Financial Adviser | Life Risk

Integrate Recruitment; Sydney; On-site; AUD 120,000 - 150,000; Full time

Job summary

Integrate Recruitment is seeking an experienced Financial Adviser specialising in life risk to manage an established portfolio of clients headed by a dedicated advice pod.

You will deliver structured annual reviews, assess existing cover, provide replacement advice where needed and guide clients through underwriting and claims with clear, compliant documentation. You’ll work with paraplanners to enhance efficiency and maintain a strong compliance standard.

Qualifications

• Experience delivering retail life risk advice.
• Experience across underwriting and claims.
• Registration on the ASIC Financial Advisers Register or eligibility.
• Completion of the Financial Adviser Exam and Professional Year.

Responsibilities

• Conduct structured annual client reviews.
• Review existing cover and identify where further advice is required.
• Provide replacement advice where appropriate.
• Support clients through underwriting and claims.
• Document advice and the reasoning behind recommendations.
• Build long-term relationships with existing clients.
• Deliver high-quality, compliant life risk advice.

Skills

Life risk advice

Underwriting

Claims experience

Client relationship management

Communication

Education

ASIC Financial Advisers Register eligibility

Financial Adviser Exam

Professional Year

Job description

Financial Adviser | Life Risk

Established Client Portfolio | Dedicated Support | Risk-Only Advice

For experienced Risk Advisers who genuinely enjoy life insurance advice and want to remain specialists in the space, this is an opportunity to do exactly that.

Our client is a specialist life insurance business focused purely on risk advice. With an extensive existing client portfolio, experienced leadership team and significant investment in technology and Adviser support, the business has built a model designed to allow Advisers to focus on clients and quality advice.

Unlike many Adviser roles, you won’t be expected to build your client base from cold contacts. You’ll step into an established portfolio of clients who already have cover in place, taking responsibility for their ongoing advice, annual reviews and changing insurance needs.

The Role

Working as part of a dedicated advice pod, you’ll manage ongoing relationships with an established portfolio of life insurance clients.

Your role will include:

• Conducting structured annual client reviews
• Reviewing existing cover and identifying where further advice is required
• Providing replacement advice where appropriate
• Supporting clients throughout underwriting
• Assisting clients through the claims process
• Clearly documenting advice and the reasoning behind recommendations
• Building strong, long-term relationships with existing clients
• Delivering high-quality, compliant life risk advice

You’ll work alongside a dedicated Paraplanner and Client Engagement Specialist, who will assist with meeting coordination, file preparation and document drafting, giving you greater capacity to focus on advice and client relationships. There is also a new business component to the position, with further detail provided during the interview process.

About You

This opportunity would suit an Adviser who has built their career in life risk and wants to continue specialising in it, rather than feeling they need to move into holistic financial advice to progress.

You will ideally bring:

• Strong experience providing retail life risk advice
• Experience across underwriting and claims
• Registration on the ASIC Financial Advisers Register, or eligibility to be registered
• Completion of the required education standards, Financial Adviser Exam and Professional Year
• Strong knowledge of compliant advice processes and documentation
• The ability to explain cover, premiums and trade-offs clearly to clients
• Confidence managing established, long-term client relationships
• A clean compliance record

Why Consider This Opportunity?

This is a little different from the traditional Adviser model.

You’ll have an established portfolio of clients, dedicated paraplanning and client engagement support, and access to technology and AI tools designed to reduce Adviser administration.

Most importantly, this is a business where life risk is the specialisation, not an add-on to holistic advice.

The package includes a competitive salary plus incentives based on experience, with continued professional development and the opportunity to work alongside experienced risk professionals who place a strong emphasis on technical quality.

If you’re an experienced Risk Adviser who enjoys the technical and relationship side of life insurance advice and wants to remain a specialist in the space, we’d love to hear from you.