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.

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