Remote Customer Benefits Specialist
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Job summary
Globe Life AO – American Income Division is hiring remotely for a Remote Customer Benefits Specialist. You will connect with working families via Zoom and phone, explain life, accident, and health insurance options, and guide clients through enrollment after licensing.
Training, mentorship, and ongoing development are provided in a flexible, work-from-home model. Ideal for an entry-level candidate, this 100% remote role offers commission-based pay, weekly pay, and performance bonuses.
Qualifications
- Must be physically located within the United States.
- Willing to operate as a 1099 independent contractor with commission-based pay.
- Must have reliable computer, high-speed internet, webcam and microphone.
Responsibilities
- Connect with company-provided leads and existing clients.
- Schedule and conduct virtual Zoom and phone appointments.
- Ask questions to understand client needs and goals.
- Build professional relationships through clear, responsive communication.
- Explain available benefits and coverage options to clients.
- Assist with enrollment once licensed and provide ongoing client support.
Skills
Tools
Job description
Company: Globe Life AO – American Income Division
Location: 100% Remote
Work Arrangement: Work From Home | U.S. Applicants Only
Schedule: Flexible | Full-Time Availability Preferred
Job Type: 1099 Independent Contractor
Compensation: Commission Only | Weekly Pay | Performance Bonuses
Experience: Entry Level | No Previous Insurance Experience Required
Training: Comprehensive Virtual Training | Licensing Guidance | Ongoing Mentorship
Are you looking for an entry-level work-from-home career where you can develop valuable professional skills, build meaningful relationships, and help working families understand their insurance benefits?
Globe Life AO is seeking motivated, service-oriented individuals to join our virtual team as Remote Customer Benefits Specialists.
In this position, you'll connect with working families, union members, veterans, and eligible association members through Zoom and phone consultations. You'll help clients understand available life, accident, and supplemental health insurance benefits, answer questions, identify coverage needs, and assist with electronic enrollment once appropriately licensed.
This opportunity combines customer service, client relationship management, benefits education, and consultative insurance sales.
No previous insurance experience is required. We provide structured training, licensing guidance, mentorship, and ongoing professional development.
100% Remote — Work From Home
Entry Level — No Insurance Experience Required
Company-Provided Client Opportunities
No Traditional Cold Calling
No Door-to-Door Prospecting
No Lead Purchasing Required
Weekly Commission-Based Compensation
Performance Bonuses
Renewal & Residual Income Opportunities
Flexible Scheduling
Comprehensive Training & Mentorship
Career & Leadership Development
As a Remote Customer Benefits Specialist, you'll help prospective and existing clients understand their available insurance options while providing professional service throughout the client relationship.
Connect with company-provided leads and existing clients.
Schedule and conduct virtual Zoom and phone appointments.
Ask questions to understand client needs, priorities, and financial-protection goals.
Build professional relationships through clear, responsive communication.
Answer questions about available benefits and coverage options.
Follow up with prospective and existing clients.
Maintain accurate digital client records and appointment information.
Provide ongoing customer service and applicable policy reviews.
Assist with beneficiary information and applicable policy service requests.
Explain available life, accident, and supplemental health insurance coverage.
Educate clients about policy features, benefits, and enrollment options.
Provide needs-based recommendations once appropriately licensed.
Assist eligible clients with electronic applications and enrollment.
Review application information for completeness.
Explain applicable next steps after enrollment.
Follow company procedures and state insurance requirements.
Participate in structured virtual onboarding.
Attend applicable team meetings, training, and coaching sessions.
Develop professional communication and presentation skills.
Learn digital enrollment and client-management systems.
Receive mentorship from experienced representatives and agency leadership.
Work toward individual production and professional-development goals.
This is a client-facing insurance sales and service position—not an hourly administrative or inbound-only customer-service role.
Your daily responsibilities may include:
Client Outreach: Contact interested individuals, respond to inquiries, confirm appointments, and conduct follow-up.
Virtual Consultations: Meet with clients through Zoom or phone to discuss their needs and available benefits.
Benefits Education: Explain insurance products and coverage options clearly and professionally.
Enrollment Assistance: Once licensed, help eligible clients complete electronic applications and required documentation.
Client Support: Answer policy questions, assist with applicable coverage reviews, and maintain client relationships.
Training & Coaching: Participate in virtual product education, professional-development sessions, and mentorship.
