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Jobs in finance: What does a protection adviser do?

04 September, 2020Katie Benham
Cut-out house cupped in hands

If you’re interested in financial services, you’ve got good people skills and care about customers' wellbeing, protection advice could offer you a rewarding career.

What is a protection adviser?

This is a customer-facing role, ideal if you’re interested in financial services and enjoy dealing with people.

As a protection adviser, you’ll talk to customers about their circumstances, the different insurance options and the products they might need, for example:

  • income protection
  • life insurance
  • critical illness cover
  • mortgage protection insurance, and
  • home insurance.

You’ll guide your customers towards the products and services that suit them best and make sure that they’re not paying for the same cover twice.

Where does a protection adviser work?

You might work at a mortgage broker’s or for a financial advice company. Some estate agents and housing companies also employ protection advisers.

But protection advice is increasingly seen as a specialist area in financial services.

Why does protection advice matter?

The Covid-19 pandemic has increased demand for protection products. Consumers need to ensure that they – and their families – will be financially protected in the event of death, illness or disability.

By giving sound, ethical advice, you'll be helping people get the protection cover that’s right for them. You’ll prevent them from wasting money and help them protect their families for years to come.

Justine Paul is Head of Adviser Learning at Sesame Bankhall Group.

She says, “The current health and economic situation has focused everyone’s minds on the worse case scenarios and what-ifs. Advisers can really help to provide clarity on priorities and potentially how needs can be combined and covered by one product.”

How do you become a protection adviser?

If you’re thinking of working in financial services, protection is a great place to start. You can apply to work as a protection adviser and be trained on the job, but relevant experience or training will give you the edge.

Some of the skills and qualities an employer will look for include:  

  • being good with people, excellent communication and listening skills
  • honesty and integrity
  • being well organised with a drive to meet targets
  • willingness to progress and learn new skills
  • the ability to understand and explain complex information clearly.

Is there a qualification for protection advisers?

Yes. Our new specialist course – the Level 3 Certificate in Protection (CertPRO).

This online course will help you explore:

  • the different financial protection needs in the event of death, illness or disability
  • the protection products available and their suitability
  • the application and underwriting process
  • the protection that’s provided by the state
  • insurance details for the home, landlords and self-builds.

Justine Paul says, “A professional qualification shows commitment to your professional status and career, and suggests a genuine desire to do a good job for your customers.”

How long is the course?

You’ll need to commit to 130 hours of study.

But because CertPRO is an online, distance learning course, you can work at your own pace and fit in your study with your other commitments.

What’s the best thing about being a protection adviser?

Knowing that you’ve helped people protect their assets, finances and loved ones is very rewarding and extremely worthwhile.

Justine Paul adds, “With regards to protection needs, advisers are enhancing the customers financial wellbeing in the face of adverse circumstances.”

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Find out more about our Level 3, Certificate in Protection