Insurance Risk Consultant – Short Term and Life

Headhunters; Umhlanga Rocks; On-site; ZAR 450,000 - 600,000; Full time

Job summary

A financial services company in Umhlanga is seeking an experienced Insurance Risk Consultant specializing in Short-Term and Life Insurance. The successful candidate will leverage their expertise to identify insurance opportunities within financial planning contexts, ensuring compliance with industry regulations while fostering client relationships.

Qualifications

• Minimum 5 years experience in a similar role.
• Up-to-date Continuous Professional Development (CPD) hours.
• Fully authorised as a representative for FSCA sub-categories.

Responsibilities

• Identify and analyze Life and Short-Term Insurance (STI) opportunities.
• Prepare and present comprehensive advice documents.
• Manage client onboarding and underwriting requirements.

Skills

Negotiation

Communication

Client-focused

Education

Bachelor’s degree in commerce, Finance, Investments, or related field

FAIS-recognised qualification

CFP designation

RE5 certification

DOFA Certification

Tools

XPlan

Job description

Insurance Risk Consultant – Short Term and Life

Reference 1243174220

Sector Financial Services

Location Umhlanga Rocks

Job Type full_time

Experience 3 to 4 years

Qualifications No education

Package Negotiable

Description

Our client in the Financial Services Industry, and based in Umhlanga, KwaZulu Natal is seeking to appoint an experienced Short Term and Life Insurance Risk Consultant.

The role includes identifying and analysing Life and Short-Term Insurance (STI) opportunities, within financial planning partners’ client bases.

Requirements:

• Bachelor’s degree in commerce, Finance, Investments, or related field.
• FAIS-recognised qualification.
• CFP designation preferred.
• RE5 certification is essential.
• DOFA Certification
• Valid driver’s license and own vehicle.
• Willing and able to travel for client meetings.
• Must be fully authorised as a representative (not under supervision) for FSCA sub-categories:
  
  • Long-Term Insurance: B1, B1-A, B2, B2-A, and C.
  • Experience in these categories must not have lapsed.
• Proven evidence of class of business and product-specific training.
• Up-to-date Continuous Professional Development (CPD) hours.
• Minimum 5 years' experience in a similar role (Broker Consultant / Life Insurance Agent, etc.).
• XPlan experience advantageous, fully computer literate.
• Must meet FAIS honesty, integrity, and good standing requirements.
• Must not have been declared insolvent or provisionally insolvent.
• Excellent written and verbal communication skills.
• Strong negotiation and persuasion abilities.
• Client-focused, proactive, and a self-starter.
• Ability to balance strategic thinking with operational delivery.

Responsibilities and expectations but not limited to:

• Identify and analyse Life and Short-Term Insurance (STI) opportunities within financial planning partners’ client bases.
• Prepare and present comprehensive advice documents including proposals, comparisons, and quotations.
• Provide specialist advice in Life Insurance (e.g., Death, Disability, and Critical Illness cover).
• Manage client onboarding and underwriting requirements.
• Conduct regular reviews of clients’ cover based on changes in their circumstances or internal procedures.
• Generate and refer STI leads to the STI tele-advisor:
  
  • Obtain client consent.
  • Book and coordinate appointments.
  • Forward necessary documents (e.g., existing STI schedules).
  • Follow up on appointment outcomes.
• Build and maintain strong relationships with clients and financial planning partners.
• Participate in initiatives to engage, educate, and better meet the needs of clients.
• Travel to reach clientele.
• Track and report on the effectiveness of partner and client initiatives.
• Uphold Treating Customers Fairly (TCF) principles.
• Ensure compliance with all industry and group regulatory requirements.

If you do not hear from us within two weeks of applying, you may assume that your application was unsuccessful.

FAIS-recognised qualification, CFP designation and RE5 certification secures.

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