Protection Specialist

Mortgage Advice Bureau; Cardiff; Hybrid; GBP 40,000 - 80,000; Part time

Benefits offered by this job

Financial retainer

High commission split

Uncapped earning potential

Access to insurer panel

Job summary

Premiere FS Ltd – Mortgage Advice Bureau is seeking an experienced Protection Adviser to join its growing business. The role offers a self-employed contract with a financial retainer and a high-commission structure, plus the flexibility to split time between Treorchy, the Cardiff hub and home.

You will provide regulated protection advice, review client banks for opportunities and build lasting client relationships within the Mortgage Advice Bureau network.

Qualifications

• Regulated protection advisory experience.
• Hold relevant qualifications, permissions or competent adviser status.
• Strong knowledge of life insurance, critical illness and income protection.
• Self-motivated and able to manage own diary.
• Entrepreneurial and commercially focused mindset.
• Deliver high standards of customer service and compliance.

Responsibilities

• Provide suitable and compliant protection advice to customers.
• Conduct protection fact-finds and needs assessments.
• Advise on life insurance, critical illness and income protection products.
• Follow up referrals generated by the mortgage team.
• Review existing client bank for protection opportunities.
• Explain policy benefits, exclusions and costs clearly.
• Manage protection applications through underwriting to policy commencement.
• Liaise with insurers and customers to progress applications.
• Maintain accurate customer and compliance records.
• Develop long-term relationships generating repeat business and referrals.
• Respond promptly to inquiries (walk-in, phone, online).
• Deliver professional and customer-focused advice.

Skills

Protection advice

Client relationship

Business development

Diary management

Education

Competent adviser status

Tools

Insurer panel access

Job description

Premiere FS Ltd – Mortgage Advice Bureau

Protection Adviser

Location: Treorchy, with support from the Cardiff hub

Working pattern: Flexible hybrid working

Contract: Self-employed with a retainer

Earnings: High commission split with uncapped earning potential

The opportunity

Premiere FS Ltd, part of the Mortgage Advice Bureau network, is looking for an experienced Protection Adviser to join its growing business.

The company operates from newly refurbished premises in a prominent position on Treorchy High Street and has an established client bank developed over approximately 20 years.

You will work closely with the mortgage team to provide customers with suitable protection advice, while also reviewing the existing client bank for new and ongoing protection opportunities.

This is a self-employed position offering a financial retainer, a competitive commission split and uncapped earning potential. You will have complete flexibility to manage your own diary and can divide your time between the Treorchy branch, the Cardiff support hub and working from home.

Key responsibilities

• Providing suitable and compliant protection advice to new and existing customers
• Conducting comprehensive protection fact-finds and needs assessments
• Advising on appropriate life insurance, critical illness and income protection solutions
• Following up protection referrals generated by the mortgage team
• Reviewing the established client bank to identify customers with unmet or changing protection needs
• Explaining policy benefits, exclusions and costs clearly
• Managing protection applications through underwriting to policy commencement
• Liaising with insurers and customers to progress applications efficiently
• Maintaining accurate customer and compliance records
• Developing long-term relationships that generate repeat business and referrals
• Responding promptly to walk-in, telephone and online enquiries
• Delivering sensitive, professional and customer-focused advice

We Would Like To Hear From Candidates Who

• Have previous experience providing regulated protection advice
• Hold the relevant qualifications, permissions or competent adviser status
• Have a strong understanding of life insurance, critical illness cover and income protection
• Can confidently convert mortgage-related protection referrals
• Are comfortable reviewing and developing an established client bank
• Communicate sensitive financial matters clearly and professionally
• Have an entrepreneurial and commercially focused mindset
• Are self-motivated and capable of managing their own diary
• Deliver consistently high standards of customer service and compliance
• Value the freedom of self-employment alongside the support of an established brand
• Can work independently while collaborating effectively with mortgage advisers

What we offer

• A self-employed contract with a financial retainer
• A competitive, high-split commission structure
• Uncapped earning potential
• Protection referrals from the mortgage advice team
• Immediate access to an established client bank
• New enquiries generated through the Treorchy high-street branch
• Complete flexibility to manage your own diary
• The option to work from Treorchy, the Cardiff hub and home
• Access to Mortgage Advice Bureau technology and systems
• Compliance and business support
• Access to an extensive panel of protection providers
• Potential to earn an equity stake in the business
• The backing of a recognised national mortgage network