Senior Family Risk Advisor

Alamo Insurance Services Inc.; Town of Webster (NY); On-site; USD 50,000 - 70,000; Full time

Benefits offered by this job

Medical benefits

Dental benefits

Vision benefits

401(k) with immediate vesting

Job summary

World Insurance Associates, a leading insurance broker, seeks a Senior Family Risk Specialist in the United States to assess personal risk exposures and tailor protection strategies for individuals and families. This role requires discovery conversations, risk analysis, and comprehensive solutions across home, auto, umbrella, and other personal lines.

Join a knowledgeable team to build trusted client relationships, develop a sales pipeline, and guide clients from discovery to implementation

Qualifications

• 3-5 years of personal lines insurance, consultative sales, risk advisory, or related client-facing experience.
• Demonstrated ability to conduct discovery conversations, assess client needs, and explain coverage options.
• Strong analytical, relationship-building, communication, and consultative selling skills.
• Ability to organize and manage a mixed pipeline of company-generated and self-developed opportunities.
• Ability to exercise sound judgment and make client-specific recommendations within established authority.
• Active Property & Casualty license required.
• Risk assessment and analysis
• Independent judgment and decision-making
• Client relationship management
• Communication and influence
• Professional accountability

Responsibilities

• Conduct comprehensive discovery conversations to understand each client's assets, lifestyle, financial considerations, liability exposures, and insurance needs.
• Analyze client circumstances and risk profiles to identify coverage gaps, emerging exposures, and areas requiring additional protection.
• Evaluate existing insurance arrangements and determine whether the current program appropriately addresses the client's overall risk profile.
• Exercise independent judgment in interpreting client information and determining which risks and coverage alternatives require further evaluation.
• Develop and recommend integrated insurance packages across home, auto, umbrella, and other applicable personal lines coverages.
• Package appropriate coverage at the point of sale based on the client's identified exposures and broader protection needs, with a target package rate of 50%.
• Explain material coverage options, limitations, tradeoffs, and potential gaps so clients can make informed decisions.
• Recommend additional protection options when the analysis indicates that a single requested policy would not adequately address the client's overall risk.
• Coordinate with carrier and underwriting partners to evaluate available solutions while retaining responsibility for the client-facing recommendation.
• Build trusted, long-term client relationships through credible advice, responsive communication, and consistent follow-through.
• Manage company-generated referrals and independently develop a portion of the sales pipeline through networking, referrals, and relationship-building activities.
• Guide clients through the evaluation, proposal, selection, and implementation process.
• Maintain clear documentation of discovery findings, risk considerations, recommendations, and client decisions.
• Use approved agency, carrier, quoting, proposal, and client-management systems to support analysis and execution.
• Manage assigned opportunities and priorities with limited day-to-day direction while escalating unusual or highly complex risks when appropriate.
• Comply with agency standards, carrier requirements, licensing obligations, and applicable regulatory requirements.

Skills

Personal lines

Discovery chats

Coverage options

Analytical skills

Relationship-building

Consultative selling

Pipeline management

Sound judgment

Communication

Client management

Accountability

Education

HS Diploma

Bachelor's degree or equivalent

Job description

World Insurance Associates, a leading insurance broker, seeks a Senior Family Risk Specialist in the United States to assess personal risk exposures and tailor protection strategies for individuals and families. This role requires discovery conversations, risk analysis, and comprehensive solutions across home, auto, umbrella, and other personal lines.

Join a knowledgeable team to build trusted client relationships, develop a sales pipeline, and guide clients from discovery to implementation