Life Insurance Advisor
Updated: August 2026
Department: Life & Health
Reports To: Life Insurance Small Team Leader
Position Mission Statement
The Life Insurance Advisor’s mission is to educate clients on life, disability, and long term care insurance coverage options and present a value-based recommendation for coverage. The Insurance Advisor – emphasis on Non P&C will achieve this by breaking down coverage into easy-to-understand language, thereby simplifying the process for the client.
Responsibilities and Tasks
- Educate clients on life, disability, and long term care coverage options
- Uncover trust expansion opportunities
- Answer complex client coverage questions as requested by the Life & Health Dept CSC
- Administrative, Licensing & Contracting
- Prospecting with clientele
- Quote and sell non P&C business to achieve weekly/monthly goals
- Adhere to company compliance and underwriting guidelines
- Maintain a comprehensive knowledge of health product changes
- Complete AHIP, FFM and product specific training deadlines
- Compile client data to assess carrier options to make recommendations
- Works with Financial Advisors and Tax preparer to ensure the advice given is within the context of a client’s overall financial picture
- Thoroughly communicates out of pocket client expenses to set accurate product expectations
- Adheres to a compliant sales process by obtaining necessary SOA’s, using a compliant marketing and sales process
- Engages client in the presentation to ensure they understand the material presented. Elicit a response from client whether they have concerns about proceeding with coverage.
- Document all client meeting notes within one business day of meeting held
- Obtains completed health applications and signatures for carrier compliance
- Review coverage options with clients
- Simplify complex coverage concepts thereby equipping clients to make informed life, disability, and long term care coverage decisions
- Review coverage and cost analysis information when multiple options are available.
- Perform other duties as required.
Required Skills and Abilities
- Excellent organizational skills and attention to detail.
- Must be well organized with time, resources, physical office space, and client documents/information, detail oriented, and be able to manage a large workload
- Strong analytical and problem-solving skills.
- Ability to adapt to the needs of the organization and clients.
- Ability to prioritize tasks and to delegate them when appropriate.
- Thorough knowledge of carrier, underwriting and binding requirements.
- Proficient with Microsoft Office Suite or related software.
- Must be intrinsically motivated and able to work individually with little direction.
- Must be a team player and able to collaborate with other Insurance team members and cross-functional department members.
- Must be coachable, goal oriented, grasp concepts quickly, able to work in a fast-paced environment, embrace change, and have a strong desire to learn and grow in the insurance services industry.
- Must exemplify the firm’s corporate values and represent the company well in the community and in all dealings with vendors, customers, and other affiliates.
Education and Experience
- Bachelor’s degree preferred, or related field preferred; and/or equivalent industry experience r required
- Life & Health license required (or ability to obtain)
- Long Term Care Certification
Physical Requirements
- Prolonged periods of sitting at a desk and working on a computer.
