Benefits Representative

AMBA; Torrance (CA); Remote; USD 65,000 - 90,000; Full time

Benefits offered by this job

Performance-based commissions

Monthly bonuses and travel incentives

Ongoing training and mentorship

Job summary

A leading insurance organization is seeking an Insurance Benefits Representative to serve retirees by offering supplemental insurance solutions. This role allows for entrepreneurial independence with performance-based commissions and the opportunity to earn between $65,000 to $90,000 in the first year. Candidates should possess strong communication skills and a commitment to ethical service. Responsibilities include client assessments, education through various formats, and ongoing professional development. Apply to join a mission-driven team focused on helping retirees achieve financial security.

Qualifications

• Ability to manage own schedule and activities.
• Comfortable with phone-based outreach and virtual appointments.
• Motivation to grow income through performance-based compensation.

Responsibilities

• Meet with association members to assess their needs.
• Educate clients through consultations and presentations.
• Utilize a consultative sales approach to provide insurance solutions.
• Participate in trainings and mentorship.

Skills

Entrepreneurial mindset

Strong communication skills

Relationship-building skills

Ethical service commitment

Education

Life and Health insurance license

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

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.

Ready to Take the Next Step

Apply today to explore a partnership with AMBA and build a purpose-driven insurance business serving retirees who rely on trusted guidance.