Risk Advisor, Employee Benefits

Smith Brothers Insurance•Collingswood, NJ

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 for sophisticated employer clients. This full-time sales role is 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 part of normal business. The environment involves frequent in-person, video, email, and phone communication. Compensation is commission-based, with a draw potentially provided during the initial validation period. Total compensation may range from $50,000 to $200,000 or more based on performance; actual earnings vary, and offers are determined based on factors such as experience, skills, training, location, certifications, and education. Eligible employees may participate in company benefit programs. Applicants must be authorized to work in the United States full-time without company sponsorship.

Requirements

Three to five or more 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.
Knowledge of Employee Benefits products, funding arrangements, benefits compliance, market dynamics, and consultative sales processes.
Experience working with carriers, underwriting, benefits marketing, compliance, and client service teams.
Strong presentation, facilitation, and client education skills, including the ability to explain complex information clearly.
Strong analytical and problem-solving skills, with the ability to translate data into recommendations.
Strong organizational skills and ability to manage multiple priorities in a fast-paced environment.
Collaborative, team-oriented, client-first approach, with the ability to work independently while contributing to a broader growth strategy.
Proficiency with agency management systems, carrier platforms, MS Office, and technology-enabled tools.
Ability to use AI tools and AI-assisted workflows and learn new technologies and tools.
Commitment to continuous learning and staying current with industry trends.
Self-motivated, adaptable, strong work ethic, and able to tolerate stress and overcome hurdles.
Flexibility and willingness to take on additional assigned work and projects.
Must be authorized to work in the United States on a full-time basis without company sponsorship.
Ability to view computer monitors for extended periods.

Nice To Haves

Bachelor’s degree in business, finance, human resources, risk management, or a related field.
Employee Benefits insurance sales experience with an independent 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 developing and continuously improving 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.
Engage in ongoing professional development and training.
Comply with agency processes, confidentiality standards, and quality metrics.
Work on assigned projects and other work.
Use MS Office, standard office applications, other technologies, and AI tools such as Copilot and ChatGPT to support work and efficiency.
Work effectively with team members, provide backup support, and contribute to collaboration.
Demonstrate alignment with the company's purpose, values, and culture.