Insurance Specialist

About the role

HKS Financial Partners is a comprehensive financial planning and wealth management firm serving individuals, families and business owners across six planning areas — Foundations, Risk, Wealth, Tax, Independence and Legacy. We're adding a licensed Insurance Specialist to be the person our advisors and clients turn to for anything involving life, disability, long-term care, fixed-annuity and property & casualty coverage.

This is a specialist seat, not a sales seat and not a planning seat. Our advisors sell and make the recommendation; complex insurance planning sits with our wealth strategist. You make sure every policy is cleanly placed, every client question is answered promptly and correctly, every illustration is ready when it's needed, and every in-force policy is looked after. You'll know every product we use and what it's for, and you'll have the authority to answer routine questions and run routine transactions on your own.

The role reports to the Managing Partner, works daily with advisors on both of our client teams, and takes over servicing of our existing insurance and annuity book from a long-tenured colleague over a planned 12–18 month transition. You will be introduced to those clients personally and will document each process as it moves to you. Securities registration is not required.

• Produce illustrations, in-force ledgers and carrier/product comparisons at the advisor's direction — typically same or next day — and know every product we use well enough to explain what it does and why a client has it.
• Own new business from application to placement — life, disability, long-term care and fixed annuities: forms, exams and records, underwriting requirements, replacement documentation, delivery and first premium. Keep every case moving with a status update at least every five business days.
• Be the single point of contact for insurance and annuity questions from any HKS client, and answer the routine ones yourself. Run routine transactions for service-only clients — guaranteed-insurability and purchase-option elections, term conversions, dividend and loan changes, contract maturities — and route anything that becomes advice to the advisor.
• Service the in-force book: beneficiary, ownership and premium changes; loans, withdrawals and conversions; annuity renewals, RMDs and maturities; employee-benefit plan administration. Standard: questions answered within one business day, service requests completed within five.
• Care for the book proactively: produce a quarterly in-force report and work it — conversion deadlines, insurability and coverage-increase windows, annuity renewals, lapse-pending policies — bringing opportunities to the advisor.
• Support the team: coverage summaries for annual client reviews, product and underwriting updates for advisors, coordination of property & casualty items through our partner agency, and maintaining the firm's insurance procedures and forms.
• Keep everything compliant and documented — licenses and appointments, carrier and broker-dealer procedures, complete CRM records.

• Active Life, Accident & Health license, or the ability to obtain it within 90 days. Property & Casualty license, or the ability to obtain it within six months (we sponsor both).
• Two or more years in financial services based insurance case design, new-business processing or policy servicing — at a carrier, agency, broker-dealer or advisory firm. Fixed-annuity experience strongly preferred.
• Solid working knowledge of life, disability, LTC and fixed-annuity products and riders, and the ability to read an in-force illustration and explain it to a client in plain language.
• Meticulous follow-through: you like owning a process end to end, keeping…