Remote Life & Health Insurance Representative

Remote Life & Health Insurance Representative

Company: AO – American Income Division of Globe Life
Work Arrangement: 100% Remote | U.S. Residents Only
Schedule: Flexible | Work From Home
Experience: Entry Level Welcome | No Prior Insurance Experience Required
Compensation: Commission-Based | Weekly Pay | Performance Incentives

Turn Your Ambition Into a Career With Long-Term Potential

Are you looking for a career where your effort can directly influence your income, professional growth, and future opportunities ?

AO is expanding our nationwide virtual team and seeking motivated, people-focused professionals to join us as Remote Insurance Growth Consultants .

In this role, you'll connect virtually with individuals and families who have requested information about available benefits , learn about their needs, explain coverage options, and help them make informed decisions about protecting what matters most.

This opportunity combines client service, relationship building, benefits education, consultative insurance sales, and professional development in a 100% remote environment.

Whether you're beginning a new career, changing industries, or looking to build on previous sales or customer-service experience, we provide the training, mentorship, licensing guidance, and ongoing support needed to get started.

No previous insurance experience is required.

✓ 100% Work From Home
✓ Flexible Scheduling
✓ Qualified Client Opportunities Provided
✓ No Lead Purchasing Required
✓ No Traditional Cold Calling
✓ Weekly Commission-Based Pay
✓ Performance Bonuses + Renewals
✓ Comprehensive Training & Mentorship
✓ Performance-Based Leadership Advancement

What You'll Do

As a Remote Insurance Growth Consultant , you'll work directly with prospective and existing clients while developing valuable communication, business, and relationship-management skills.

Connect With Clients & Build Relationships

• Conduct scheduled consultations through Zoom and phone

• Connect with individuals and families who have requested benefit information

• Ask questions to understand each client's needs and financial protection priorities

• Build trust through professional, personalized communication

• Answer questions clearly and accurately

• Maintain consistent follow-up with prospective and existing clients

• Develop long-term relationships through exceptional service

️ Educate Clients & Recommend Solutions

• Explain available life, accident, and supplemental health insurance options

• Review coverage features and available benefits

• Help clients evaluate options based on their individual needs

• Provide needs-based recommendations

• Present information in a professional and easy-to-understand manner

• Guide clients through applications and enrollment

• Assist with required documentation

• Provide ongoing policy and client support when applicable

Manage Your Business Professionally

• Maintain organized appointment schedules

• Track client follow-up and service needs

• Maintain accurate digital records and documentation

• Utilize virtual business systems and technology

• Follow applicable company procedures and state insurance requirements

• Manage your time and activity independently in a remote environment

Why Join AO?

100% Remote Flexibility

Build your career from home while connecting virtually with clients, mentors, and teammates across the country.

Enjoy:

• No daily commute

• Virtual client appointments

• Remote training and coaching

• Online team collaboration

• Modern digital systems

• Greater flexibility in managing your schedule

Qualified Client Opportunities – No Lead Purchasing

Rather than spending your time searching for prospects, representatives work with qualified client opportunities, including individuals who have requested information about available benefits .

This allows you to focus on:

• Client consultations

• Benefits education

• Needs-based conversations

• Enrollment assistance

• Relationship building

• Follow-up

• Long-term client service

No lead purchasing is required.

Our approach emphasizes education, service, relationships, and trust rather than high-pressure sales tactics .

Weekly Pay & Uncapped Performance-Based Earnings

This is a commission-based independent contractor opportunity rather than an hourly or salaried position .

Earning opportunities may include:

• Weekly commission payments

• Performance-based bonuses

• Renewal and residual income opportunities

• Leadership incentives

• Recognition programs

• Additional performance rewards

There is no predetermined cap on commission earnings ; however, income is directly tied to individual activity, production, consistency, and results.

Individual earnings vary. No specific income level is guaranteed.

Comprehensive Training & Mentorship

No Insurance Experience? No Problem.

You don't need to arrive knowing the insurance industry.

We provide structured development designed to help motivated professionals learn the business and build confidence.

Training may include:

• Virtual onboarding

• Insurance product education

• Benefits and coverage training

• Client needs assessment

• Consultative sales development

• Customer-service training

• Virtual presentation skills

• Enrollment systems and procedures

• Weekly coaching

• Live virtual workshops

• One-on-one mentorship

• Leadership development

• Ongoing professional education

You'll have access to experienced leaders who can help you strengthen your skills as you progress.

