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Conduct virtual consultations to educate members on life, accident, and supplemental health insurance benefits. Provide ongoing support for policy reviews, beneficiary updates, and claims-related guidance to maintain long-term client relationships.
Company: AO – American Income Division of Globe Life
Location: 100% Remote | United States
Schedule: Full-Time | Flexible
Experience: Entry-Level Welcome | Training & Mentorship Provided
Compensation: Commission-Based | Weekly Pay | Performance Incentives
Are you looking for a remote career where you can help people, build meaningful relationships, and create long-term professional and financial opportunities?
AO is seeking motivated, service-driven professionals to join our growing virtual team as Remote Member Protection Consultants.
You'll work with individuals and families—including veterans, labor union members, credit union members, association members, and their families—helping them understand available life, accident, and supplemental health insurance benefits and make informed decisions about protecting what matters most.
This opportunity combines member service, benefits education, relationship building, and consultative insurance sales in a fully remote environment.
No previous insurance experience is required. We provide comprehensive training, licensing guidance, mentorship, and ongoing professional development.
✔ 100% Remote / Work From Home
✔ Entry-Level Candidates Welcome
✔ Qualified Member Opportunities Provided
✔ No Traditional Cold Calling
✔ No Lead Purchasing Required
✔ Weekly Commission-Based Pay
✔ Performance Bonuses & Uncapped Earning Potential
✔ Renewal & Residual Income Opportunities
✔ Flexible Scheduling
✔ Training & One-on-One Mentorship
✔ Leadership & Career Advancement
AO operates within the American Income Division of Globe Life and has a long history of serving working families throughout North America.
Our representatives help individuals and families understand supplemental insurance products designed to provide additional financial protection.
Our culture emphasizes:
Exceptional member service
Integrity and professionalism
Long-term relationships
Personal accountability
Mentorship and coaching
Continuous professional development
Performance-based advancement
Leadership development
We're looking for professionals interested in building more than a temporary remote job—we're looking for people who want the opportunity to develop a long-term career.
As a Remote Member Protection Consultant, you'll:
Conduct scheduled virtual consultations through Zoom and phone
Connect with members seeking information about available benefits
Listen carefully to understand individual and family protection needs
Explain life, accident, and supplemental health insurance options
Answer questions about benefits, coverage, and policy features
Provide personalized, needs-based recommendations
Help members evaluate available options and make informed decisions
Guide eligible members through applications and enrollment
Assist with required documentation and account information
Maintain accurate digital client records
Your role doesn't end after enrollment.
You'll continue helping members with:
Policy reviews
Beneficiary updates
Coverage questions
Policy changes and account service requests
Claims-related guidance
Follow-up communication
Changes in family protection needs
Ongoing client support
The goal is to build long-term relationships based on trust, professionalism, education, and exceptional service.
Representatives receive access to member opportunities from individuals who have expressed interest in receiving information about available benefits.
This allows you to focus on:
Scheduled member conversations
Benefits education
Needs analysis
Personalized recommendations
Enrollment assistance
Relationship building
Policy service
Long-term member support
Representatives are not required to purchase leads.
Our approach emphasizes education, service, and trust rather than high-pressure sales tactics.
This is a performance-based, commission-driven insurance opportunity rather than a guaranteed hourly or salaried position.
Compensation opportunities may include:
Weekly commission payments
Performance-based bonuses
Renewal income
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.
Build your career virtually from anywhere within the United States.
Enjoy:
No daily commute
Flexible scheduling
Virtual member appointments
Digital business systems
Remote training and coaching
Collaborative team environment
Greater control over your work setting
Remote flexibility comes with responsibility. Successful representatives are organized, self-directed, dependable, and accountable for managing their schedules and results.
You don't need an insurance background to be considered.
Training and development may include:
Structured virtual onboarding
Insurance licensing guidance
Product and benefits education
Member needs assessment
Customer service development
Virtual presentation training
Consultative sales development
Application and enrollment procedures
Policy service training
Weekly coaching and workshops
One-on-one mentorship
Leadership development
Ongoing professional education
Candidates who aren't currently licensed receive guidance through the required state Life & Health Insurance licensing process.
This role can grow beyond individual client production.
Representatives who demonstrate strong performance, consistency, professionalism, and leadership ability may pursue opportunities in:
Advanced member responsibilities
Training and mentorship
Onboarding and development
Team leadership
Management development
Recruiting and team growth
Leadership conferences
Advanced leadership positions
Advancement is based on performance, initiative, professional development, consistency, and demonstrated leadership ability—not simply tenure.
Qualifying representatives may have access to:
Medical reimbursement program
Company-supported life insurance
Accidental Death Benefit coverage
Renewal and residual income opportunities
Professional development resources
Eligible representatives may receive representation and professional support through OPEIU Local 277, where applicable.
Top performers may qualify for:
Company-sponsored incentive travel
Leadership conventions
Professional conferences
Performance awards
Recognition programs
Team development events
Additional advancement opportunities
Eligibility, qualification periods, and performance requirements apply to applicable programs.
Successful candidates typically demonstrate:
Excellent verbal and written communication
Strong active-listening skills
Customer- and member-focused mindset
Strong interpersonal and relationship-building ability
Professionalism, integrity, and reliability
Self-motivation and personal accountability
Strong organization and time management
Problem-solving and critical-thinking abilities
Comfort working independently from home
Confidence communicating through Zoom and phone
Basic computer proficiency
Ability to learn new virtual systems
Coachability and openness to feedback
Goal-oriented mindset
Genuine desire to help families
Previous experience can be helpful—but is not required.
Transferable backgrounds may include:
Customer Service • Member Services • Sales • Financial Services • Banking • Healthcare • Recruiting • Hospitality • Retail • Education • Administrative Support • Account Management • Insurance • Business Development • Military Service • Leadership & Management
We place significant value on communication skills, professionalism, work ethic, coachability, and willingness to learn.
Applicants must:
Be at least 18 years of age
Be physically located within the United States
Be legally authorized to work in the United States
Hold or be willing and eligible to obtain the appropriate state Life & Health Insurance License
Have access to a computer or laptop
Have webcam and microphone capability
Maintain reliable high-speed internet
Maintain a quiet, professional workspace
Be comfortable conducting virtual member appointments
Be willing to complete required training and professional development
Licensing guidance is available for candidates who are not currently licensed.
Qualified applicants will first complete a brief career overview covering:
The Role • Responsibilities • Compensation • Licensing • Training • Member Process • Benefits • Career Advancement
Candidates interested in continuing will then have the opportunity to schedule a live Zoom interview with our hiring team.
This gives applicants the opportunity to understand the position and expectations before deciding whether the career is a strong fit.
If you're looking for a work-from-home insurance career where you can help protect working families, build lasting relationships, develop professionally, and create long-term earning potential through your performance, we'd like to hear from you.
No insurance experience? That's okay. Bring your communication skills, work ethic, and willingness to learn—we'll provide the training and mentorship.
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