is honestly your career narrative. Do you really need an MBA to become a senior manager in a global insurance carrier? You seem well on your way... You need to make sure that your goals are ambitious enough (given your experience), that they warrant an MBA in the first place. I'd suggest you really hone in on that story and make sure your case is strong.
I think Kellogg's a stretch, as is Tuck (very competitive given small class size). I'd suggest applying to Tuck, but not Kellogg. Duke/Darden/Ross are good targets. UCLA/Cornell are good choices too, but I would say you might want to add one school that is even safer for good measure (UT Austin or USC or something like that, maybe?)
Hope this helps,
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