Life Insurance Specialist - Macomb, MI

AAA-The Auto Club Group; Michigan; Hybrid; USD 28,500 - 100,000; Full time

Benefits offered by this job

Medical, dental, and vision benefits

401(k) match

Paid time off (PTO)

Tuition assistance

Job summary

AAA-The Auto Club Group is seeking a Field Life Agent responsible for soliciting and selling Life & Health insurance and Annuity products primarily within ACG branch locations. This full-time position requires a valid State Life Sales license and a minimum of 2 years’ experience in the field.

The ideal candidate will develop leads, prepare proposals, and work collaboratively with team members to achieve business goals. Competitive compensation includes an annual base pay of $28,500 with earnings potential of $75,000 – $100,000 through commissions, as well as various benefits.

Qualifications

• Minimum 2 years’ experience in life insurance sales.
• Ability to work with minimal supervision.
• Proficient writing and computer skills.

Responsibilities

• Sell Life & Health insurance and Annuity products.
• Develop leads through various marketing activities.
• Assist Underwriting and Brokerage Departments.

Skills

Sales skills

Communication

Customer relationship management

Mathematical calculations

Product knowledge (Life & Health Insurance)

Education

High School diploma or equivalent

Valid State Life Sales license

Job description

Field Life Agent Responsibilities

• Solicit and sell Life & Health insurance and Annuity products under minimal supervision primarily within ACG branch location.
• Thorough knowledge of various product features and marketing and sales techniques, achieve established sales goals.
• Develop leads and prospects for new accounts through various marketing activities (outbound/inbound phone calls, mailings, referrals, networking, website, seminars, etc.).
• Prepare proposals, and close sales of Life, Health, Annuity, Membership, and Financial Services products.
• Complete appropriate applications, forms and follow internal processing procedures to ensure transactions are handled in accordance with company policies and practices.
• Work collaboratively with others in the Branch to reach business goals, maximize leads, sales opportunities and take advantage of cross‑sell opportunities.
• Assist Underwriting and Brokerage Departments in satisfying requirements.
• Respond to customer inquiries and problems and ensure sound sales practices are used.
• Prepare reports documenting prospecting and sales activities, maintain specified production standards and persistency levels for all required products.

Qualifications

• Possession of valid State Life Sales licenses.
• Ability to take and pass LUTC or CLU coursework.
• Maintain Life and Health licenses required to sell products.
• Possession of a valid State driver’s license.
• Must qualify, obtain, and maintain all applicable state licenses and appointments required for selling and/or servicing Auto Club Group Membership products.
• High School diploma or equivalent.
• Minimum 2 years’ experience with a proven record of successfully soliciting and selling life insurance products.
• Experience selling intangible products.
• Strong working knowledge of Life Insurance and Annuity products and services.
• Ability to listen to and analyze customer needs and make recommendations to customers that best fit customers’ needs and to promote a positive Member experience.
• Effectively communicate complex information with prospective clients in a clear manner.
• Ability to prepare proposals and conduct closing interviews to sell Life and Annuity products.
• Assessing and reflecting customer insurance requirements consistent with company standards when writing policies.
• Ability to perform mathematical calculations to determine premiums and values of Life insurance and financial products.
• Ability to build and maintain strong relationships with customers.
• Prospecting and developing new sales opportunities and meeting production requirements.
• Ability to work collaboratively with all team members to attain business goals.
• Strong communication skills with others in the Branch to keep partners and branch management informed on sales and the disposition of any partner generated leads.
• Understands and can articulate to customers the tax and legal impacts the products have on Members.
• Strong organization, planning, time management, and administrative skills.
• Representing Auto Club Life in a professional and positive manner.
• Safely operating a motor vehicle to travel to various locations to attend meetings or community events.
• Proficient writing skills to compose routine correspondence.
• Working independently with minimal supervision.
• Good PC skills including working knowledge of word processing, spreadsheet, presentation, and email.

Pay Structure & Benefits

• Annual base pay $28,500 (non‑exempt, eligible for overtime).
• Unlimited leads at no cost.
• Elevated tiered commissions for the first 12 months.
• Average earnings $75,000 – $100,000 (base plus commissions).
• Annual sales incentive trip.
• Medical, dental, and vision benefits.
• 401(k) match.
• Paid parental leave and adoption assistance.
• Paid time off (PTO), company paid holidays, CEO days, and floating holidays.
• Paid volunteer day annually.
• Tuition assistance, professional certification reimbursement, and other professional development opportunities.
• AAA Membership.
• Discounts, perks, and rewards.

Employment Details

• Full‑time position.
• Hourly, non‑exempt.
• Location: Field (outside branch).

EEO Statement

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.

Additional Information

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

All applicants offered employment will be required to consent to a background and drug screen as required for the position.