Remote Financial Benefits Advisor

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 | Ongoing Mentorship

Help Families Make Informed Protection Decisions.
Build a Career From Home.

Are you interested in a remote career that combines client service, financial-protection education, professional development, and performance-based earning opportunities?

AO Globe Life is seeking motivated, professional, and relationship-focused individuals to join our virtual team as Remote Financial Benefits Advisors.

In this role, you'll connect with working families, veterans, labor union members, credit union members, and eligible association members to discuss available life, accident, and supplemental health insurance benefits.

Through scheduled Zoom and phone appointments, you'll help clients understand their options, identify coverage needs, answer questions, and make informed decisions about protecting their families.

This position combines client service, insurance benefits education, relationship management, and consultative insurance sales.

No previous insurance experience is required to apply. We provide training, licensing guidance, mentorship, and ongoing professional development.

Why Consider AO Globe Life?

• 100% Remote: Conduct client appointments and participate in training from home.

• Company-Provided Warm Leads: Connect with prospective clients through company-provided opportunities.

• No Lead Purchasing: Representatives are not required to buy leads.

• Weekly Commissions: Receive commission payments on eligible completed business.

• Performance Bonuses: Additional incentives may be available based on results.

• Flexible Scheduling: Organize your work around appointments, follow-up, and professional responsibilities.

• Training & Mentorship: Receive virtual onboarding, coaching, and continued support.

• Career Development: Qualifying representatives may pursue leadership and management opportunities.

Your Responsibilities

Client Consultations & Needs Reviews

• Contact prospective clients using company-provided leads.

• Schedule and conduct virtual Zoom and phone appointments.

• Build professional relationships through clear, respectful communication.

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

• Conduct client-focused insurance needs reviews.

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

• Answer questions about policy features and coverage.

• Provide appropriate, needs-based insurance recommendations once licensed.

• Help eligible clients complete electronic applications and enrollment documentation.

Client Service & Relationship Management

• Maintain consistent communication with prospective and existing clients.

• Follow up regarding benefit information and coverage decisions.

• Provide professional support during the enrollment process.

• Explain applicable next steps after enrollment.

• Assist with policy reviews and appropriate service requests.

• Help clients navigate beneficiary information and coverage updates.

• Direct clients to appropriate resources for claims-related assistance.

• Maintain accurate digital records and appointment schedules.

• Follow applicable company procedures and state insurance regulations.

Professional Development

• Participate in virtual onboarding and insurance product training.

• Attend applicable coaching sessions and team meetings.

• Strengthen client-service and consultative sales skills.

• Develop confidence in virtual presentations.

• Learn electronic enrollment and client-management systems.

• Participate in continuing education and professional-development opportunities.

This is a client-facing insurance sales and service position, not an hourly financial-services administrative role or a fee-based financial planning position.

Company-Provided Warm Leads

Representatives receive access to company-provided prospective client opportunities, including individuals and families interested in learning about available benefits.

Your role is to connect with clients, understand their needs, explain appropriate coverage options, and provide enrollment assistance.

No lead purchasing or door-to-door prospecting is required.

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

Weekly Compensation & Earning Opportunities

Important Compensation Disclosure

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

There is no guaranteed hourly wage or base salary.

Compensation opportunities may include:

• Weekly commissions on eligible completed business

• Performance-based bonuses

• Renewal and residual income opportunities

• Additional production incentives

• Leadership compensation for qualifying representatives

Compensation is based on completed business, individual activity, productivity, and results.

There is no predetermined commission earnings ceiling, but individual earnings vary and no specific income is guaranteed.

Applicants should be comfortable with a commission-only compensation structure.

100% Remote Work Environment

Client appointments, presentations, enrollment activities, training, and team communication are completed virtually.

Representatives use digital tools such as:

• Zoom

• Phone and email

• Electronic enrollment platforms

• Digital presentation systems

• Client-management tools

• Online training resources

Home Office Requirements

Applicants must provide:

• Reliable desktop or laptop computer

• High-speed internet connection

• Webcam and microphone

• Dependable phone capability

• Quiet, professional workspace

• Basic computer proficiency

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

Comprehensive Training & Mentorship

No previous insurance experience is required to apply.

Training and professional development may include:

• Structured virtual onboarding

• State insurance licensing guidance

• Insurance product education

• Client needs assessments

• Communication and relationship-building skills

• Consultative sales techniques

• Virtual presentation development

• Electronic application procedures

• Digital recordkeeping

• Coaching and mentorship

• Leadership development

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

State Insurance Licensing

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 licensing process.

Professional Support & Qualifying Programs

Eligible representatives may have access to:

• Medical insurance premium reimbursement opportunities

• Company-supported life insurance

• Accidental Death Benefit coverage

• Renewal and residual income opportunities

• OPEIU Local 277 representation where applicable

• Professional coaching and mentorship

• Leadership-development programs

• Virtual business technology

• Performance recognition and incentive travel

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

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

Career Development & Leadership Opportunities

AO Globe Life offers opportunities for representatives to expand their responsibilities through consistent performance, professional development, and demonstrated leadership ability.

Potential career-development areas include:

• Senior client benefits advisory responsibilities

• New representative mentorship

• Training and coaching

• Team leadership

• Recruiting and team development

• Sales management

• Advanced leadership

Advancement is based on performance and qualifications and is not guaranteed.

Who We're Looking For

Successful candidates typically demonstrate:

• Excellent communication and interpersonal skills

• Strong listening and customer-service abilities

• Professionalism, integrity, and reliability

• Attention to detail

• Strong organization and time-management skills

• Confidence communicating through Zoom and phone

• Basic computer proficiency

• Ability to work independently

• Positive, solutions-focused attitude

• Willingness to learn and accept feedback

• Interest in insurance benefits and client financial protection

• Comfort with consultative sales and performance-based compensation

Experience in customer service, sales, banking, insurance, retail, hospitality, healthcare, education, financial services, administration, or account management can be helpful but is not required.

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 reliable computer equipment and high-speed internet.

• Have webcam and microphone capability.

• Maintain a quiet, professional home workspace.

• Be comfortable conducting Zoom and phone consultations.

• Demonstrate professional communication and client-service skills.

• Be willing to participate in required training.

• Understand the commission-only compensation structure.

• Be comfortable performing client-facing insurance sales responsibilities.

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

• Be able to complete applicable licensing and background requirements.

About AO Globe Life

AO operates within the American Income Division of Globe Life, serving working families through life, accident, and supplemental health insurance products.

Our representatives work virtually with clients while receiving training, mentorship, and support from agency leadership.

Our culture emphasizes integrity, client service, professional development, accountability, and performance-based growth.

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

Virtual Interview Process

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

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

Ready to Explore Your Next Career Opportunity?

If you enjoy helping people, building professional relationships, and explaining solutions clearly, this remote insurance career may be a strong fit.

We welcome applicants who are motivated to learn, comfortable with performance-based compensation, and prepared to complete applicable licensing requirements.

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

Work From Home. Educate Clients. Protect Families. Build 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.