Life - Sales Specialist

Cincinnati Insurance Company; Fairfield (OH); Hybrid; USD 50,000 - 60,000; Full time

Job summary

Cincinnati Insurance Company seeks a Life Sales Specialist to support agency partners and applicants through the life insurance sales and underwriting process. You will guide clients from lead to policy placement with a focus on excellent service and clear communication.

You will work with agents, underwriting, and internal teams in a hybrid role based in Fairfield, OH, delivering strong customer experiences and driving sales growth.

Qualifications

• Be ready to conduct consultative sales conversations with prospective insureds to assess needs and recommend life insurance solutions.
• Contact warm leads promptly and manage opportunities through the application and underwriting process.
• Explain coverage options, policy features, underwriting requirements, and rates in a clear and professional manner.
• Deliver a high level of customer service while building trust and rapport with clients and agents.
• Handle challenging customer conversations, including underwriting decisions, ratings, and declines.
• Identify opportunities to increase policy value through appropriate coverage recommendations.
• Maintain detailed case documentation and manage multiple cases simultaneously in a fast-paced environment.
• Build and maintain strong relationships with agency partners and internal stakeholders.
• Continuously develop product knowledge, sales skills, and industry expertise.

Responsibilities

• Conduct consultative sales conversations with prospective insureds to assess needs and recommend life insurance solutions.
• Contact warm leads promptly and manage opportunities through the application and underwriting process.
• Complete and submit life insurance applications while obtaining required signatures and documentation.
• Explain coverage options, policy features, underwriting requirements, and rates in a clear and professional manner.
• Deliver a high level of customer service while building trust and rapport with clients and agents.
• Handle challenging customer conversations, including underwriting decisions, ratings, and declines.
• Identify opportunities to increase policy value through appropriate coverage recommendations.
• Serve as the primary contact for applicants, keeping them informed throughout the sales and underwriting process.
• Partner with agents, field representatives, underwriting, and operations teams to facilitate policy placement.
• Maintain detailed case documentation and manage multiple cases simultaneously in a fast-paced environment.
• Build and maintain strong relationships with agency partners and internal stakeholders.
• Continuously develop product knowledge, sales skills, and industry expertise.

Skills

Customer service

Relationship-building

Verbal communication

Sales aptitude

Independent work

Organization

Multitasking

Problem-solving

Education

High school diploma

Associate or bachelor’s degree preferred

Active Life & Health license preferred; obtain within 90 days of hire

Tools

Microsoft Office

Job description

MAKE A DIFFERENCE Share your talents and develop your skills as you build a career in a professional environment with a personal feel.

Description

Make a difference with a career in insurance

At The Cincinnati Insurance Companies, we put people first and apply the Golden Rule to our daily operations. To put this into action, we’re looking for extraordinary people to join our talented team. Our service-oriented, ethical, knowledgeable, caring associates are the heart of our vision to be the best company serving independent agents. We help protect families and businesses as they work to prevent or recover from a loss. Share your talents to help us reach for continued success as we bring value to the communities we serve and demonstrate thatActions Speak Louder in Person®.

If you’re ready to build productive relationships, collaborate within a diverse team, embrace challenges, and develop your skills, then Cincinnati may be the place for you. We offer career opportunities where you can contribute and grow.

Build your future with us

Our Life Sales Field department is seeking a Life Sales Specialist to support agency partners and applicants throughout the life insurance sales and underwriting process. Utilizing warm leads provided through our agency network, this role serves as the primary point of contact for prospective insureds, guiding clients through the application process, answering coverage questions, and delivering a seamless customer experience. The Life Sales Specialist partners closely with agents, field representatives, underwriting, and internal business partners to facilitate policy placement, support sales growth, and drive customer satisfaction. Strong relationship-building, consultative communication, and customer service skills are essential to success in this role.

This position is based at our Headquarters in Fairfield, Ohio and follows a hybrid schedule, typically onsite Monday through Thursday and remote on Fridays.

The pay range for this position is $50,000 - $60,000 annually. The pay determination is based on the applicant's education, experience, location, knowledge, skills, and abilities. Eligible associates may also receive an annual cash bonus and stock incentives based on company and individual performance.

Be ready to:

• conduct consultative sales conversations with prospective insureds to assess needs and recommend life insurance solutions
• contact warm leads promptly and manage opportunities through the application and underwriting process
• complete and submit life insurance applications while obtaining required signatures and documentation
• explain coverage options, policy features, underwriting requirements, and rates in a clear and professional manner
• deliver a high level of customer service while building trust and rapport with clients and agents
• handle challenging customer conversations, including underwriting decisions, ratings, and declines
• identify opportunities to increase policy value through appropriate coverage recommendations
• serve as the primary point of contact for applicants, keeping them informed throughout the sales and underwriting process
• partner with agents, field representatives, underwriting, and operations teams to facilitate policy placement
• maintain detailed case documentation and manage multiple cases simultaneously in a fast-paced environment
• build and maintain strong relationships with agency partners and internal stakeholders
• continuously develop product knowledge, sales skills, and industry expertise

Be equipped with:

• excellent customer service and relationship-building skills
• strong verbal communication, phone presence, and presentation abilities
• sales aptitude with the ability to influence, educate, and guide customers through purchasing decisions
• ability to confidently handle difficult conversations and overcome objections
• self-motivated with strong initiative and the ability to work independently
• strong organizational, multitasking, and problem-solving skills
• proficiency with Microsoft Office and the ability to learn new technology platforms

Bring education and experience from:

• customer service, hospitality, retail, restaurant, sales, financial services, insurance, or other relationship-focused experience
• previous sales or consultative selling experience (preferred)
• Life insurance or insurance industry experience (preferred)
• active Life & Health license preferred; must obtain within 90 days of hire
• high school diploma (required); associate or bachelor’s degree (preferred)

Enhance your talents

Providing outstanding service and developing strong relationships with our independent agents are hallmarks of our company. Whether you have experience from another carrier or you’re new to the insurance industry, we promote a lifelong learning approach. Cincinnati provides you with the tools and training to be successful and to become a trusted, respected insurance professional - all while enjoying a meaningful career.

Enjoy benefits and amenities

Your commitment to providing strong service, sharing best practices and creating solutions that impact lives is appreciated. To increase the well-being and satisfaction of our associates, we offer a variety of benefits and amenities .

Embrace a diverse team

As a relationship-based organization, we welcome and value a diverse workforce. We grant equal employment opportunity to all qualified persons without regard to race; creed; color; sex, including sexual orientation , gender identity and transgender status ; religion; national origin; age; disability; military service; veteran status; pregnancy; AIDS/HIV or genetic information; or any other basis prohibited by law. All job applicants have rights under Federal Employment Laws. Please review this information to learn more about those rights.