Financial Advisor - Bank Insurance Sales
About the job
- Completed vocational training in insurance or banking, such as insurance specialist or bank clerk, or university studies in economics.
- Experience advising private customers on retirement planning, insurance, and investments.
- Initial or substantial knowledge and experience selling personal and property insurance.
- Authorization under Section 34d or Section 34f of the German Trade Regulation Act (GewO).
- A confident and professional manner and strong communication skills.
- An independent, structured, customer-oriented approach to work.
- Affinity for numbers and the ability to maintain an overview of complex financial topics.
- Willingness to work in sales in a banking environment and to travel within the assigned service area.
- Advise affluent private customers on retirement planning, insurance, investment products, and wealth transfer.
- Conduct financial and risk analyses to form the basis for specific recommendations.
- Work closely with the bank's Private Banking team and bank advisors to provide comprehensive customer support and acquire customers.
- Monitor capital-market developments and regulatory changes and incorporate them into customer advice.
- Document all advisory discussions carefully and ensure compliance with regulatory requirements.
- Coordinate with R+V specialists to provide holistic advice and suitable solutions to customers.
- Develop and maintain existing customer relationships to build long-term partnerships.
About the company
R+V Allgemeine Versicherung AG is a major German insurer serving private and business customers. It offers standard insurance products as well as customized private plans and tailored, pragmatic solutions for commercial clients, covering protection and retirement planning. Its products work by providing policy-based coverage after customers pay premiums; claims support and risk management are built into the plans, with options ranging from everyday private coverage to specialized corporate solutions. The company differentiates itself through its large customer base, high premium income, and a broad, integrated portfolio, plus a strong emphasis on partnership, support, and employee benefits. Its goal is to be a reliable partner for customers, employees, and partners, helping people through protection and security while maintaining steady growth.
Company Size
5,001-10,000
Company Stage
N/A
Total Funding
N/A
Headquarters
Wiesbaden, Germany
Founded
1922
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Simplify's Take
What believers are saying
- 2025 pre-tax profit reached 2.2 billion euros; Q1 2026 premiums rose 5.6%.
- First-half 2026 German primary premiums reached 10.6 billion euros, up 5.0%.
- Emmie won German Brand Award 2026, improving digital customer acquisition.
What critics are saying
- R+V expects 2026 pre-tax profit around 1.2 billion euros, far below 2025.
- Efficiency savings already reached 100 million euros, showing structural expense pressure.
- A 2026 German hail, flood, or Kfz shock can crush the combined ratio.
What makes R+V Allgemeine Versicherung AG unique
- R+V’s Volksbanken Raiffeisenbanken network gives it captive German retail distribution.
- Fitch reaffirmed AA strength for R+V Allgemeine Versicherung AG in November 2025.
- NextLevel targets profitable growth while preserving high risk-bearing capacity.
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Benefits
- Paid Vacation
- Wellness Program
- Mentorship Program
- Training Programs