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Personal Insurance Analyst

Posted: 03/07/2024

Position: Personal Insurance Analyst
Position Type: Hybrid
Locations: Cleveland, OH
Time Type: Full time
Job Requisition ID: JR114

Would you like to take ownership in a dynamic, high-growth business that truly walks the talk?

Oswald Companies seeks goal-driven professionals ready to take their career to the next level.

Responsible to utilize standard and advanced planning concepts to develop product designs and prepare quotes that meet a client's specific needs for Personal Insurance; maintains accountability to monitor plan performance for key accounts.


  • Works collaboratively with the team's Sales staff to evaluate a client's particular needs to develop and execute a strategic Personal Insurance Plan.

  • Produces Life, Disability, Long-Term-Care Insurance and Annuity quotes; utilizes carrier illustration software to input client-specific demographic data securing appropriate policy quotes from multiple carriers to identify the most suitable options.

  • Responsible for calculating commissions on new quotes and identifying second-year commission opportunities.

  • Designs new business presentations and discusses options with internal sales staff and/or directly with the client as needed; evaluates the options available and makes a recommendation of the most favorable alternatives to meet the coverage objective.

  • Upon client acceptance, reviews issued policies for accuracy by comparing the policy specifics to the original quote; attaches a specific service plan and communicates plan to the Client Manager for the proper execution of the policy.

  • Responsible to proactively review the established book of business by client for the potential to offer alternative products that lead to more effective solutions.

  • Supports senior-level staff in the servicing of high net-worth clients and their advisors through the technical assessment and understanding of policy changes or transactions and the resulting favorable or unfavorable outcomes.

  • Utilizes the system of record to maintain accurate and updated client demographic and financial information, prospect quotes and client presentations; ensures all data is entered into the system on a timely basis. 

  • Serves as a technical back-up to Client Managers on assigned Institutional Accounts, and is responsible for researching and presenting new and alternative plan designs.

  • Attends topic-specific webinars and meets regularly with carriers to obtain product knowledge on the latest market offerings.

  • Performs peer reviews of all new business presentations, illustrations and newly issued policies to ensure the accuracy of information for client meetings. 

  • Attains further education, coursework and skills development opportunities to obtain professional designations in their field of expertise.

  • Develops leadership capabilities in the planning, execution and delivery of special projects as needed; serves as a change agent where circumstances dictate.


The specific personal traits required to accomplish the essential duties of this job successfully include: 

  • Energetic with a desire to learn a new skill

  • Good organizational skills with the ability to transition quickly from one job to another

  • Ability to problem solve, think logically and work independently

  • Ability to demonstrate a positive attitude

  • Works well under pressure and meets established deadlines

  • Good verbal and written communication skills

  • Good interpersonal skills with a collaborative approach

  • Ability to manage time-sensitive projects


  • Bachelor’s degree in Risk Management & Insurance, Finance or Business from a four-year college or university.

  • No prior job experience is required.

  • Internship experience in the financial services and/or with an insurance brokerage firm is a plus.

We encourage recent graduates who are passionate about entering the dynamic field of insurance and financial services to apply. This role offers an excellent opportunity to grow and develop your skills within a supportive and collaborative team environment.


  • Life, Accident, and Health Insurance license, or be willing to obtain within 6 months of start date. Series 6 or 7 license is a plus.

Who is Oswald?

Oswald is a 129-year-old company that creates a world of protection around the lives and businesses of our clients.

We are an independent, employee-owned company. So, essentially, you own your own success in a personally and financially rewarding opportunity.

Inclusivity is a priority. We foster an environment of collaboration and belonging where our Employee-Owners thrive on their unique path. Our diverse talent reflects the communities and clients we serve, while driving unmatched risk and insurance innovations.  

Our people-first culture and client service excellence have built our reputation of integrity, resourcefulness, and a relentless care for our clients and employees. Don’t believe us? Ask your friends, colleagues, and mentors about Oswald. There’s a reason Oswald has been named a Top Workplace for nine consecutive years.

What you’ll get...

At Oswald, you will have the opportunity to build a long-term career with unlimited growth potential. Aim high, work hard and we’ll help you achieve your goals. 

At Oswald, you will experience our caring work environment. We care about our Employee-Owners, we care about our customers, and we care about the world around us. Our caring personality comes to life in the form of volunteering in the community. We even give employees paid time off to volunteer with an organization of their choice.

At Oswald, you will achieve a work-life balance. We care about your physical and emotional well-being, so work-life balance is encouraged and practiced. We understand you have a life outside of work, and we want you to live it.

At Oswald, you will have access to a world-class Total Rewards package. We truly value our people, which shows in our compensation, benefits, and perks.

In addition to competitive pay, we have designed a performance-based annual incentive program. All employees are eligible to earn a bonus by meeting performance objectives. 

Comprehensive medical, dental and vision plans and numerous supplemental benefit offerings.

Paid time off annually and a sabbatical at every 10-year service anniversary.

Ownership in the company in the form of company stock (discretionary profit-sharing and 401(k) match contribution)

Assistance with parking expenses, discount programs for area services/experiences, and financial support for professional development and licensure/designations

Access to specialized leadership development programming designed to take your career to the next level.

And so much more!

To learn more about Oswald, our culture and everything we have to offer, visit us on LinkedIn.

Oswald, a Unison Risk Advisors company is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic.