Health Insurance Advisor

Korhorn Financial Group; Granger, Northern (IN, KY); On-site; USD 42,000 - 65,000; Full time

Job summary

Korhorn Financial Group is seeking a Health Insurance Advisor to educate clients on health coverage options and present value-based recommendations. The advisor will simplify complex concepts and guide clients through enrollment and decision-making, ensuring adherence to regulatory and company guidelines.

You will work with Health Insurance team leaders and cross-functional staff to compile client data, analyze carrier options, and communicate real costs clearly while maintaining comprehensive

Qualifications

• Bachelor’s degree or equivalent industry experience.
• Life & Health license required or ability to obtain.
• Strong organizational and time-management skills.
• Ability to explain complex coverage concepts clearly.
• Proven attention to detail and compliance awareness.

Responsibilities

• Educate clients on health coverage options and present value-based recommendations.
• Answer complex client coverage questions and provide timely responses.
• Prospect and maintain client relationships to meet goals.
• Obtain completed health applications and signatures for carrier compliance.
• Adhere to underwriting guidelines and compliant sales processes.
• Review Medicare, Marketplace or Group health coverage options with clients.

Skills

Excellent organizational skills

Time management

Analytical and problem-solving

Team player / collaboration

Coachable and quick learner

Detail oriented

Education

Bachelor's degree preferred

Life & Health license required or able to obtain

Tools

Microsoft Office Suite

Job description

Reports To:Health Insurance Small Team Leader

Position Mission Statement

The Health Insurance Advisor’s mission is to educate clients on health coverage options and present a value-based recommendation for coverage. The Health Advisor will achieve this by breaking down coverage into easy-to-understand language, thereby simplifying the process for the client.

Responsibilities and Tasks

• Educating clients on health coverage options
• Uncover trust expansion opportunities
• Answer complex client coverage questions as requested by Health Dept CSC
• Administrative, Licensing & Contracting
• Prospecting with clientele
• Quote and sell health business to achieve weekly/monthly goals
• Adhere to company compliance and underwriting guidelines
• Maintain a comprehensive knowledge of health product changes
• Complete AHIP, FFM and product specific training deadlines
• Compile client data to assess carrier options to make recommendations
• Works with Financial Advisors and Tax preparer to ensure the advice given is within the context of a client’s overall financial picture
• Thoroughly communicates out of pocket client expenses to set accurate product expectations
• Adheres to a compliant sales process by obtaining necessary SOA’s, using a compliant marketing and sales process
• Engages client in the presentation to ensure they understand the material presented. Elicit a response from client whether they have concerns about proceeding with coverage.
• Document all client meeting notes within one business day of meeting held
• Obtains completed health applications and signatures for carrier compliance
• Review Medicare, Marketplace or Group health coverage options with clients
• Simplify complex coverage concepts thereby equipping clients to make informed health coverage decisions
• Review coverage and cost analysis information when multiple options are available.
• Perform other duties as required.

Required Skills and Abilities

• Excellent organizational skills and attention to detail.
• Must be well organized with time, resources, physical office space, and client documents/information, detail oriented, and be able to manage a large workload
• Strong analytical and problem-solving skills.
• Ability to adapt to the needs of the organization and clients.
• Ability to prioritize tasks and to delegate them when appropriate.
• Thorough knowledge of carrier, underwriting and binding requirements.
• Proficient with Microsoft Office Suite or related software.
• Must be intrinsically motivated and able to work individually with little direction.
• Must be a team player and able to collaborate with other Insurance team members and cross-functional department members.
• Must be coachable, goal oriented, grasp concepts quickly, able to work in a fast-paced environment, embrace change, and have a strong desire to learn and grow in the insurance services industry.
• Must exemplify the firm’s corporate values and represent the company well in the community and in all dealings with vendors, customers, and other affiliates.

Education and Experience

• Bachelor’s degree preferred, or related field preferred; and/or equivalent industry experience required
• Life & Health license required (or ability to obtain)

Physical Requirements

• Prolonged periods of sitting at a desk and working on a computer.