Remote Family Coverage Advisor | Weekly Pay
American Income Life Insurance Company
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Benefits offered by this job
Job summary
AO – American Income Division of Globe Life is seeking a Remote Family Coverage Advisor to help families understand available benefits and enroll in coverage through virtual meetings. This 100% remote, entry-level friendly role offers weekly pay on commission, flexible scheduling, comprehensive training, and mentorship.
No prior insurance experience is required, with licensing guidance provided. You’ll build client relationships, educate on life, health, and supplemental coverages, and guide
Qualifications
- Be at least 18 years old and legally eligible to work in the United States.
- Be physically located within the United States and have reliable tech setup for remote work.
- Willing to obtain the appropriate Life & Health Insurance license and complete training.
Responsibilities
- Meet with clients virtually to discuss available benefits and enrollment options.
- Understand client needs, explain coverage features clearly, and deliver personalized guidance.
- Educate clients on life, accident, and health insurance options and provide recommendations.
- Guide clients through applications, enrollment, and required documentation.
Skills
Job description
Company: AO – American Income Division of Globe Life
Work Arrangement: 100% Remote | U.S. Residents Only
Schedule: Flexible
Experience: Entry-Level Welcome | No Prior Insurance Experience Required
Compensation: Commission-Based | Weekly Pay | Performance Incentives
Are you looking for a career where you can help people, build meaningful relationships, work from home, and create professional growth through your own performance ?
AO is seeking motivated, people-focused professionals to join our growing virtual team as Virtual Client Solutions Advisors .
In this role, you'll meet with individuals and families who are seeking information about available benefits, help them understand their options, and provide personalized guidance designed around their financial protection needs.
This opportunity combines customer service, benefits education, client relationship management, and consultative insurance sales in a fully remote environment.
We provide comprehensive training, licensing guidance, mentorship, virtual tools, and ongoing professional development to help motivated candidates get started.
- 100% Work From Home
- Flexible Scheduling
- Qualified Client Opportunities Provided
- No Lead Purchasing Required
- No Traditional Cold Calling
- Weekly Commission-Based Pay
- Performance Bonuses + Renewal Income Opportunities
- Training & One-on-One Mentorship
- Performance-Based Leadership Advancement
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Meet with prospective and existing clients through scheduled Zoom and phone appointments.
You’ll:
- Connect with individuals and families interested in learning about available benefits
- Ask questions to understand each client's needs and priorities
- Listen carefully to financial protection concerns
- Answer questions clearly and professionally
- Deliver a personalized, client-focused experience
- Maintain consistent follow-up communication
- Build relationships designed to continue beyond the initial appointment
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Develop the knowledge necessary to help clients make informed decisions.
Responsibilities may include:
- Explain available life, accident, and supplemental health insurance options
- Review benefit features and available coverage
- Identify individual and family protection needs
- Provide needs-based recommendations
- Present information clearly and ethically
- Guide clients through applications and enrollment
- Assist with required documentation
- Help clients understand the coverage selected
- Provide ongoing client support when applicable
Our approach emphasizes education, service, integrity, and trust—not high-pressure sales tactics .
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Representatives connect with qualified client opportunities, including individuals who have expressed interest in receiving information about available benefits.
Rather than relying on traditional cold prospecting, you'll focus on:
- Scheduled consultations
- Benefits education
- Needs-based conversations
- Enrollment assistance
- Relationship building
- Follow-up
- Ongoing client service
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Build your career from home while remaining connected to clients, mentors, teammates, and leadership through a modern virtual environment.
You’ll benefit from:
- No daily commute
- Virtual client appointments
- Online training and coaching
- Remote team collaboration
- Digital business systems
- Flexible scheduling opportunities
Remote work also requires self-discipline, accountability, organization, and dependable follow-through .
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This is a commission-based independent contractor opportunity rather than an hourly or salaried position .
Compensation opportunities may include:
- Weekly commission payments
- Performance-based bonuses
- Renewal and residual income opportunities
- Leadership incentives
- Recognition programs
- Additional performance rewards
There is no predetermined cap on commission earnings; however, compensation is directly tied to individual activity, production, consistency, and results .
Individual earnings vary. No specific income level is guaranteed.
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Previous insurance experience is not required.
