Remote Family Protection Advisor

Remote Family Protection Advisor

Company: AO – American Income Division of Globe Life
Location: Omaha, NE 68102 | 100% Remote
Schedule: Flexible | Full-Time Availability Preferred
Job Type: 1099 Independent Contractor
Compensation: Commission Only | Weekly Commissions | Performance Bonuses
Experience: Entry Level | No Previous Insurance Experience Required
Training: Virtual Onboarding | Licensing Guidance | Ongoing Mentorship

Help Families Protect Their Future. Build Your Career From Home.

Are you searching for a work-from-home career where you can make a meaningful difference, develop valuable professional skills, and pursue long-term income and advancement opportunities?

AO – American Income Division of Globe Life is expanding its virtual team and seeking motivated, dependable, and service-oriented individuals to join us as Remote Family Protection Advisors .

In this role, you'll connect with working families, veterans, labor union members, credit union members, and eligible association members through scheduled Zoom and phone appointments.

You'll help clients understand available life, accident, and supplemental health insurance benefits, answer questions, identify coverage needs, provide appropriate recommendations once licensed, assist with electronic enrollment, and maintain long-term client relationships.

This opportunity combines customer service, benefits education, relationship management, and consultative insurance sales .

Whether you're entering the workforce, exploring a career change, or returning after time away, we provide structured training, licensing guidance, mentorship, and ongoing professional development.

No previous insurance experience is required to apply.

Why Consider This Opportunity?

100% Remote — Work From Home

Conduct client appointments, training, and team communication virtually.

Work from a professional home workspace without a daily commute.

Entry Level — Training Provided

No previous insurance experience is necessary to apply.

We provide virtual onboarding, product education, licensing guidance, coaching, and mentorship.

Company-Provided Client Opportunities

Representatives receive access to client opportunities through the company.

There is no requirement to purchase leads, conduct door-to-door prospecting, or engage in traditional random cold calling.

Weekly Commission-Based Compensation

Earn commissions on eligible completed business, with additional opportunities for performance bonuses and renewal income.

This is a commission-only 1099 independent contractor position, not an hourly or salaried customer-service job.

Flexible Scheduling

Organize your schedule around client consultations, follow-up, training, and business-development responsibilities.

Career & Leadership Development

Qualifying representatives may pursue additional responsibilities in mentorship, coaching, team leadership, and management.

Advancement depends on performance and demonstrated qualifications.

What You'll Do

Connect With Clients Virtually

• Contact prospective and existing clients using company-provided opportunities.

• Schedule and conduct Zoom and phone consultations.

• Build trust through professional, respectful communication.

• Ask questions to understand individual and family coverage needs.

• Listen to client concerns and answer questions.

• Maintain organized appointment and follow-up schedules.

Educate Families About Available Benefits

• Explain available life, accident, and supplemental health insurance products.

• Help clients understand coverage options and policy features.

• Discuss individual needs and financial-protection priorities.

• Provide appropriate recommendations once licensed.

• Guide eligible clients through electronic applications and enrollment.

• Review required documentation for completeness.

• Follow applicable state insurance regulations and company procedures.

Deliver Ongoing Customer Service

• Follow up with clients throughout the enrollment process.

• Explain applicable next steps after enrollment.

• Respond professionally to policy-related questions.

• Assist with applicable policy reviews.

• Help clients navigate beneficiary information and policy-service requests.

• Direct clients to appropriate claims-support resources when needed.

• Maintain accurate digital client records.

• Build long-term relationships through consistent service.

Continue Developing Your Skills

• Participate in virtual onboarding and training.

• Attend applicable coaching and team-development sessions.

• Strengthen communication and presentation skills.

• Learn digital enrollment and client-management systems.

• Develop consultative sales and relationship-building skills.

• Work toward individual performance and professional-development goals.

This is a client-facing insurance sales and service role, not an inbound-only call-center or administrative position.

Company-Provided Client Opportunities

Our representatives connect with prospective and existing clients, including individuals and families who have requested or expressed interest in receiving information about available benefits.

This allows representatives to focus on:

Connect → Understand Needs → Educate → Recommend → Enroll → Support

No lead purchasing is required.

The position does involve outbound calls, appointment scheduling, and follow-up.

Traditional random cold calling and door-to-door prospecting are not required.

Weekly Commissions & Performance Incentives

Important Compensation Disclosure

This opportunity is structured as a 1099 independent contractor position with 100% commission-based compensation .

There is no guaranteed hourly wage, base salary, or traditional W-2 compensation package.

Potential income opportunities include:

• Weekly commissions on eligible completed business

• Performance-based bonuses

• Renewal and residual income opportunities

• Leadership compensation for qualifying representatives

• Additional performance recognition and incentives

Individual earnings depend on completed business, productivity, consistency, and performance.

No specific income is guaranteed. Individual earnings vary.

Applicants should be comfortable with performance-based compensation before applying.

Your Work-From-Home Environment

Client consultations, enrollment assistance, training, and team meetings are conducted virtually.

Representatives may use:

• Zoom

• Phone and email

• Digital presentation systems

• Electronic enrollment platforms

• Client-management tools

• Online training resources

Required Equipment

Applicants must provide:

• Reliable desktop or laptop computer

• High-speed internet connection

• Webcam and microphone

• Dependable phone capability

• Quiet, professional home workspace

• Basic computer proficiency

Computer equipment and home internet are not provided by the company.

Flexible Scheduling With Accountability

Representatives have flexibility in organizing their schedules while maintaining consistent activity for:

• Client appointments

• Appointment scheduling

• Client follow-up

• Training

• Team communication

• Professional development

• Production goals

Successful representatives are organized, self-motivated, dependable, and comfortable managing their daily responsibilities independently.

