Insurance Advisor – Job Description

At RFL Wealth Management, we help professionals build a Rich, Fulfilling Life™ through high touch financial planning, relationship-driven guidance, and long-term strategic thinking. We are not a traditional wealth firm. We are building a modern, fast-growing advisory company focused on exceptional client experience, meaningful relationships, and long-term impact. Our environment is entrepreneurial, fast-paced, collaborative, and growth-oriented.

We are growing rapidly and are looking for an experienced, client-focused Insurance Advisor who is passionate about helping clients protect what matters most. This is an excellent opportunity for a licensed insurance professional who enjoys building relationships, simplifying complex insurance concepts, and working collaboratively with financial planners to deliver outstanding results.

Position Overview

As an Insurance Advisor, you will play a key role in guiding clients through every stage of the insurance process - from the initial needs assessment and running the complete insurance questionnaire, application completion and submission, policy approval, and final policy delivery. You will work closely with Certified Financial Planners (CFPs), case coordinators, underwriters, and internal planning teams to ensure every client receives an exceptional, seamless experience while maintaining the highest standards of accuracy, compliance, and professionalism.

Key Responsibilities

Client Consultation & Needs Assessment

• Conduct comprehensive insurance discovery meetings and insurance questionnaires with clients to assess their financial goals, protection needs, and gather all relevant information required for insurance recommendations and applications.
• Explain insurance strategies, product recommendations, illustrations, policy features, and available options in a clear and easy-to-understand manner, ensuring clients fully understand their coverage before proceeding.
• Review and explain all policy riders attached to insurance illustrations, helping clients understand the purpose, benefits, and implications of each option.
• Build trusted client relationships by providing exceptional service and professional guidance throughout the insurance process.

Application Management & Underwriting

• Prepare, complete, and submit insurance applications accurately and promptly following completion of the insurance questionnaire.
• Understand and interpret insurance illustrations, underwriting guidelines, and carrier requirements to provide accurate information and recommendations to clients.
• Proactively manage underwriting requirements throughout the application process, ensuring all outstanding requirements, documentation, medical information, and follow-ups are completed on time.
• Monitor the progress of each application and maintain regular communication with clients regarding the status of their insurance applications.

Client Meetings & Policy Delivery

• Contact clients to schedule insurance consultation meetings, application signing appointments, and policy delivery meetings.
• Set up and conduct application signing meetings while ensuring all documentation is completed accurately and compliantly.
• Coordinate and facilitate policy signing meetings to finalize policy delivery, review policy details with clients, and ensure all required documentation is completed.
• Ensure every client experiences a smooth, informed, and professional journey from initial consultation through policy issuance and delivery.

Collaboration & Case Management

• Maintain regular communication with Case Coordinators to ensure files progress efficiently through underwriting and policy issuance.
• Collaborate closely with Certified Financial Planners (CFPs), back-end planners, and internal teams to deliver a seamless end-to-end insurance planning experience.
• Work closely with the Insurance Department to ensure applications, submissions, underwriting, policy approvals, and policy delivery are completed accurately, efficiently, and within expected timelines.
• Maintain accurate client records, meeting notes, and documentation within the CRM system while ensuring compliance with company policies and regulatory requirements.
• Identify opportunities to improve internal processes, enhance operational efficiency, and deliver an exceptional client experience.

Qualifications

Education & Licensing

• Valid LLQP (Life License Qualification Program) licence required.
• Provincial life insurance licence in good standing.
• Additional financial planning or insurance designations are considered an asset.

Experience

• Minimum 5 years of experience advising clients on life insurance solutions.
• Experience with Life Insurance, Critical Illness, Disability Insurance, and Living Benefits.
• Strong understanding of underwriting processes and insurance carrier requirements.
• Experience conducting insurance needs analyses and explaining insurance illustrations.
• Experience managing applications from initial consultation through policy delivery.

Technical Skills

• Strong understanding of Canadian insurance products and underwriting guidelines.
• Experience using CRM platforms, Microsoft Office Suite, Monday.com.
• Ability to manage multiple client files simultaneously while maintaining exceptional attention to detail.

What We're Looking For

The ideal candidate is someone who:

• Enjoys building meaningful relationships with clients.
• Communicates complex financial concepts with confidence and clarity.
• Is highly organized and thrives in a fast-paced environment.
• Demonstrates exceptional professionalism, integrity, and accountability.
• Is proactive, solutions-focused, and committed to continuous improvement.
• Works independently while collaborating effectively with a remote team.
• Takes ownership of client outcomes and consistently delivers outstanding service.

Core Competencies

• Client Relationship Management
• Insurance Needs Analysis
• Life Insurance Planning
• Critical Illness & Disability Insurance
• Underwriting Coordination
• Policy Delivery
• Financial Services Communication
• Attention to Detail
• Time Management
• Problem Solving
• Collaboration
• Compliance & Confidentiality

What Success Looks Like

Within your first year, you will:

• Successfully manage a growing portfolio of insurance clients independently.
• Deliver a consistently exceptional client experience from initial consultation through policy issuance.
• Maintain accurate and timely application submissions with minimal revisions.
• Develop strong working relationships with planners, underwriters, and internal teams.
• Consistently meet or exceed insurance activity and production targets.
• Contribute ideas that improve operational efficiency and client satisfaction.
• Become a trusted advisor known for professionalism, responsiveness and outstanding client care.

Why Join RFL Wealth Management? If you believe exceptional experiences create exceptional businesses, and you are passionate about helping clients protect their financial future and are looking to grow your career with an innovative and client-focused wealth management firm, we would love to hear from you.

What We Offer

• Competitive base salary, commensurate with experience.

• Health and Wellness spending account.

• Paid time-off.

• Additional day off for every 3-day Ontario weekend; as part of RFL culture.

• Clear career progression.

• Exposure to the financial advisory and investment industry.

• Supportive, compliance-driven fully remote work environment.

• Employment status: Full-time. Fully remote.

• Hours of work: o Standard workweek of 40 hours, with availability and flexibility to work in evenings and on weekends. o Overtime, where applicable, will be compensated in accordance with the Ontario Employment Standards Act (ESA).

• This role is an incremental addition to the existing team, with high ownership and visibility, created to support the company’s growth objectives.

AODA Statement

Accommodations are available on request for candidates participating in the selection process. If you require specific accommodation, please let us know. RFL Wealth uses automated tools, including artificial intelligence, to support parts of the recruitment process. RFL Wealth Management is committed to providing equal employment opportunities to all employees and applicants for employment without regard to race, color, creed, religion, sex, pregnancy, national origin, ancestry, citizenship status, age, marital or partnership status, sexual orientation, gender identity or expression, disability, genetic predisposition, veteran or military status or any other class or status in accordance with applicable federal, provincial and local laws.