Life - Advanced Markets Consultant

Cincinnati Financial

1h•$100,000 - $150,000

About The Position

The Cincinnati Life Insurance Company seeks an Advanced Markets Life Insurance Consultant to serve as a subject matter expert supporting independent agents and distribution partners. The consultant works with producers, brokers, MGAs and financial advisors to deliver complex case design, underwriting strategy and tailored solutions for high-net-worth individuals and business owners. The position offers flexibility, including potential remote work, and requires travel for field engagement, training and client-facing support. The stated annual pay range is $100,000–$150,000, based on education, experience, location, knowledge, skills and abilities. Eligible associates may also receive an annual cash bonus and stock incentives based on company and individual performance. The role provides expertise in advanced-market strategies and designs life insurance and annuity solutions. It includes analyzing financial, legal and tax documents; collaborating with distribution and cross-functional teams; participating in client-facing field meetings; delivering training; maintaining current knowledge of laws, regulations and industry trends; and ensuring compliance with regulatory requirements and internal governance standards. The company describes its culture as service-oriented, ethical, knowledgeable and caring, with a focus on serving independent agents and supporting lifelong learning. It says it provides associates with tools and training and offers a variety of benefits and amenities, without specifying those benefits in the posting.

Requirements

Juris Doctor degree from an ABA-accredited law school.
Minimum 3 years of life insurance experience; 5 years is preferred.
Advanced knowledge of life insurance products, including Term, Whole Life, UL, IUL and VUL, and fixed, indexed and variable annuities.
Strong understanding of estate, tax and business planning strategies.
Ability to interpret complex legal, financial and tax documents.
Expertise in complex case design, underwriting collaboration and financial needs analysis.
Strong presentation, communication and relationship management skills.
Experience working with high-net-worth and business-owner client segments.
Proficiency with CRM systems and illustration and planning tools.

Nice To Haves

Five years of life insurance experience is preferred.
Professional designation such as CLU, ChFC, CFP® or CPA.
Experience supporting insurance distribution, brokerage or advisory channels.
Exposure to actuarial concepts, reinsurance, risk management or digital underwriting platforms.

Responsibilities

Provide expertise on advanced-market strategies, including estate planning, wealth transfer, business succession and executive compensation.
Design and structure complex life insurance and annuity solutions.
Analyze financial, legal and tax documentation to identify risk exposures and planning opportunities.
Partner with distribution teams to support case design, underwriting strategy and client presentations.
Participate in joint field meetings with agents, advisors and clients.
Deliver training through webinars, workshops and seminars to agents and financial professionals.
Stay current on tax law changes, NAIC and state regulations, compliance standards and emerging industry trends.
Collaborate with product development, actuarial, marketing and sales teams.
Use CRM systems and advanced planning tools to support business development and reporting.
Ensure compliance with regulatory requirements and internal governance standards.

Benefits

Eligible associates may receive an annual cash bonus and stock incentives based on company and individual performance.
The company offers a variety of benefits and amenities, but specific benefits are not listed.
The company provides tools and training to support professional development.

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