Job Description

Who We Are:

NFP, an Aon company, is a multiple Best Places to Work award winner in Business Insurance who has also earned the WORK180 employer endorsement. We are an organization of consultative advisors and problem solvers. We help companies and individuals around the globe address their most significant risk, workforce, wealth management and retirement challenges through custom solutions and a people-first approach. To learn more, please visit: https://www.NFP.com.

The Individual Health and Medicare Advisor is an employee role which is utilized to aid the public in selecting appropriate Individual Health or Medicare Products (along with applicable ancillary products). It is a full-time sales position: 100% commission position with a draw and generous employee benefits. This employee is responsible for growing and maintaining a book of business and independently developing relationships with prospects and key client contacts.

Essential Duties and Responsibilities:

• Works independently, but in accordance with Agency requirements to appropriately initiate, qualify and develop new business relationships through self-generated prospects.
• Identify new individual (and group) clients who may have a desire for Individual Health or Medicare products or a change in carrier through development or maintenance of progressive business operations, including client contact, maintenance of prospect lists, involvement in civic organizations, centers of influence, information from newspapers, business directories, industry ads, trade shows, Internet websites, and other sources, etc. Compile lists of prospective customers for use as sales leads.
• Gather and assemble appropriate and accurate information, to initiate new and transferred accounts with due diligence, and within regulatory compliance.
• Exercise independent judgment, while developing sales proposals and presentations that are consistent with NFP business and ethics standards,
• Evaluate opportunities for individual products that can fill a need for vulnerable clients, to include short term, gap, or stacked benefit options
• Conduct annual review of renewing individual health business and make recommendations regarding the individual’s needs.
• Deliver timely product information and/or policies to clients as new information is released.
• Maintain accurate data-base and physical files containing client information, in a manner consistent with applicable agency and carrier guidelines, as well as Federal and State Department of Insurance rules. Reports actual results to agency timely, updating systems as needed for proper reporting and servicing.
• Work with management to develop and execute a plan to create Medicare referral partners and downline producers from other NFP offices
• Stay current on new product developments in the Individual Health and Medicare market
• Conduct educational Medicare presentations as a means of outreach to groups and community partners
• Outside of peak season, develop strategies for cross-sale opportunities and lead flow
• In addition to Florida, drive initiatives to license and appoint in NFP Regional geographies that are currently underserved –AL, MS, TN, WV

Knowledge, Skills, and/or Abilities:

• Knowledge of Affordable Care Act, CMS standards and regulatory changes, carrier products and services
• Knowledge of Medicare health insurance markets
• Knowledge of how Medicare plans work with group benefits and COBRA
• Demonstrated ability to develop creative approaches to growing a block of business
• Ability to work independently and anticipate account needs
• Effective time management and decision-making skills
• Diligent follow up skills and outreach skills
• Ability to express ideas clearly in both written and oral communications
• Ability to be a self-starter
• Strong computer skills
• Commanding presentation and public speaking abilities
• Willingness to reach out to develop new relationships that will feed the sales funnel
• Discerning decision-making skills

Education and/or Experience:

• High School graduate (or equivalent), BA/BS preferred

Certificates, Licenses, Registration:

• Florida Individual Health Insurance Agent’s license (FL 215) required
• Appropriately license or ability to obtain licensing in other states as required
• CMS Certifications as needed for over-65 product offerings

What We Offer:

We're proud to offer a competitive salary, PTO & paid holidays, 401(k) with match, exclusive discount programs, health & wellness programs, and more. Our PeopleFirst culture focuses on building and nurturing lifelong relationships with our employees because, at the end of the day, we exist to be there for others. The base salary range for this position is $52,000 – $81,000. The base salary offered will be determined by factors including, but not limited to, experience, credentials, education, certifications, skill level required for the position, the scope of the position, and geographic location. Actual base salary offered will be determined on a case-by-case basis. In addition to the base salary, this position may be eligible for performance-based incentives.

NFP and You... Better Together!

NFP is an inclusive Equal Employment Opportunity employer.