No Insurance Experience Required — Training Provided

We provide training and professional-development opportunities for individuals entering the insurance industry.

Training may include:

• Structured virtual onboarding

• State insurance licensing guidance

• Insurance product education

• Customer-service development

• Client communication techniques

• Relationship management

• Consultative sales training

• Virtual presentation skills

• Electronic application procedures

• Digital documentation

• One-on-one mentorship

• Ongoing coaching

• Leadership development

Training is provided at no cost but is not hourly compensated.

State Insurance Licensing Requirements

An insurance license is not required to apply.

However, representatives must obtain the appropriate state Life & Health Insurance License before performing activities requiring licensure .

Licensing guidance is available.

Candidates are responsible for applicable licensing expenses, including study materials, examination fees, background screening, fingerprinting, and state fees.

Applicants should be willing and financially prepared to complete the required licensing process.

Benefits & Professional Support

Eligible representatives may have access to:

• Medical insurance reimbursement opportunities

• Company-supported life insurance

• Accidental Death Benefit coverage

• Renewal and residual income opportunities

• Professional coaching and mentorship

• Leadership-development programs

• OPEIU Local 277 representation where applicable

• Virtual business resources

• Performance recognition programs

Eligibility, qualification periods, production requirements, and other conditions may apply.

Medical reimbursement is not the same as traditional employer-sponsored health insurance.

Recognition & Incentives

Qualifying representatives may have opportunities to participate in:

• Company-sponsored incentive travel

• Leadership conferences

• Performance recognition programs

• Achievement awards

• Team-development events

• Professional-development experiences

All incentives are subject to applicable performance and qualification requirements.

Career Growth & Leadership Opportunities

Representatives who demonstrate strong results, professionalism, consistency, and leadership potential may pursue additional responsibilities.

A potential career-development path includes:

Family Protection Advisor → Senior Benefits Advisor → Trainer/Mentor → Team Leader → Sales Management → Advanced Leadership

Future responsibilities may include:

• Training and mentoring newer representatives

• Coaching

• Recruiting

• Team development

• Performance accountability

• Leadership

Management advancement is performance-based and is not guaranteed.

Who We're Looking For

You may be a strong candidate if you're:

• Friendly and comfortable communicating with people

• A strong listener who enjoys helping others

• Customer-focused and service-oriented

• Positive, professional, and dependable

• Self-motivated and accountable

• Organized with strong time-management skills

• Comfortable learning new technology

• Able to work independently from home

• Comfortable collaborating with a virtual team

• Goal-oriented and motivated by performance

• Coachable and receptive to feedback

• Interested in building a long-term career

Previous experience in customer service, retail, hospitality, healthcare, banking, education, administration, call centers, military service, client relations, financial services, or sales may be helpful but is not required.

We value work ethic, communication skills, professionalism, coachability, and willingness to learn.

Minimum Requirements

Applicants must:

• Be at least 18 years old.

• Be physically located within an eligible U.S. location.

• Be legally authorized to work in the United States.

• Have a reliable computer or laptop.

• Maintain dependable high-speed internet.

• Have webcam and microphone capability.

• Maintain a quiet, professional home workspace.

• Be comfortable communicating through Zoom and phone.

• Demonstrate professional communication skills.

• Be willing to complete required training.

• Be comfortable with consultative insurance sales.

• Understand the commission-only compensation structure.

• Hold or be willing and able to obtain the required state Life & Health Insurance License.

• Be able to complete applicable state licensing and background requirements.

About AO Globe Life

AO operates within the American Income Division of Globe Life and helps working families understand available financial-protection benefits.

Our representatives serve clients virtually while receiving support from trainers, mentors, and agency leadership.

Our professional culture emphasizes integrity, client service, accountability, continuous learning, teamwork, mentorship, and performance-based advancement.

Our Mission: Protect Every Child. Serve All Working People.

Virtual Interview Process

Qualified applicants will first receive an approximately 15-minute career overview explaining the position, responsibilities, compensation structure, licensing requirements, training, and professional-development opportunities.

Candidates who remain interested may then participate in a live Zoom interview with our hiring team.

Ready to Build Your Career From Home?

If you're motivated, enjoy working with people, and want to explore a remote career combining customer service, benefits education, consultative insurance sales, and professional growth, we encourage you to apply.

Please apply only if you meet the minimum requirements, understand the commission-only compensation structure, and are willing and able to complete the required insurance licensing process.

Apply today with your updated resume to be considered for our Remote Family Protection Advisor opportunity with AO Globe Life.

Work From Home. Protect Families. Build Relationships. Grow Your Future.

Important Information About This Opportunity

This is a 100% remote, independent contractor opportunity with American Income Life / Globe Life. Compensation is commission-based and performance-driven; this is not an hourly or salaried position.

Candidates selected to move forward should be prepared to:

• Be at least 18 years of age and legally eligible to work in the United States
• Provide their own computer/laptop, webcam, reliable high-speed internet, and professional remote workspace
• Complete required training and participate in virtual meetings
• Obtain the appropriate state Life & Health Insurance License before conducting licensed insurance activities
• Complete applicable pre-licensing coursework, examinations, and state licensing requirements at the candidate’s expense

No prior insurance experience is required. Training, mentorship, licensing guidance, and ongoing professional development are provided.

This opportunity is best suited for individuals who are self-motivated, coachable, comfortable working independently, and interested in a performance-based career with opportunities for professional growth and advancement.

American Income Life / Globe Life is committed to providing equal opportunity without regard to race, color, religion, sex, national origin, age, disability, veteran status, or other characteristics protected by applicable law.

Specific licensing requirements, fees, compensation, and contractor terms may vary by state and will be reviewed with candidates during the hiring and onboarding process.