Life & Annuity Advisor

My Senior Health Plan; San Diego (CA); Hybrid; USD 60,000 - 110,000; Full time

Benefits offered by this job

Qualified leads provided

Flexible compensation options (W-2 or

1099 Independent Contractor

Marketing and operational support

CRM and technology tools

Professional development opportunities

Job summary

My Senior Health Plan seeks a Life & Annuity Advisor to work with seniors on personalized life insurance and retirement income strategies. You will educate clients on life insurance and annuities, design strategies for protection and retirement goals, and maintain strong client relationships.

We provide qualified leads and offer flexible employment options (W-2 or 1099) to align with your goals and compensation structure while supporting your growth in the retirement planning space.

Qualifications

• Active Life & Health Insurance License is required.
• Excellent communication and relationship-building skills.
• Ability to explain financial concepts clearly to clients.
• Self-motivated with a client-first mindset and professional conduct.

Responsibilities

• Meet with prospective and existing clients to assess protection and income needs.
• Educate clients on life insurance and annuity options and retirement solutions.
• Design customized strategies for family protection, wealth preservation, retirement income, and legacy goals.
• Conduct policy and retirement reviews with clients.
• Maintain strong relationships through exceptional service and follow-up.
• Collaborate with internal teams and partners; ensure compliance and CRM documentation.

Skills

Life & Health Insurance License

Strong communication

Relationship building

Consultative selling

Tools

CRM software

Job description

Help clients protect their future while building a rewarding career.

We are seeking a motivated and consultative Life & Annuity Advisor to join our growing team. In this role, you will work directly with seniors to develop personalized life insurance and retirement income strategies. Whether your expertise is in life insurance, annuities, retirement planning, or wealth preservation, you'll have the opportunity to make a meaningful impact while growing your book of business.

Unlike many organizations, we provide qualified leads, allowing you to spend more time helping clients and less time prospecting.

We offer both W-2 employee and 1099 independent contractor opportunities, providing flexibility to align with your career goals and preferred compensation structure.

What You'll Do

• Meet with prospective and existing clients to assess financial protection and retirement income needs.
• Educate clients on life insurance and annuity solutions, helping them make informed decisions.
• Design customized strategies for:
  • Family protection
  • Wealth preservation
  • Retirement income planning
  • Legacy and estate planning goals
• Conduct policy and retirement reviews with existing clients.
• Build and maintain strong client relationships through exceptional service.
• Collaborate with internal teams and strategic partners to support client needs.
• Maintain compliance with all carrier, state, and federal regulations.
• Document client interactions and recommendations in CRM systems.

Products You'll Work With

• Term Life Insurance
• Whole Life Insurance
• Universal Life Insurance
• Indexed Universal Life Insurance (IUL)
• Final Expense Insurance
• Fixed Annuities
• Fixed Indexed Annuities (FIA)
• Multi-Year Guaranteed Annuities (MYGA)
• Immediate and Deferred Income Annuities

What We're Looking For

Required Qualifications

• Active Life & Health Insurance License.
• Strong communication and relationship-building skills.
• Ability to effectively explain financial concepts and solutions.
• Self-motivated with a client-first mindset.
• High level of professionalism and ethical conduct.

Preferred Qualifications

• Experience in life insurance, annuity sales, retirement planning, Medicare, or financial services.
• Existing client relationships or referral network.
• Series 6, 63, 65, or 7 licenses.
• CFP®, CLU®, ChFC®, or other industry designations.

What We Offer

Qualified Leads Provided

We invest in our advisors by providing qualified opportunities to help you grow your business faster and focus on serving clients.

Flexible Career Paths

• W-2 Employee Opportunities
  • Base hourly rate plus incentives
  • Benefits eligibility
  • Marketing and operational support
• 1099 Independent Contractor Opportunities
  • Competitive commission structure
  • Flexible schedule
  • Entrepreneurial growth potential
  • Access to carrier and marketing resources

Additional Benefits

• Ongoing training and professional development
• Carrier and product education
• CRM and technology tools
• Marketing support
• Advancement opportunities
• Collaborative and growth-focused culture

Ideal Candidate

The ideal candidate is passionate about helping clients achieve financial confidence in retirement, thrives in a consultative sales environment, and values building long-term relationships based on trust and integrity.

If you're looking for a career where you can make a meaningful impact while benefiting from qualified leads, strong support, and flexible employment options, we'd love to hear from you.