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Connect with prospective and existing clients via virtual consultations to explain and enroll them in life, accident, and supplemental health insurance benefits. Provide ongoing client support, manage digital records, and maintain professional relationships through consistent follow-up.
Company: AO Globe Life – American Income Division
Location: 100% Remote
Schedule: Flexible | Full-Time Availability Preferred
Position Type: 1099 Independent Contractor
Compensation: Commission Only | Weekly Commissions | Performance Bonuses
Experience: Entry Level | No Previous Insurance Experience Required
Training: Virtual Onboarding | Licensing Guidance | One-on-One Mentorship
Are you looking for a work-from-home career that allows you to develop valuable professional skills while helping individuals and families make informed decisions?
Do you enjoy connecting with people, answering questions, solving problems, and building lasting relationships?
AO Globe Life is seeking motivated, dependable, and service-oriented individuals to join our growing virtual team as Remote Benefits Service Associates.
In this role, you'll connect with prospective and existing clients through scheduled Zoom and phone consultations, explain available life, accident, and supplemental health insurance benefits, answer questions, assist with enrollment once licensed, and provide continued client support.
This position combines customer service, benefits education, client relationship management, and consultative insurance sales.
Whether you're starting your career, changing industries, or exploring a new professional direction, we provide training, licensing guidance, mentorship, and ongoing professional development.
No previous insurance experience is required to apply.
Conduct client consultations, training, and team communication virtually from your professional home workspace.
No daily commute or traditional office requirement.
No previous insurance experience is necessary to apply.
Receive virtual onboarding, product education, licensing guidance, coaching, and mentorship.
Representatives receive access to company-provided warm leads and prospective client opportunities.
There is no requirement to purchase leads or conduct door-to-door prospecting.
Receive weekly commissions on eligible completed business, with opportunities for performance bonuses and renewal income.
Organize your business activities around client appointments, follow-up, training, and professional responsibilities.
Qualifying representatives may pursue additional responsibilities in mentorship, coaching, team leadership, and sales management.
As a Remote Benefits Service Associate, you'll help create a positive and professional experience for prospective and existing clients.
Responsibilities include:
Contact prospective and existing clients through company-provided opportunities.
Schedule and conduct virtual Zoom and phone appointments.
Establish trust through respectful, professional communication.
Ask questions to understand individual and family protection needs.
Listen carefully to client concerns and priorities.
Answer questions clearly and accurately.
Maintain consistent client communication and follow-up.
Manage appointments and digital client records.
Build long-term relationships through dependable service.
Once appropriately licensed, you'll help clients evaluate available financial-protection options.
Responsibilities include:
Explain available life, accident, and supplemental health insurance products.
Review relevant coverage options and policy features.
Conduct needs-based benefit consultations.
Identify appropriate solutions based on client needs.
Provide suitable recommendations within licensing and company requirements.
Answer questions about coverage and enrollment.
Assist eligible clients with electronic applications.
Review required documentation for completeness.
Follow applicable state insurance regulations and company procedures.
Our approach emphasizes professional service that continues beyond the initial consultation.
You'll help clients by:
Providing professional follow-up after enrollment.
Explaining applicable next steps.
Responding to policy-related questions.
Assisting with applicable policy reviews.
Helping clients navigate beneficiary information and policy-service requests.
Directing clients to appropriate claims-support resources when needed.
Maintaining accurate digital client records.
Building lasting relationships through dependable service.
Complete virtual onboarding and product training.
Attend applicable coaching sessions and team meetings.
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 hourly administrative or inbound-only customer-service position.
Representatives receive access to prospective client opportunities through the company, including individuals and families interested in learning about available insurance benefits.
Your client process generally follows:
Connect → Listen → Understand Needs → Educate → Recommend → Enroll → Support
There is no requirement to purchase leads.
The position involves outbound calls, appointment scheduling, and client follow-up.
Traditional random cold calling and door-to-door prospecting are not required.
Important Compensation Information
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 employee compensation package.
Potential compensation opportunities include:
Weekly commissions on eligible completed business
Performance-based bonuses
Renewal and residual income opportunities
Additional production incentives
Leadership compensation for qualifying representatives
Individual earnings depend on completed business, productivity, consistency, and results.
No specific income level is guaranteed. Individual earnings vary.
Applicants should be comfortable with a commission-only compensation structure before applying.
Client consultations, enrollment assistance, training, and team communication are completed virtually.
Representatives may use:
Zoom
Phone and email
Digital presentation systems
Electronic enrollment platforms
Client-management tools
Online training resources
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 service are not provided by the company.
Representatives have flexibility in organizing their schedules around:
Client appointments
Appointment scheduling
Follow-up communication
Virtual training
Team meetings
Professional development
Production goals
Successful representatives are organized, self-motivated, dependable, and comfortable managing their responsibilities independently.
We welcome applicants from a wide range of professional backgrounds.
Training and professional development may include:
Structured virtual onboarding
State insurance licensing guidance
Insurance product education
Client needs assessments
Customer-service development
Relationship management
Consultative sales training
Virtual presentation techniques
Electronic application procedures
Digital documentation
One-on-one mentorship
Ongoing coaching
Leadership development
Training is provided at no cost but is not hourly compensated.
Applicants do not need to hold an insurance license when applying.
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 licensing fees.
Applicants should be willing and financially prepared to complete the required licensing process.
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 technology and 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.
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.
Representatives who demonstrate strong performance, professionalism, consistency, and leadership potential may pursue additional responsibilities.
Potential development opportunities include:
Senior client benefits responsibilities
Training and mentoring newer representatives
Coaching
Recruiting
Team leadership
Sales management
Advanced leadership
Management advancement is performance-based and is not guaranteed.
You may be a strong candidate if you are:
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 professional development
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 communication skills, work ethic, professionalism, coachability, and willingness to learn.
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.
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.
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.
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 Benefits Service Associate opportunity with AO Globe Life.
Work From Home. Support Clients. Help Families. 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.
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