The role involves assessing client needs, recommending suitable coverage, explaining policy features, and maintaining long-term client relationships while ensuring compliance with financial regulations and company standards.
Key Responsibilities
* Meet with clients to assess financial protection and life insurance needs
* Recommend appropriate life insurance products and coverage levels
* Explain policy terms, exclusions, premiums, and benefits clearly
* Conduct fact-finding and risk assessments
* Generate new business through referrals, networking, and lead generation
* Maintain and grow an existing client portfolio
* Process applications and support underwriting requirements
* Ensure compliance with FCA and data protection regulations
* Review client policies regularly and recommend updates where appropriate
* Liaise with underwriters, claims teams, and financial advisers
* Maintain accurate client records using CRM systems
* Achieve sales and retention targets
Required Skills & Competencies
Technical Skills
* Strong understanding of life insurance products:
* Term life insurance
* Whole of life insurance
* Critical illness cover
* Income protection
* Mortgage protection
* Will importance/protection
* Knowledge of underwriting processes
* Familiarity with compliance and regulatory standards
* CRM and financial software proficiency
Soft Skills
Excellent communication and interpersonal skills
Consultative sales ability
Strong listening and analytical skills
Negotiation and objection-handling skills
Attention to detail
Time management and organisation
Customer-focused mindset
Salary description
£30000.00 - £35000.00 per year