Senior Employee Benefits Consultant

Our client is an independent, FCA-regulated employee benefits broker providing whole-of-market advice across Private Medical Insurance (PMI), Group Protection (Group Life, Income Protection, Critical Illness) and Health & Wellbeing benefits to corporate clients. They are not an insurer, an HR consultancy, or an in-house benefits function — they are intermediaries who advise employers on the open market and are remunerated accordingly.

The Role

We're looking for a broking professional who currently manages a live portfolio of corporate clients and advises them directly on PMI, Group Protection and Health & Wellbeing arrangements — renewals, market reviews, insurer negotiations, and new business. This is a client-facing advisory role, not an internal benefits administration, reward, or HR business partnering position.

You will:

• Own and grow a portfolio of corporate clients, running renewals, market reviews and insurer negotiations across PMI, Group Risk and Health & Wellbeing products
• Provide independent, whole-of-market advice — sourcing and comparing terms across the insurer panel, not a single provider
• Identify and convert new business opportunities within your existing network and client base
• Produce compliant recommendation reports and advice documentation in line with FCA requirements
• Work alongside internal specialists and account handlers to deliver a joined-up client service

Essential — you must currently have:

• Live experience as a broker/consultant/adviser at an FCA-regulated intermediary, insurance broker, or IFA firm — not an insurer, reward consultancy, or in-house benefits/HR function
• A current or recent portfolio of corporate clients that you have personally advised on PMI and/or Group Protection
• Working technical knowledge of the UK Group Risk and PMI insurer market (products, underwriting, and renewal processes)
• A track record of new business development and client retention you can speak to with real figures

Strongly preferred:

• CII qualifications (IF7, GR1, or progress toward the Diploma in Regulated Financial Planning) — we weigh live book-management experience at least as heavily as paper qualifications, so don't rule yourself out if you're part-qualified but have the client experience
• Based in or able to work regularly from the South West

Please note, this role is not a fit for: HR Business Partners, Reward & Compensation Consultants, in-house Benefits Administrators, Pensions Administrators, or candidates whose "Employee Benefits" experience is on the employer side rather than the broking/advisory side. Please don't apply if this describes your background — it won't be the right role for either of us.

Why Join?

• Genuine independent, whole-of-market advice — no tied panel, no proprietary product to push
• A specialist team that values technical depth over generalist HR breadth
• Ongoing professional development and support toward CII qualifications
• Competitive salary, bonus, and long-term incentive plan, plus flexible working

Contact: Steve Mallaband

Reference: SM/105150

Candidate care:

By responding to this advert you consent to Cavendish Maine processing the personal data included within this application.

If your application is successful we will contact you to discuss the opportunity in more detail, within 48 hours of receiving your application.

Should you not hear from us within 3 working days please assume your application has been unsuccessful on this occasion. Please be advised that if unsuccessful for this role we may keep your details in our hold file, during which time you may be contacted for other suitable vacancies.  If you do not want us to do this please call us to advise.

In the meantime, we would like to thank you for your interest in Cavendish Maine.