Company: AO Globe Life – American Income Division
Location: 100% Remote
Schedule: Flexible | Full-Time Opportunity
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
Are you looking for a work-from-home opportunity that combines customer service, meaningful conversations, professional growth, and the flexibility to organize your own schedule?
Do you enjoy helping people understand their options, answering questions, and building positive relationships?
AO Globe Life is seeking motivated, service-oriented individuals to join our growing virtual team as Remote Benefits Enrollment Associates .
In this role, you'll help working families, veterans, labor union members, credit union members, and other eligible clients understand available life, accident, and supplemental health insurance products.
Through virtual Zoom and phone consultations, you'll learn about clients' needs, explain insurance coverage options, recommend suitable solutions once appropriately licensed, assist with electronic enrollment, and provide continued client support.
This opportunity combines customer service, benefits education, relationship management, and consultative insurance sales .
No previous insurance experience is required to apply.
We provide virtual training, licensing guidance, ongoing mentorship, and professional-development resources.
Conduct client consultations, participate in virtual training, and communicate with your team from your home workspace.
Previous insurance experience is not required. Applicants from a wide range of professional backgrounds are welcome.
Connect with prospective clients through company-provided leads without purchasing leads or conducting door-to-door prospecting.
Organize your professional activities around client appointments, follow-up, training, and personal responsibilities.
Earn commissions on eligible completed business, with opportunities for performance bonuses and qualifying renewal income.
Build valuable skills and potentially qualify for additional mentoring, coaching, or leadership responsibilities based on performance.
You'll work with individuals and families interested in understanding available insurance benefits.
Responsibilities include:
Contact company-provided prospective clients.
Schedule and conduct Zoom and phone appointments.
Listen carefully to individual and family protection needs.
Explain the benefit consultation process.
Build professional client relationships.
Answer general questions clearly and respectfully.
Maintain accurate appointment information.
Provide consistent communication and follow-up.
Once appropriately licensed, you'll:
Explain available life insurance products.
Review accident and supplemental health insurance options.
Conduct needs-based benefit consultations.
Help clients understand coverage features and choices.
Recommend suitable insurance solutions.
Answer questions about applications and enrollment.
Assist eligible clients with electronic applications.
Complete required documentation.
Follow applicable state insurance regulations and company procedures.
Your responsibilities may also include:
Follow up with clients after enrollment.
Respond to general policy-service questions.
Assist with applicable policy reviews.
Help clients navigate beneficiary update requests.
Direct clients to appropriate claims-support resources.
Maintain accurate digital client records.
Build lasting relationships through dependable service.
Important: This is a client-facing insurance sales and service position, not an hourly administrative or inbound-only customer-service role.
Representatives receive access to company-provided prospective client opportunities.
Your responsibilities include contacting interested individuals, arranging appointments, conducting benefit consultations, and providing follow-up.
The typical client process is:
Connect → Listen → Educate → Recommend → Enroll → Support
There is no requirement to purchase leads.
Outbound calls and appointment follow-up are part of the position.
Traditional random cold calling and door-to-door prospecting are not required.
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 benefits package.
Potential compensation opportunities include:
Weekly commissions on eligible completed business.
Performance-based bonuses.
Renewal and residual income opportunities.
Additional achievement incentives.
Qualifying leadership-related compensation.
Individual earnings depend on completed business, production, qualifications, and results.
Income is not guaranteed, and individual earnings vary.
Applicants should understand and be comfortable with the commission-only compensation structure before applying.
Previous insurance experience is not required.
Training and development may include:
Insurance product fundamentals.
State licensing preparation guidance.
Client needs assessments.
Professional communication.
Consultative insurance sales.
Virtual benefit presentations.
Electronic enrollment systems.
Client relationship management.
Customer-service follow-up.
Compliance expectations.
Time management and organization.
Professional coaching.
Leadership development.
Ongoing mentorship and coaching are available.
Training is provided at no cost but is not hourly compensated.
You do not need an insurance license to submit an application.
However, the appropriate state Life & Health Insurance License is required before conducting activities that require insurance licensure .
Licensing guidance and preparation support are available.
Candidates are responsible for applicable 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.
You'll need:
A dependable desktop or laptop computer.
Reliable high-speed internet.
Webcam and microphone capability.
Phone access.
A quiet, professional workspace.
Basic computer proficiency.
Comfort learning Zoom and web-based systems.
The company provides access to designated digital presentation and electronic enrollment tools.
Personal computer equipment and home internet service are not provided or reimbursed.
Qualifying representatives may have access to:
Medical insurance reimbursement opportunities.
Company-supported life insurance.
Accidental Death Benefit coverage.
Renewal and residual income opportunities.
Professional mentorship.
Leadership-development programs.
Union representation where applicable.
Digital business tools.
Performance recognition programs.
Medical reimbursement is not traditional employer-sponsored health insurance.
Eligibility, production, and qualification requirements apply.
Qualifying representatives may have opportunities to participate in:
Performance bonuses.
Achievement recognition.
Company-sponsored incentive travel.
Leadership conferences.
Professional-development events.
Team recognition programs.
These opportunities are performance-based and are not guaranteed.
We're interested in individuals who demonstrate:
Friendly, professional communication.
Strong listening and relationship-building skills.
Customer-focused thinking.
Dependability and accountability.
A positive attitude and willingness to learn.
Strong organization and time management.
Comfort working independently.
Ability to collaborate with a virtual team.
Basic computer proficiency.
Motivation to work toward performance goals.
Coachability and openness to feedback.
Experience in customer service, retail, hospitality, healthcare, banking, education, administration, military service, call centers, client relations, or sales may be helpful but is not required.
Applicants must:
Be at least 18 years old.
Reside within an eligible U.S. location.
Be legally authorized to work in the United States.
Have access to a dependable computer or laptop.
Maintain reliable high-speed internet.
Have webcam and microphone capability.
Maintain a professional home workspace.
Be comfortable conducting Zoom and phone appointments.
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.
Meet applicable licensing and background requirements.
Qualified representatives may pursue opportunities involving:
Senior client benefits services.
Training and mentoring.
Team coaching.
Recruiting and onboarding.
Team leadership.
Sales management.
Advanced leadership development.
Advancement depends on performance, qualifications, professional development, and available opportunities.
Leadership advancement is not guaranteed.
AO operates within the American Income Division of Globe Life, helping working families understand available life, accident, and supplemental health insurance benefits.
Our virtual business model combines client service, consultative insurance sales, professional mentorship, and performance-based development.
We value integrity, accountability, professionalism, teamwork, and continued learning.
Our Mission: Protect Every Child. Serve All Working People.
Qualified applicants will first receive an approximately 15-minute career overview explaining the opportunity, compensation structure, licensing requirements, training, client process, and professional-development opportunities.
Interested candidates may then participate in a live Zoom interview with our hiring team.
If you're motivated to help families, develop valuable professional skills, and explore a flexible career combining customer service and insurance sales, we'd like to hear from you.
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 Enrollment Associate opportunity with AO Globe Life.
Work From Home. Help Families. Build Relationships. Create 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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