Risk Advisor, Employee Benefits

Smith Brothers Insurance, LLC•Vestal, NY

5d•$50,000 - $200,000

About The Position

The Employee Benefits Risk Advisor develops new business and lasting client relationships in the Employee Benefits marketplace. The role focuses on identifying and cultivating mid-to-large group accounts (100+ lives), providing strategic benefits solutions, and partnering with internal teams to deliver a strong client experience. The advisor drives revenue growth through proactive prospecting, market expertise, and a consultative sales approach for sophisticated employer clients. This is a full-time sales role designed to maximize time in the market building relationships, prospecting, meeting with clients, and developing new business. In-office presence is expected for collaboration, training, team engagement, and internal relationship-building. Offsite client, networking, and prospect meetings may involve travel and evening events as a normal part of the business. The work environment includes frequent in-person, video, email, and phone communication, and extended periods viewing computer monitors. The role is commission-based. A draw may be provided during the initial validation period. Potential total compensation is stated as $50,000 to $200,000+, depending on performance and factors including experience, skills, training, location, certifications, and education. Eligible employees may participate in company benefit programs. Candidates must be authorized to work in the United States full-time without company sponsorship.

Requirements

3–5+ years of Employee Benefits insurance experience in a sales-focused role; experience with an independent agency is preferred.
Active Life, Accident & Health Insurance license in good standing.
High school diploma or equivalent required.
Demonstrated success in prospecting, pipeline development, and closing complex consultative sales.
Experience working with carriers, underwriting, benefits marketing, compliance, and client service teams.
Knowledge of Employee Benefits products, funding arrangements, benefits compliance, market dynamics, and consultative sales processes.
Strong presentation, facilitation, and client education skills, including the ability to explain complex information clearly.
Strong analytical and problem-solving skills, including translating data into recommendations.
Ability to manage multiple priorities in a fast-paced environment.
Collaborative, team-oriented, client-first approach and ability to work independently while contributing to a broader growth strategy.
Proficiency with agency management systems, carrier platforms, MS Office, and technology-enabled tools.
Proficiency with AI tools and AI-assisted workflows, with the ability to learn new technologies and tools.
Commitment to continuous learning and keeping up with industry trends.
Flexibility and willingness to take on additional assigned work and projects.
Self-motivation, strong work ethic, adaptability, and stress tolerance.
Ability to view computer monitors for extended periods.
Authorization to work in the United States full-time without company sponsorship.

Nice To Haves

Bachelor’s degree in business, finance, human resources, risk management, or a related field.
Prior experience prospecting, building a pipeline, and closing new business opportunities.
Prior experience with an independent insurance agency.

Responsibilities

Prospect, qualify, and close new Employee Benefits opportunities.
Build and maintain a strong pipeline to achieve new business goals and revenue.
Lead client-facing discovery meetings, strategy discussions, and proposal presentations.
Educate employers on Employee Benefits strategy, financial models, compliance considerations, and plan design.
Deliver presentations, webinars, and group education sessions to clients and prospects.
Develop tailored solutions and strategic recommendations aligned with client goals and workforce needs.
Represent the agency at networking events, conferences, and vendor partner meetings.
Collaborate with implementation, service, and enrollment teams to support a strong client experience.
Contribute to the development and continuous improvement of the Employee Benefits practice, processes, and offerings.
Stay current on Employee Benefits regulations, market trends, and the competitive landscape to inform clients and strategy.
Use the agency management system for daily activities, documentation, and assigned tasks.
Participate in ongoing professional development and training.
Follow agency processes, confidentiality standards, and quality metrics.
Complete projects and other work as assigned.
Use MS Office, standard office applications, and other technologies effectively, including AI tools such as Copilot and ChatGPT.
Work collaboratively with team members, provide backup support, and align with the agency’s purpose, values, and culture.