Life - Sales Specialist

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

Benefits offered by this job

Annual cash bonus

Stock incentives

Hybrid work schedule (Mon-Thu onsite,

Remote Fridays

Job summary

The Cincinnati Insurance Companies in Fairfield, OH is seeking a Life Sales Specialist to guide agency partners and applicants through the life insurance sales and underwriting process. Utilizing warm leads, you will be the primary contact for prospective insureds, explaining coverage options and delivering a seamless customer experience.

Based at our Headquarters with a hybrid schedule (onsite Mon-Thu, remote Fri), the role offers a pay range of $50,000–$60,000 annually plus bonus and stock

Qualifications

• Excellent customer service and relationship-building skills.
• Strong verbal communication and presentation abilities.
• Sales aptitude with the ability to influence, educate, and guide customers.
• 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.

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 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.

Skills

Customer service

Relationship-building

Verbal communication

Presentation skills

Sales aptitude

Objection handling

Self-motivation

Independent work

Organization

Multitasking

Problem-solving

MS Office

Education

High school diploma

Associate or Bachelor's degree preferred

Life & Health license preferred

Tools

Microsoft Office

Job 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 that Actions 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 a