Senior Family Risk Advisor

Insurancecenterinc; Warwick (RI); On-site; USD 50,000 - 70,000; Full time

Benefits offered by this job

Medical, dental, vision

401(k) with immediate vesting

Base plus commission

Job summary

World Insurance Associates is seeking a Senior Family Risk Specialist to assess personal risk exposures, evaluate insurance needs, and tailor protection plans for individuals and families. This advisory role blends risk analysis with consultative sales to protect assets and financial wellbeing.

Responsibilities include discovering client exposures, recommending home/auto/umbrella packages, and guiding the client through proposals and implementation, while building long-term relationships and

Qualifications

• 3-5 years of personal lines insurance, consultative sales, risk advisory, financial services, 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.

Responsibilities

• Conduct comprehensive discovery conversations to understand client assets, lifestyle, financial considerations, liability exposures, and insurance needs.
• Analyze client risk profiles to identify coverage gaps, emerging exposures, and areas requiring additional protection.
• Evaluate existing insurance arrangements and determine whether the current program addresses the client's overall risk.
• 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 identified exposures and protection needs, with a target package rate of 50%.
• Explain material coverage options, limitations, tradeoffs, and potential gaps so clients can make informed decisions.
• 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 and relationships.

Skills

Consultative discovery

Risk assessment

Coverage strategy

Independent judgment

Client relationship management

Business development

Communication

Professional accountability

Education

High school diploma or equivalent

Bachelor's degree or equivalent combination of education and relevant experience preferred

Job description

World Insurance Associates is seeking a Senior Family Risk Specialist to assess personal risk exposures, evaluate insurance needs, and tailor protection plans for individuals and families. This advisory role blends risk analysis with consultative sales to protect assets and financial wellbeing.

Responsibilities include discovering client exposures, recommending home/auto/umbrella packages, and guiding the client through proposals and implementation, while building long-term relationships and