Risk Advisor, Employee Benefits

Smith Brothers Insurance, LLC•Collingswood, NJ

4d•$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 consultative sales tailored to 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 to support collaboration, training, team engagement, and internal relationship-building. Client, networking, and prospect meetings may involve travel and evening events as a normal course of business. The work involves frequent in-person, video, email, and phone communication, as well as extended periods viewing computer monitors. Compensation is commission-based, with a possible draw during the initial validation period. Potential total compensation ranges from $50,000 to $200,000 or more, depending on performance and 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

3–5+ years of Employee Benefits insurance experience in a sales-focused role.
Active Life, Accident & Health Insurance license in good standing.
High school diploma or equivalent.
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.
Strong presentation, facilitation, and client education skills.
Ability to simplify complex information into clear, client-friendly guidance.
Strong analytical and problem-solving skills, including 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.
Ability to work independently while contributing to a broader growth strategy.
Proficiency with agency management systems, carrier platforms, and technology-enabled tools.
Strong MS Office skills.
Proficiency with AI tools and AI-assisted workflows, and ability to learn new and future technologies.
Self-motivation, strong work ethic, adaptability, and stress tolerance.
Flexibility and willingness to take on additional assigned work and projects.
Authorization to work in the United States on a full-time basis without company sponsorship.

Nice To Haves

Bachelor’s degree in business, finance, human resources, risk management, or a related field.
Employee Benefits insurance experience with an independent agency.
Experience working with carriers, underwriting, benefits marketing, compliance, and client service teams.

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 client guidance and strategy.
Use the agency management system for daily activities, documentation, and assigned tasks.
Engage in ongoing professional development and training.
Ensure compliance 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 to support work and efficiency.
Work effectively with team members, provide backup support, and contribute to team collaboration.
Demonstrate alignment with the organization's purpose, values, and culture.