Key Responsibilities

• Review & Analyze Contracts: Evaluate current annuity holdings to identify upgrade or exchange opportunities
• Surrender Charge Calculations: Accurately calculate and explain surrender fees and implications to clients
• Product Expertise: Maintain deep knowledge of fixed index annuities, including growth, income, and legacy strategies
• Client Education: Clearly communicate annuity mechanics and upgrade benefits in client-friendly language
• Illustrations & Comparisons: Run and interpret product illustrations to demonstrate performance and added value
• IMO Collaboration: Partner with Independent Marketing Organizations to source competitive product options
• Consultative Sales: Present upgrade opportunities in a needs-based, solution-oriented manner
• Data Management: Collect and organize client data, policy details, and supporting documentation
• Carrier Coordination: Contact insurance companies to obtain contract values, performance history, and policy specifics

 Qualifications

• Proven experience with fixed and fixed index annuities
• Strong understanding of surrender schedules and annuity product structures
• Ability to simplify complex financial concepts for clients
• Excellent communication, organization, and analytical skills
• Self-motivated and proactive in identifying client opportunities
• Experience with insurance carriers, IMOs, or broker-dealer platforms (preferred)
• Insurance license (215) required; Series 65 or equivalent a plus

Ideal Candidate Traits

• Detail-oriented with a strategic mindset
• Comfortable discussing financial products and upgrades with clients
• Motivated by client success and long-term outcomes
• Collaborative and professional in team and partner interactions

 Benefits Package

• 2 weeks paid time off
• All major holidays off + Christmas week
• Medical, dental, and vision insurance plans
• 401(k) with employer match
• Access to investment company portfolios with no management fees