Life Sales Agent

AAA Auto Club Enterprises; St. Louis (MO); On-site; USD 40,000 - 56,000; Full time

Benefits offered by this job

Health coverage for medical, dental, &

401(K) saving plans with company match

Pension

Tuition assistance

Floating holidays and PTO

Paid parental leave

Wellness programs

Employee discounts

Job summary

AAA Auto Club Enterprises seeks an Life Specialist Trainee in Missouri to learn life insurance sales through comprehensive needs assessments and clear policy explanations. You will support members with forms, build relationships with staff and members, and identify opportunities to cross-sell while meeting regulatory standards.

You will collaborate with ACE Life Operations and AAA Life, providing timely quotes and accurate documentation while developing a personal business plan with the Life

Qualifications

• Bachelor's degree preferred and state life insurance license requirements explained.
• 1-3 years insurance sales or sales experience preferred.
• Proficiency in Microsoft Word and Excel.
• Advanced interpersonal and communication skills are essential.

Responsibilities

• Market life insurance policies to members in a high-volume environment and assess needs.
• Develop relationships with sales partners and train staff on lead development.
• Identify cross-sell opportunities and provide policy quotes and assessments.
• Ensure all forms and paperwork meet industry and club regulations.
• Deliver service via in-person, phone, email, or correspondence and maintain documentation.
• Create a business plan with Life Sales Manager to meet goals and build relationships.
• Comply with ACE, AAA Life regulations and external rules.
• Coordinate with ACE Life Operations and AAA Life on underwriting and policy services.

Skills

Interpersonal skills

Competitive nature

Persistent

Education

Bachelor's degree preferred

Tools

Microsoft Word

Excel

Job description

Job Summary The Life Specialist Trainee role is an entry-level position for life insurance sales. They present and sell life insurance policies to both new and existing members. This entails conducting comprehensive needs assessments to fully grasp the financial aspirations and risk profiles of members. The Life Specialist provides members with transparent, easily understandable information about their policy choices, including the benefits and associated costs. They support members to ensure all necessary forms are filled out correctly, adhering to the stringent standards set by industry and club regulations. Life Specialists are recognized as authorities in the field, offering expert advice to members and branch partners, while also identifying opportunities for cross-selling and achieving business objectives.

Job Duties

• Market life insurance policies to potential and existing members in a high-volume, low-pressure sales setting. Conduct a comprehensive needs assessment to understand members' financial goals and risk tolerance. Provide clear and concise information on policy options, benefits, and costs. Help members complete the necessary paperwork and ensure all documents are accurate and comply with industry regulations.
• Develop robust working relationships with Property and Casualty Sales Partners, offering life sales support and training on lead development and identification to staff who interact with our members and insureds, whether in person or over the phone.
• Identify and develop potential sales lists from referrals and leads shared by Property and Casualty Sales Partners. Reach out promptly to all leads to address inquiries from members/insured individuals, such as providing policy quotes, assessing current coverages, conducting comprehensive needs assessments, and overseeing existing policies.
• Identify cross-sell opportunities based on members’ product needs and service requests. Enhance member relationships by diversifying use of products and services. Provide sales leads to insurance, travel and other departments as appropriate.
• Deliver legendary service by promptly and professionally addressing inquiries and resolving issues, while maintaining regular follow-up to ensure high satisfaction and retention. Provide service to Club members and insureds in person, by telephone, e-mail, fax, or through correspondence. Process insurance and membership changes for existing insurance policies and/or membership records. Compile and complete accurate documentation for all transactions.
• Develop individual business plan with input and involvement from the Life Sales Manager to meet goals and determine responsibilities, including new business life sales, quality standards, as well as building outstanding customer relationships. Review plan objectives and reassess strategies to align performance level to annual sales goals.
• Ensure compliance with ACE and AAA Life and regulations, as well as external regulations.
• Interact with staff from ACE Life Operations and AAA Life Insurance Company regarding underwriting and policy services issues.

Qualifications

• Bachelors Preferred
• 1-3 years Insurance Sales or Sales Experience Preferred
• Moderate proficiency in Microsoft Word and Excel.
• Advanced interpersonal skills required.
• Highly competitive and persistent nature strongly desired.
• Must maintain current knowledge of Life Insurance products and policy provisions.
• Life Insurance License, valid in selling state - Issued by State within 30 Days Required
• Valid Driver's License, acceptable Department of Motor Vehicles record and minimum liability insurance - Issued by State Required
• Must qualify, obtain, and maintain all applicable state licenses and appointments required for selling and/or servicing Auto Club Enterprises Membership and Life Insurance products within 30 Days Required
• Must maintain all continuing education requirements to maintain license within 30 Days Required

Travel Requirements

• Occasional travel to off-site business meetings or conferences. (5% proficiency)

Remarkable Benefits

• Health coverage for medical, dental, vision
• 401(K) saving plans with company match AND Pension
• Tuition assistance
• Floating holidays and PTO for community volunteer programs
• Paid parental leave
• Wellness programs
• Employee discounts (membership, insurance, travel, entertainment, services and more!)

Auto Club Enterprises is the largest club within the national AAA federation. We have nearly 17,000 employees in 24 states helping more than 18 million members. The strength of our organization is our employees. Bringing together and supporting different cultures, backgrounds, personalities, and strengths creates a team capable of delivering legendary, lifetime service to our members. When we embrace our diversity – we win. All of Us! With our national brand recognition, long-standing reputation since 1900, and constantly growing membership, we are seeking career-minded, service-driven professionals to join our team.

"Through dedicated employees we proudly deliver legendary service and beneficial products that provide members peace of mind and value."

AAA is an Equal Opportunity Employer

Our organization participates in E-Verify