Protection Adviser

EMEA3 Recruitment; Newcastle upon Tyne; Hybrid; GBP 32,000 - 52,000; Full time

Job summary

Azets Wealth Management is seeking a Protection Adviser to deliver high-quality, client-centric protection advice to existing clients across the UK. The role involves identifying needs, researching suitable solutions, and presenting clear, compliant recommendations that align with client objectives while supporting business growth.

Working with Wealth Advisers and support teams, you will help protect clients against life risks, close protection gaps, and maintain robust client relationships,

Qualifications

• Experience in a regulated financial advice role.
• Experience with a range of product providers / whole market proposition.
• Exposure to business protection.
• CII Level 4 qualified or relevant qualification to support regulated protection advice.

Responsibilities

• Conduct comprehensive client protection reviews and needs assessments.
• Provide regulated protection advice on life assurance, critical illness cover, income protection, family income benefit, and related protection solutions.
• Develop strong internal referral relationships across the business and maximise protection penetration.
• Ensure compliance with FCA regulations and complete accurate client documentation and reports.
• Support continuous improvement and share best practice with colleagues.

Skills

Regulated advice

Whole market

Business protection

CII Level 4

Education

CII Level 4 or equivalent

Job description

About us

At Azets Wealth Management, we are committed to helping individuals, families and business owners achieve financial confidence through trusted advice and long-term relationships. As part of one of the UK's leading professional services businesses, we combine the personal service of a local adviser with the strength, expertise and resources of a national organisation. Our advisers work closely with clients to understand their goals, protect their financial future and support them through every stage of life. We pride ourselves on delivering high-quality advice, exceptional client service and positive client outcomes, underpinned by a strong culture of professionalism, integrity and continuous improvement. As we continue to grow, we remain focused on attracting talented people who share our commitment to putting clients first and making a meaningful difference to their financial wellbeing.

The Protection Adviser is responsible for providing high-quality, client-centric protection advice to existing clients, helping individuals and families safeguard their financial wellbeing against the risks associated with death, critical illness, injury, and loss of income. The role involves identifying client needs, assessing protection gaps, researching suitable solutions, and delivering clear, compliant recommendations that align with clients' objectives and circumstances. Working closely with Wealth Advisers and support teams, the Protection Adviser will contribute to improved client outcomes, increased protection penetration, stronger client relationships, and sustainable business growth.

We’re flexible on location and welcome applications from candidates based across our other office locations.

Key accountabilities:

Client Advice & Relationship Management

• Conduct comprehensive client protection reviews and needs assessments.
• Identify protection shortfalls and areas where clients may be exposed to financial risk.
• Provide regulated advice on life assurance, critical illness cover, income protection, family income benefit, and related protection solutions.
• Deliver clear and understandable recommendations tailored to clients' circumstances and objectives.
• Build trusted long-term relationships with clients through proactive engagement and ongoing support.
• Ensure clients fully understand the benefits, risks, costs, and suitability of recommended solutions.

Business Development

• Work collaboratively with Wealth Advisers to identify protection opportunities within existing client relationships.
• Develop strong internal referral relationships across the business.
• Maximise protection penetration across the client base.
• Support the achievement of individual and team revenue objectives.
• Maintain an active pipeline of client opportunities and referrals.

Client Advice & Relationship Management

• Conduct comprehensive client protection reviews and needs assessments.
• Identify protection shortfalls and areas where clients may be exposed to financial risk.
• Provide regulated advice on life assurance, critical illness cover, income protection, family income benefit, and related protection solutions.
• Deliver clear and understandable recommendations tailored to clients' circumstances and objectives.
• Build trusted long-term relationships with clients through proactive engagement and ongoing support.
• Ensure clients fully understand the benefits, risks, costs, and suitability of recommended solutions.

Business Development

• Work collaboratively with Wealth Advisers to identify protection opportunities within existing client relationships.
• Develop strong internal referral relationships across the business.
• Maximise protection penetration across the client base.
• Support the achievement of individual and team revenue objectives.
• Maintain an active pipeline of client opportunities and referrals.

Compliance & Governance

• Ensure all advice activity complies with FCA regulations, Consumer Duty requirements, and company policies.
• Complete accurate and timely client documentation, suitability reports, and record-keeping.
• Maintain high standards of file quality and client outcomes.
• Keep up to date with regulatory, legislative, and market developments.
• Participate in compliance monitoring, file reviews, and quality assurance activities.

Client Service & Continuous Improvement

• Deliver a high standard of client service throughout the advice journey.
• Support initiatives aimed at improving client engagement and protection outcomes.
• Contribute to process improvements and operational efficiencies.
• Share best practice and technical knowledge with colleagues where appropriate.

Essential skills and experience:

• Previous experience in a regulated financial advice role
• Experience across a range of product providers/ whole market proposition
• Exposure to business protection
• Ideally CII Level 4 qualified or relevant qualification to support regulated protection advice.