Risk Advisor, Employee Benefits

Smith Brothers Insurance, LLC•Glastonbury, CT

5d•$50,000 - $200,000

About The Position

The Employee Benefits Risk Advisor develops new business and builds lasting client relationships in the Employee Benefits marketplace. The role focuses on identifying and cultivating mid-to-large group accounts of 100 or more lives, delivering strategic benefits solutions, and partnering with internal resources to provide a strong client experience. The advisor drives revenue growth through proactive prospecting, market expertise, and a consultative sales approach tailored to 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 require evening events and travel as a normal part of the role. Compensation is commission-based, with a draw potentially available during the initial validation period. Total compensation may range from $50,000 to $200,000 or more, depending on performance and other factors.

Requirements

3–5+ years of Employee Benefits insurance experience in a sales-focused role; independent agency experience 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; ability to explain complex information clearly to clients.
Strong analytical and problem-solving skills, including the ability to translate data into recommendations.
Highly organized, able to manage multiple priorities in a fast-paced environment, and comfortable working independently while contributing to a broader growth strategy.
Collaborative, team-oriented, client-first approach.
Proficiency with agency management systems, carrier platforms, and technology-enabled tools.
Strong MS Office skills and proficiency with AI tools and AI-assisted workflows; ability to learn new and future technologies.
Commitment to continuous learning and keeping current with industry trends.
Flexibility and willingness to take on additional assigned work and projects.
Self-motivated, with a strong work ethic, adaptability, and stress tolerance.
Must be authorized 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 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 ensure 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.
Comply with agency processes, confidentiality standards, and quality metrics.
Work on assigned projects and other work.
Effectively use MS Office, standard office applications, and other technologies, including AI tools such as Copilot and ChatGPT.
Work effectively with team members, provide backup support, and contribute to team collaboration.
Demonstrate alignment with the organization's purpose, values, and culture.