Independent Organization: Manage appointments, digital records, follow-up, and daily business activity from your home office.
Representatives receive access to company-provided client opportunities, including individuals and families who have requested or expressed interest in receiving benefit information.
No lead purchasing is required.
The position may involve outbound calls, appointment scheduling, and client follow-up.
No traditional random cold calling, door-to-door prospecting, or in-person client meetings are required.
Our approach emphasizes client education, appropriate recommendations, enrollment assistance, and ongoing service.
Important Compensation Disclosure
This opportunity is structured as a 1099 independent contractor position with 100% commission-based compensation.
It does not provide an hourly wage, guaranteed base salary, or traditional W-2 employee benefits.
Compensation opportunities may include:
Weekly commissions on eligible completed business
Performance-based bonuses
Renewal and residual income opportunities
Leadership compensation for qualifying representatives
Additional recognition and incentive programs
Individual earnings depend on completed business, productivity, consistency, and performance.
No specific income is guaranteed. Individual earnings vary.
Applicants should understand and be comfortable with the commission-only compensation structure before applying.
Client appointments, training, coaching, applications, and team communication are conducted virtually.
Representatives use technology such as:
Zoom
Phone and email
Digital presentation systems
Electronic enrollment platforms
Client-management tools
Online training resources
Applicants must provide:
Reliable desktop or laptop computer
High-speed internet connection
Webcam and microphone
Dependable phone capability
Quiet, professional workspace
Basic computer proficiency
Computer equipment and home internet service are not provided by the company.
This opportunity is available to eligible applicants physically located within the United States.
Representatives have flexibility in organizing their schedules while maintaining consistent activity for:
Client consultations
Appointment scheduling
Client follow-up
Training
Team communication
Professional development
Production goals
Successful representatives are self-motivated, dependable, organized, and comfortable managing their own schedules.
Required Insurance Experience: 0 Years
Previous insurance experience is not required.
Training and professional development may include:
Structured virtual onboarding
State insurance licensing guidance
Product and benefits education
Customer-service development
Client communication and relationship management
Consultative sales techniques
Virtual presentation skills
Electronic enrollment procedures
Digital documentation
One-on-one mentorship
Ongoing coaching
Leadership development
Training is provided at no cost but is not hourly compensated.
An insurance license is not required when applying.
However, representatives must obtain the appropriate state Life & Health Insurance License before performing activities requiring licensure.
Licensing guidance is provided.
Candidates are responsible for applicable licensing expenses, including study materials, examinations, background screening, fingerprinting, and state fees.
Applicants should be willing and financially prepared to complete the required licensing process.
Eligible representatives may have access to:
Medical insurance reimbursement opportunities
Company-supported life insurance
Accidental Death Benefit coverage
Renewal and residual income opportunities
Professional coaching and mentorship
Leadership-development programs
OPEIU Local 277 representation where applicable
Virtual business resources
Performance recognition and incentive travel
Eligibility, qualification periods, production requirements, and other conditions may apply.
Representatives who demonstrate strong results, professionalism, consistency, and leadership potential may pursue additional responsibilities.
A potential career-development path includes:
Customer Benefits Specialist → Senior Benefits Advisor → Trainer/Mentor → Team Leader → Sales Management → Advanced Leadership
Future responsibilities may include:
Training and mentoring newer representatives
Coaching
Recruiting
Team development
Performance accountability
Leadership
Management advancement is performance-based and is not guaranteed.
Applicants must:
Be at least 18 years old.
Be physically located within an eligible U.S. location.
Be legally authorized to work in the United States.
Have a reliable computer or laptop.
Maintain dependable high-speed internet.
Have webcam and microphone capability.
Maintain a quiet, professional home workspace.
Be comfortable communicating through Zoom and phone.
Demonstrate strong communication and interpersonal skills.
Be professional, dependable, and self-motivated.
Be able to work independently and manage a flexible schedule.
Be comfortable with consultative insurance sales.
Understand the commission-only compensation structure.
Be willing to complete applicable training.
Hold or be willing and able to obtain the required state Life & Health Insurance License.
Be able to complete applicable state licensing and background requirements.
Previous experience in any of the following may be helpful:
Customer Service
Client Relations
Account Management
Insurance
Sales
Retail
Hospitality
Healthcare
Financial Services
Call Centers
Leadership
Coaching
Team Development
No college degree or previous insurance experience is required.
We value individuals who are coachable, organized, goal
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