Insurance Sales Agent - St. Cloud, MN

acg; Saint Cloud (MN); On-site; USD 31,200 - 87,000; Full time

Benefits offered by this job

Performance-based incentives

Paid parental leave

Complimentary AAA Membership

Job summary

The Auto Club Group (ACG) is seeking an Insurance Sales Agent in Saint Cloud, Minnesota. This role offers a reliable base pay and significant performance incentives with a $2,500 signing bonus for new hires.

Join a trusted brand where you can build a stable sales career with full benefits including medical, dental, vision coverage, and a 401(k) match. No insurance background required, as comprehensive training will be provided.

Ideal candidates will possess strong sales and communication skills and a customer-first mindset.

Qualifications

• Active State Property & Casualty Insurance Sales license or the ability to obtain before hire.
• 1+ year(s) of customer-facing experience in a fast-paced business environment.

Responsibilities

• Own the sale and service of ACG-branded insurance products.
• Generate new business and retain existing clients.
• Drive performance by exceeding sales targets.
• Conduct comprehensive insurance reviews to assess risk.

Skills

Sales methodologies

Customer relationship management

Consultative selling techniques

Strong communication skills

Education

High School diploma or equivalent

Tools

CRM platforms

Microsoft Office applications

Job description

It’s a great time to join AAA The Auto Club Group!

JOIN THE TEAM COMMITTED TO DRIVING YOUR CAREER FORWARD

Job Type:

Full time

Exempt/Non Exempt:

Hourly

Job Description:

$2,500 Signing Bonus for new hires

To qualify for the Sign-On Bonus, applicants must be new to ACG (not applied in the last 180 days). There is a 1-year payback clause if your employment is terminated prior to completing 12 months of employment. Additional details can be provided by our Recruiting Team at the time of application.

AAA – The Auto Club Group

Full‑time | W‑2 | Base Pay + Incentives + Full Benefits

Looking to build a stable sales career with real benefits?

Join America’s most trusted brand with over 100 years of service as an Insurance Sales Agent - no insurance background required.

If you enjoy helping people, building relationships, and earning more through performance, we’ll provide the training, tools, and support to help you succeed.

Why This Role Works for Many Candidates

• Reliable base pay plus performance incentives—earn more as you grow
• Full benefits including medical, dental, vision, and a 401(k) match up to 6%
• Time off that matters, with paid holidays, PTO, floating holidays, and CEO days
• Family‑friendly benefits, including paid parental leave and adoption assistance
• Built‑in opportunities with walk‑in traffic from AAA’s established member base
• Paid training and ongoing support so you feel confident and set up for success

*You can build a rewarding sales career here without running your own business or relying only on commission—we provide stability, support, and room to grow.

Deeper Dive into Pay & Incentives

• Base pay plus performance‑based incentives, allowing high performers to significantly increase overall earnings.
• Base Pay $31,200 + unlimited commissions on Property and Casualty, Life Insurance Referrals, AAA Memberships, and Credit Card sales
• Average annual earnings range: $57,000–$87,000+, based on performance and sales results.
• Supplemental ramp‑up pay, paid monthly, to support productivity during the first six months:
  • Additional $200 per week during months 0–2
  • Additional $150 per week during months 3–4
  • Additional $100 per week during months 5–6
• Elevated incentive payout structure during the first 15 months to accelerate early earnings.
• New Hire On‑Pace Bonus tied to performance milestones.
• Non‑exempt position with eligibility for overtime pay.

*This is not commission‑only—you’ll have steady pay plus upside.

Additional Benefits Include

• Medical, dental, and vision coverage
• 401(k) with company match up to 6%
• Paid parental leave and adoption assistance
• Paid Time Off (PTO)
• Company paid holidays, CEO days, and floating holidays
• Company‑sponsored Bachelor’s, Master’s, and Ph.D. Degree Programs
• Tuition reimbursement
• Career growth opportunities: Life & Annuity Specialist, Travel Agent, Performance Coach, Assistant Retail Sales Leader, Retail Sales Leader, and Membership Development Specialist.
• Paid volunteer day annually
• Complimentary AAA Membership
• Employee discounts, perks, and rewards

What You’ll Do

• Own the sale and ongoing service of ACG‑branded and brokered insurance products, memberships, and financial products within a high‑traffic ACG branch.
• Leverage proven sales methodologies and insurance expertise to uncover customer needs, generate new business, retain existing clients, and grow ACG’s insurance portfolio.
• Consistently overcome objections, negotiate effectively, and close sales while maintaining long‑term client relationships.
• Drive performance by meeting and exceeding individual sales targets and incentive plan expectations aligned with branch and company goals.
• Conduct comprehensive insurance reviews to assess risk, identify coverage gaps, and recommend appropriate solutions; quote, bind, and issue policies in accordance with underwriting guidelines and regulatory requirements.
• Actively engage in local branch and community events to prospect, expand referral networks, and develop new business opportunities.
• Build and maintain strong rapport with members and clients to ensure high customer satisfaction, loyalty, and trust in the AAA brand.
• Respond to customer inquiries with a high level of professionalism and urgency across insurance, membership, and financial products.
• Identify and execute cross‑sell and referral opportunities into Travel and Financial Services lines of business to maximize overall member value.

Who Succeeds in This Role

Required Qualifications:

• Active State Property & Casualty Insurance Sales license or the ability to obtain before hire
• Active State Life and Health Insurance Sales license, or obtain within 60 days of hire
• Must qualify, obtain, and maintain all applicable state licenses and appointments required for selling and/or servicing Auto Club Group Membership products.

Education

• High School diploma or equivalent

Work experience

• 1+ year(s) of customer-facing experience in a fast‑paced computer automated business environment (i.e., financial/banking)
• Insurance experience is helpful—but not required
• We provide training to help you get licensed and confident in the role

You’ll Excel If You Have

• Demonstrated ability to develop, manage, and close sales opportunities, including disciplined lead tracking, follow‑up, and pipeline management.
• Apply consultative selling techniques supported by deep product knowledge to deliver tailored solutions and drive customer value.
• Proven prospecting and business‑development skills, including generating new opportunities through referrals, outbound activity, and networking.
• Excellent verbal and written communication skills with a strong customer‑first mindset and confidence in guiding sales conversations.
• Results‑driven with clear ambition, motivation, and accountability for achieving and exceeding performance goals.
• Proficient in leveraging technology to support sales execution, including CRM platforms and Microsoft Office applications.
• Strong listening and discovery skills with the ability to quickly assess customer needs, identify coverage gaps, and recommend appropriate solutions.

Work Schedule & Environment

• Schedule: Monday – Friday 8:30 AM – 5:30 PM
• 40 hours per week, scheduled one hour for lunch
• Work in a temperature‑controlled AAA branch location
• Occasional travel to branch or community events

The Auto Club Group, and all its affiliated companies, is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, sexual orientation, national origin, disability or protected veteran status.

Regular and reliable attendance is essential for the function of this job.

AAA The Auto Club Group is committed to providing a safe workplace. Every applicant offered employment within The Auto Club Group will be required to consent to a background and drug screen based on the requirements of the position.