Benefits Representative

AMBA; Santa Rosa (CA); On-site; USD 65,000 - 80,000; Full time

Benefits offered by this job

No income cap

Advanced payouts

Lifetime vesting

Travel incentives

Onboarding and mentorship

Job summary

AMBA in California is seeking an Insurance Benefits Representative (1099 Independent Contractor) who works on a self-managed, full-time schedule to drive enrollment and sales of supplemental insurance benefits to retirees affiliated with associations.

You will meet members virtually or in person, educate them through consultations and seminars, and leverage exclusive association endorsements to grow income via commissions, bonuses, and ongoing training.

Qualifications

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

Responsibilities

• 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.

Skills

Entrepreneurial mindset

Phone-based outreach

Communication skills

Relationship-building

Ethical, high-quality service

Education

Life and Health insurance license or willingness to obtain one

Job description

Insurance Benefits Representative (1099 Independent Contractor)

Location: California (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 California, AMBA is the exclusive endorsed provider for the California Retired Teachers Association and the Retired Public Employees Association of California, 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 in this role 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: You 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

This opportunity may be a strong fit if you have:

• 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