- Gauteng
- Salary: Market Related (Negotiable)
- Commission: Yes / Comm only position
- Job Type: Permanent
- Sectors: Insurance Investment Sales
- Reference: Internal Advisor
Vacancy Details
SALES
• Follow 6 steps in Financial Planning including Needs Analysis.
• Interact with clients diligently and fairly.
• Advice on Life, Investments, Retirement products with a view to upgrades.
• Maintain a minimum UPGRADE target
• Assist with downgrades if required and only if necessary
• Assist with marketing campaigns, Network and obtain referrals and leads, follow up on leads from
• referrers
• Telephonic reviews & assisting Advisors with general Client reviews internal & external if
• necessary).
• Database Management & ensuring reviews are completed on a minimum of 1 year cycle.
• Actively assessing, Identifying and checking client’s portfolio, segmentation groups, opportunities and possible cross pollination of Database
• Arranging appointments for Advisors if necessary (ensuring schedules are attached and quality appointments are made).
PRESENTATIONS
• Presentation and negotiations to individuals & Groups (Where necessary)
• Client visits when necessary
PREPARATION
• Portfolio preparation & analysis
– Updating schedules
– FNA’s prep
– Identify Shortfalls & Opportunities
– Astute downloads to Data Capturer
• Estate Planning – Estate Preserver – (Wills & Trusts)
• Preparation of new buy and sells and ensuring that Buy & Sells are reviewed annually
• Quotes, In-house Servicing, Upgrades -Downgrades if necessary and campaign follow through
• Client Authority letters to go out in advance of appointment/s.
COMPLIANCE
• Drafting: FNA, ROA,FP, RAR & Investment Replacement Comparison
• Ensuring that all Compliance documentation is loaded on X-plan and that compliance documentation and Financial Needs Analysis (FNA)accompany all new business and/or client servicing. Checking that the Record of Advice (ROA) and FNA mirror one another and further that the Compliance is completed correctly
GENERAL ADMIN
• Creating and following up of TASKS & THREADS. Keeping up to date (No overdue’s).
• Monitoring of Lapse Register & Task created and attempt made to retain
• Queries telephonic & e mail including service level complaints
• Conservation/Retention of business including RAR’s, Cancellations and Other Advisors requesting info
• C.O.L (Counter offer letters), Deferred, Declined
• Technical queries & Broker support on Technical issues
• Liaising with Broker Consultants
• Keep up to date with the latest legislation and Industry Trends
• Continual monitoring and tracking of the new business and servicing pipeline and following up on new business and outstanding servicing requirements
TRAINING
• Compulsory to attend office meeting and in-house training
• The minimum CPD Points must be maintained by attending training sessions and ongoing training towards a full CFP qualification
• Fit & Proper Training as per Board notice 190 (2017)
• General admin – In house servicing – Upgrades and downgrades & new Business
• TCF
• POPI
• FICA
Candidate Requirements
• Grade 12
• MUST have a driver’s license and own reliable vehicle
• Experience on the X-Plan insurance package would be highly beneficial
• Word, Excel and Outlook are a must
• Discovery Life Insurance/Invest experience highly beneficial
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