Benefits Representative

Insurance Benefits Representative (1099 Independent Contractor)

Location: Kentucky (statewide, any city)

Compensation: Commission plus bonuses

Schedule: Self-managed with full-time effort required for success

About AMBA

For more than 65 years, AMBA has served retired public servants by providing access to supplemental insurance benefits not typically included in traditional retirement plans. We partner with more than 450 associations across all 50 states and Canada, representing over 44 million members, including educators, first responders, veterans, healthcare workers, and trade professionals.

In Kentucky, AMBA is the exclusive endorsed provider for the Kentucky Public Retirees Association, giving direct access to their members and communities.

Why Partner with AMBA

• Proven systems: build your business using established sales processes, strong carrier relationships, and a trusted national brand.
• Leads you can count on: receive no‑cost leads through exclusive association endorsements. Success requires consistent outbound calling, follow‑up, and persistence.
• Purpose‑driven work: help protect the financial security and peace of mind of retirees who spent their careers serving others.
• Entrepreneurial independence: manage your own schedule and daily activities. A consistent full‑time effort is essential to generate income and long‑term success.
• Comprehensive support: access to licensing guidance, structured onboarding resources, self‑branded marketing materials, product education, sales coaching, and business planning tools to support independent agents at every stage of growth.

What You Will Do

• Meet virtually or in person with association members to assess needs and recommend appropriate supplemental insurance solutions.
• Educate clients through one‑on‑one consultations, seminars, webinars, and/or group presentations.
• Utilize a consultative sales approach to assist retirees in protecting their health, income, and legacy, including retirement‑focused solutions like Fixed Indexed Annuities.
• Participate in ongoing training, mentorship, and business planning to continuously improve performance and results.

Who Thrives in This Role

• An entrepreneurial mindset and a self‑starter approach.
• Comfort with phone‑based outreach, follow‑up, and virtual appointments.
• Strong communication and relationship‑building skills.
• A commitment to providing ethical, high‑quality service.
• A Life and Health insurance license or willingness to obtain one prior to onboarding.
• Motivation to grow income through a performance‑based compensation model.

Compensation and Support

• Performance‑based commissions with advanced payouts and lifetime vesting.
• No income cap. Typical first‑year earnings range from $65 000 to $80 000 for agents who maintain consistent activity, with top agents earning $90 000 or more in year one.
• Monthly performance bonuses and travel incentives.
• Ongoing onboarding, sales training, and mentorship.
• Access to experienced local leadership, a dedicated Sales Support team, and onboarding specialists focused on your success.

Ready to Take the Next Step

Apply today to explore a partnership with AMBA and build a purpose‑driven insurance business serving retirees who rely on trusted guidance.