Life Insurance Specialist

Job Description

AMS is looking for a motivated, relationship-driven Life Insurance Specialist to join our team and help grow our life insurance business in our western territory.

This is a wholesale life insurance sales role focused on developing and strengthening relationships with financial professionals, advisors, agents and other distribution partners. The Life Insurance Specialist will serve as a knowledgeable and trusted resource to our partners, helping them identify life insurance opportunities, develop appropriate case strategies, understand available products and solutions, navigate underwriting considerations, and move cases from initial opportunity through placement.

This position is more than traditional product sales. The Life Insurance Specialist will provide consultative and point-of-sale support, working alongside financial professionals to recognize opportunities and position life insurance as part of a client's broader financial, estate, business, and protection planning needs.

The ideal candidate is a proactive sales professional who enjoys building relationships, developing a territory, solving problems, identifying new opportunities, and helping financial professionals grow their life insurance business.

Territory

This position will support: California, Arizona, New Mexico, Nevada, Utah, Colorado, Alaska, Hawaii, Wyoming, Montana, Idaho, Washington, and Oregon.

The successful candidate must reside in California and be comfortable traveling approximately 50% of the time throughout the assigned territory.

Key Responsibilities

• Develop, manage, and grow life insurance sales throughout the assigned territory.
• Build strong, long-term relationships with financial professionals, advisors, agents, and other distribution partners.
• Serve as a life insurance consultant and resource to financial professionals, helping them recognize opportunities and incorporate life insurance solutions into appropriate client planning strategies.
• Work directly with financial professionals to understand client objectives and assist with case design, product selection, carrier positioning, and sales strategy.
• Provide guidance on life insurance solutions related to income and family protection, wealth transfer, estate planning, business succession, key-person coverage, executive benefits, and other appropriate planning needs.
• Help financial professionals navigate underwriting considerations, including identifying potential challenges early in the process and collaborating with internal teams and carrier partners to determine appropriate solutions.
• Conduct joint meetings, presentations, trainings, webinars, and other educational activities with financial professionals and, when appropriate, their clients on life insurance products, concepts, carrier solutions, underwriting considerations, and sales strategies.
• Provide ongoing case consultation from initial opportunity through placement, helping ensure that cases continue to move forward and potential obstacles are addressed promptly.
• Maintain consistent follow-up on illustrations, applications, underwriting requirements, pending cases, and outstanding requirements to help improve placement and completion rates.
• Partner closely with internal case management, new business, underwriting, licensing and contracting, operations, and sales teams to provide a seamless experience for financial professionals.
• Develop and execute a strategic territory plan focused on increasing producer engagement, generating new opportunities, expanding life insurance production, and achieving established sales goals.
• Maintain an active pipeline of opportunities and effectively prioritize relationships and cases with the greatest potential for growth. 
• Identify opportunities within existing producer relationships to increase life insurance activity and deepen engagement.
• Identify market trends, competitive activity, producer needs, and emerging opportunities throughout the territory and communicate relevant market intelligence to leadership.
• Represent the company at industry conferences, producer meetings, client events, trainings, and other business-development activities.
• Maintain accurate and timely records of activity, opportunities, pipeline development, case progress, and sales results.
• Remain current on life insurance products, carrier offerings, underwriting trends, sales concepts, industry developments, and applicable regulatory requirements.
• Consistently meet or exceed established sales, activity, placement, and territory-development goals.

Qualifications

• Previous experience in life insurance sales and/or life insurance wholesaling or a related industry is required
• Working knowledge of life insurance products, case design, underwriting, and the new business process is required.
• Experience providing case consultation and sales support to financial professionals is preferred.
• Experience working with financial advisors, insurance professionals, registered representatives, or other financial-services distribution partners is preferred.
• Ability to understand a client's financial objectives and work with financial professionals to identify appropriate life insurance strategies and solutions.
• Proven ability to develop relationships, prospect for new business, and grow production within an assigned territory.
• Strong consultative selling, presentation, and business-development skills.
• Excellent verbal, written, and interpersonal communication skills.
• Comfortable prospecting, initiating new relationships, asking for business, and developing opportunities from initial conversation through placement.
• Strong organizational and territory-management skills with the ability to manage multiple producer relationships, opportunities, and cases simultaneously.
• Ability to work independently in a remote/field-based environment while remaining highly engaged with internal sales and support teams.
• Self-motivated, competitive, accountable, and results-oriented with a strong desire to grow and win.
• Ability and willingness to travel at least 50%, including overnight travel and attendance at producer meetings, conferences, and industry events.
• Must reside in California.
• Appropriate insurance licenses and/or securities registrations may be required based on the responsibilities of the position.

What We're Looking For

We’re looking for someone who is more than a product salesperson. The right candidate will be a relationship builder, problem solver, life insurance consultant, and trusted resource for financial professionals throughout the territory.

You should be comfortable developing new relationships from the ground up while also cultivating and expanding existing partnerships. You should be able to help an advisor move from “I think there may be a life insurance opportunity here” to a well-designed case that ultimately gets placed.

Success in this role will come from understanding the needs of financial professionals and their clients, recognizing opportunities, providing thoughtful case consultation, navigating the complexities of life insurance and underwriting, delivering responsive support, and consistently following through.

If you are energized by building a territory, developing meaningful professional relationships, solving complex cases, creating new opportunities, and driving life insurance sales growth, we would love to hear from you.