Insurance Licensing Support

Candidates must hold or be willing and able to obtain the appropriate state Life & Health Insurance License before conducting activities that require licensing.

Not licensed yet?

That's okay.

Candidates moving forward receive guidance through the licensing process , including information about the required pre-licensing education, state examination, and next steps needed to become properly licensed.

A state insurance license is required before performing licensed insurance activities.

Performance-Based Career Advancement

At AO, professional growth is based on performance, consistency, initiative, development, and demonstrated leadership ability—not simply how long you've been with the organization .

Representatives interested in expanding their responsibilities may have opportunities to develop into:

Insurance Growth Consultant → Mentor/Trainer → Team Leader → Management → Advanced Leadership

Leadership development may include:

• Mentoring newer representatives

• Training and coaching

• Team development

• Performance management

• Business development

• Leadership workshops

• Management development

Advancement opportunities are earned through performance and development and are not guaranteed.

❤️ Benefits & Professional Support

Qualifying representatives may have access to:

• Medical reimbursement program

• Company-supported life insurance

• Accidental Death Benefit coverage

• Renewal and residual income opportunities

• Leadership development programs

• Professional conferences and events

• OPEIU Local 277 representation, where applicable

• Performance recognition programs

Eligibility requirements and qualification periods may apply.

✈️ Recognition & Incentive Opportunities

Strong performance may also qualify representatives for opportunities such as:

• Company-sponsored incentive travel

• Leadership conferences

• Professional development experiences

• Performance contests

• Achievement awards

• Team recognition

• Leadership events and retreats

These programs provide additional ways to recognize representatives who consistently achieve strong results.

Who Thrives in This Role?

We're looking for individuals who demonstrate:

Strong Communication

You enjoy talking with people, listening to their concerns, and explaining information clearly.

Relationship-Building Ability

You understand that trust and long-term relationships are essential to exceptional client service.

Self-Motivation

You're comfortable taking responsibility for your activity, development, and results.

Goal-Oriented Mindset

You're motivated by achievement and want your performance to create additional opportunities.

Coachability

You're willing to receive feedback, learn from experienced mentors, and continuously improve.

Professionalism & Integrity

You understand the importance of helping clients make informed decisions based on their individual needs.

Organization & Accountability

You can independently manage appointments, follow-up, training, and client responsibilities.

Growth Mindset

You're looking for more than a temporary remote position—you want the opportunity to build valuable skills and develop professionally.

Experience That Transfers Well

Previous insurance experience is not required .

Experience in the following areas can translate especially well:

• Customer Service

• Sales

• Client Relations

• Hospitality

• Retail

• Healthcare

• Education

• Banking

• Financial Services

• Recruiting

• Administrative Support

• Call Center Operations

• Account Management

• Business Development

• Military Service

• Leadership or Management

We value communication skills, professionalism, work ethic, coachability, accountability, and willingness to learn as much as previous industry experience.

Minimum Requirements

Applicants must:

• Be at least 18 years of age

• Be legally authorized to work in the United States

• Be physically located within the United States

• Have access to a computer or laptop

• Maintain reliable high-speed internet

• Have webcam and microphone capability

• Maintain a quiet, professional workspace

• Be comfortable conducting client appointments through Zoom and phone

• Be comfortable working independently in a virtual environment

• Be willing to complete required training

• Be willing and able to obtain the appropriate state Life & Health Insurance License

Virtual Interview Process

Qualified applicants will first complete a brief career overview covering:

• Position responsibilities

• Client-service and sales expectations

• Commission-based compensation

• Licensing requirements

• Training and mentorship

• Career and leadership opportunities

Candidates interested in continuing will then have the opportunity to schedule a live Zoom interview with our hiring team .

All interviews are conducted virtually, making the hiring process convenient and accessible from anywhere within the United States.

Ready to Turn Your Ambition Into Opportunity?

If you're looking for a remote career where you can help families, build meaningful client relationships, develop professionally, and create long-term income and leadership opportunities through your performance , we'd like to hear from you.

Apply today to be considered for our Remote Insurance Growth Consultant opportunity with AO – American Income Division of Globe Life.

Work From Home. Protect Families. Build Relationships. Earn Through Performance. Grow Into Leadership.

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.