Estate Planning Advisor (Insurance)

The Toronto-Dominion Bank (Canada); Montreal (administrative region); On-site; CAD 120,000 - 180,000; Full time

Job summary

The Toronto-Dominion Bank (TD) Wealth Insurance Services seeks an Estate Planning Advisor to guide high net worth clients on sophisticated life insurance and wealth transfer strategies. You will collaborate with Private Bankers, Investment Advisors, and Estate Planning professionals to uncover opportunities, design solutions, and deliver exceptional outcomes.

Role requires deep tax and estate knowledge, bilingual English-French, and a proven ability to influence affluent clients while

Qualifications

• University degree.
• 8-10+ years in the Canadian life insurance industry, ideally in client-facing advisory, sales, or wealth planning.
• Life Insurance License in good standing.
• Professional designation such as CFP, CLU, CHFC, or equivalent.
• French & English bilingualism is required.
• Deep expertise in insurance planning, estate planning, taxation, and wealth transfer strategies.
• Proven ability to influence and collaborate with affluent clients and professionals.
• Strong business development mindset with a track record of growing client relationships.
• Exceptional communication, presentation, and relationship management skills.
• Ability to navigate complex client situations and deliver sophisticated advice with confidence and credibility.

Responsibilities

• Develop sophisticated insurance and wealth transfer strategies for HNW/UHNW clients.
• Identify, recommend, and implement customized life insurance solutions.
• Own the full client journey from discovery through implementation and ongoing management.
• Build partnerships across TD Wealth channels to expand access to affluent client opportunities.
• Collaborate with leading insurers and wholesalers on product innovation.
• Promote estate planning, insurance, and wealth-protection solutions for long-term value.
• Drive growth through proactive client acquisition and relationship expansion.
• Maintain compliance and risk management standards while delivering exceptional experiences.
• Stay updated on industry trends to provide forward-thinking advice.
• Contribute best practices to enhance client solutions and service delivery.

Skills

Bilingual (French & English)

Excellent communication

Relationship management

Education

University degree

Job description

Job Description

At TD Wealth Private Wealth Management (PWM), we work with High Net Worth (HNW) and Ultra High Net Worth (UHNW) individuals, families, and business owners to help them achieve what matters most. We deliver tailored wealth strategies that align with each client's unique goals, priorities, and legacy aspirations. As part of this offering, Wealth Insurance Services plays a critical role in helping clients preserve, protect, and transition wealth through sophisticated insurance and estate planning solutions. By leveraging leading insurance products and advanced tax-efficient strategies, we help clients address complex financial, business succession, and estate planning needs with confidence.

The Opportunity

As a Estate Planning Advisor (Insurance), you will partner with some of the firm's most affluent clients, providing expert insurance guidance as an integral component of their overall wealth strategy. You will collaborate closely with Private Bankers, Investment Advisors, Financial Planners, and Estate Planning professionals to uncover opportunities, develop customized solutions, and deliver exceptional client outcomes.

What You’ll Do

Develop sophisticated insurance and wealth transfer strategies for HNW and UHNW clients, ensuring plans are aligned with complex tax, estate, and wealth preservation objectives. Identify, recommend, and implement customized life insurance solutions that support clients’ broader financial and legacy planning goals. Own the full client journey, from opportunity identification and client discovery through solution design, implementation, and ongoing relationship management. Build strong partnerships across TD Wealth channels to expand access to affluent client opportunities and deepen client relationships. Collaborate with leading insurance carriers and wholesalers to stay at the forefront of product innovation and market opportunities. Promote comprehensive estate planning, insurance, and wealth protection solutions that create long‑term value for clients. Drive business growth through proactive client acquisition, relationship expansion, and strategic business development initiatives. Deliver exceptional client experiences while ensuring operational excellence, compliance, and risk management standards are consistently maintained. Stay current on industry developments, tax and estate planning trends, and evolving insurance solutions to provide forward‑thinking advice. Contribute ideas and best practices to enhance client solutions, business effectiveness, and overall service delivery.

What You Bring

• University degree.
• 8-10+ years of experience within the Canadian life insurance industry, ideally in a client-facing advisory, sales, or wealth planning environment.
• Life Insurance License in good standing.
• Professional designation such as CFP, CLU, CHFC, or equivalent.
• French & English bilingualism is required.
• Deep expertise in insurance planning, estate planning, taxation, and wealth transfer strategies.
• Proven ability to influence and collaborate with affluent clients, centres of influence, and wealth management professionals.
• Strong business development mindset with a track record of generating and growing client relationships.
• Exceptional communication, presentation, and relationship management skills.
• Ability to navigate complex client situations and deliver sophisticated advice with confidence and credibility.

Who We Are

TD is one of the world’s leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

Our Total Rewards Package

Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well‑being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well‑being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more

Additional Information

We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home. Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

Colleague Development

If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

Training & Onboarding

We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Interview Process

We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation

Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.

Language Requirement (Quebec only)

Maîtrise d’une langue autre que le français pour offrir du soutien ou traiter avec les clients qui ont besoin de services et de soutien dans une langue autre que le français.

Our Values

At TD we’re guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture.

Our Commitment to Diversity, Equity, and Inclusion

At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.

Helping to Make an Impact in Communities – TD Ready Commitment

TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities. Learn more: Canada | US | Europe & Asia Pacific