Life & Health Risk Advisor (Producer)

Life & Health Risk Advisor

Individual & Family Benefits | Life & Health Division

Classification: Exempt (Salaried + Commission)
Pay Range: $60,000 - $150,000+ (Uncapped Commission Earnings)
Reports To: Colorado Director of Sales

Position Summary

The Life & Health Risk Advisor plays a key role in driving new business growth within our Life & Health division. This is a proactive, relationship-driven sales role focused on helping clients navigate important decisions around their health coverage, life insurance, and financial protection needs.

In this role, you will partner with individuals and families to assess their needs, educate them on available options, and provide tailored recommendations across a range of Life & Health solutions. You will also collaborate closely with leadership and internal service teams to ensure a seamless and high-quality client experience from initial consultation through ongoing support.

Essential Duties & Responsibilities

• Identify, prospect, and secure new Life & Health clients
• Generate opportunities through networking, referrals, centers of influence, digital outreach, and community involvement
• Meet and exceed key performance indicators including revenue, new business production, and activity goals
• Maintain an active and organized sales pipeline within CRM systems
• Conduct thorough needs assessments to understand client health, financial, and protection goals
• Present customized solutions including:
  
  • Health Insurance (Individual & Family)
  • Life Insurance (Term, Whole, Universal)
  • Supplemental and ancillary products (e.g., dental, vision, disability)
• Educate clients on plan options, coverage differences, and long-term considerations
• Perform policy reviews to identify gaps and cross-sell opportunities
• Collaborate with internal teams to ensure a smooth onboarding experience and ongoing client support
• Build and maintain relationships with carrier partners and stay informed on product offerings and market changes
• Follow agency workflows, documentation standards, and compliance requirements
• Participate in training, meetings, and ongoing professional development

Core Competencies

• Relationship building and trust development
• Consultative, needs-based selling
• Strong communication and presentation skills
• Education-focused client approach
• Organization and follow-through
• Collaboration and teamwork
• Accountability and goal orientation
• Analytical thinking and problem-solving
• Continuous learning mindset

Minimum Qualifications

• Active Life & Health License (or ability to obtain within 60 days of hire)
• Proven success in sales, business development, or insurance production
• Strong written and verbal communication skills
• Proficiency in Microsoft Office and CRM systems preferred
• Associate or Bachelor's degree preferred (or equivalent experience)
• Commitment to ongoing professional education and development

Job Environment and Conditions

Physical Demands

While performing the duties of this role, the employee is regularly required to sit, communicate, and use hands and arms. Occasional standing and walking may be required.

Work Environment

This role operates within a professional office or remote setting. The work environment is typically moderate to low noise.

Disclaimer

This description reflects the general nature and level of work performed in this role. It is not intended to be an exhaustive list of all duties, responsibilities, or qualifications. Responsibilities may evolve based on business needs.