Training and professional development may include:
- Structured virtual onboarding
- Insurance product and benefits education
- Client needs assessment
- Customer-service development
- Consultative sales training
- Virtual presentation skills
- Application and enrollment procedures
- Business systems training
- Weekly coaching
- One-on-one mentorship
- Leadership development
- Ongoing professional education
We value communication skills, professionalism, work ethic, coachability, and willingness to learn .
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Because this position involves insurance products, representatives must obtain the appropriate state Life & Health Insurance License before conducting activities that require licensing .
Candidates who aren't currently licensed can still apply.
Licensing guidance and support are provided to candidates moving forward in the process.
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AO provides a performance-based development path for representatives interested in growing beyond an individual client-facing role.
Potential opportunities may include:
- Client Solutions Advisor → Mentor/Trainer → Team Leader → Management → Advanced Leadership
Professional development may expand into:
- Mentoring newer representatives
- Training and onboarding
- Coaching
- Team development
- Client relationship management
- Business development
- Leadership and management
Advancement is based on performance, consistency, initiative, professional development, and demonstrated leadership ability—not simply tenure .
Leadership opportunities are earned and are not guaranteed.
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Qualifying representatives may have access to:
- Medical reimbursement program
- Company-supported life insurance
- Accidental Death Benefit coverage
- Renewal and residual income opportunities
- Professional development resources
- Leadership development programs
- Modern virtual business systems and technology
Eligibility and qualification requirements may apply.
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Strong performance may qualify representatives for opportunities including:
- Company-sponsored incentive travel
- Leadership conferences
- Professional development events
- Recognition programs
- Performance contests and awards
- Team experiences
- Additional advancement opportunities
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Successful candidates typically demonstrate:
- Genuine interest in helping people
- Excellent verbal and written communication
- Strong relationship-building abilities
- Active listening and problem-solving skills
- Positive and professional attitude
- Integrity and client-focused decision-making
- Self-motivation and personal accountability
- Strong organization and time management
- Dependable follow-through
- Comfort working independently from home
- Ability to collaborate within a virtual team
- Basic computer proficiency
- Coachability and openness to feedback
- Adaptability and a growth-oriented mindset
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Previous insurance experience is not required .
Experience in these areas may transfer particularly well:
- Customer Service
- Hospitality
- Healthcare
- Retail
- Education
- Financial Services
- Banking
- Client Relations
- Account Management
- Administrative Support
- Call Centers
- Recruiting
- Military Service
- Sales
- Leadership
We welcome motivated professionals from a wide range of backgrounds.
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Applicants must:
- Be at least 18 years of age
- Be legally authorized to work in the United States
- Be physically located within the United States
- Have access to a reliable computer or laptop
- Maintain reliable high-speed internet
- Have webcam and microphone capability
- Maintain a quiet, professional workspace
- Be comfortable communicating with clients through Zoom and phone
- Be willing to participate in required training and professional development
- Be willing and able to obtain the appropriate state Life & Health Insurance License
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Qualified applicants will first complete a brief career overview covering:
- Position responsibilities
- Client-service expectations
- Commission-based compensation
- Licensing requirements
- Training and mentorship
- Benefits and incentives
- Career development opportunities
Candidates interested in continuing will then have the opportunity to schedule a live Zoom interview with our hiring team .
All interviews are conducted virtually for convenience and accessibility.
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If you're looking for a 100% remote opportunity where you can help families, build lasting client relationships, develop valuable professional skills, and create long-term earning and advancement opportunities through your performance , we'd like to hear from you.
This is a 100% remote, independent contractor opportunity with American Income Life / Globe Life. Compensation is commission-based and performance-driven; this is not an hourly or salaried position.
Candidates selected to move forward should be prepared to:
- Be at least 18 years of age and legally eligible to work in the United States
- Provide their own computer/laptop, webcam, reliable high-speed internet, and professional remote workspace
- Complete required training and participate in virtual meetings
- Obtain the appropriate state Life & Health Insurance License before conducting licensed insurance activities
- Complete applicable pre-licensing coursework, examinations, and state licensing requirements at the candidate’s expense
No prior insurance experience is required. Training, mentorship, licensing guidance, and ongoing professional development are provided.
This opportunity is best suited for individuals who are self-motivated, coachable, comfortable working independently, and interested in a performance-based career with opportunities for professional growth and advancement.
American Income Life / Globe Life is committed to providing equal opportunity without regard to race, color, religion, sex, national origin, age, disability, veteran status, or other characteristics protected by applicable law.
Specific licensing requirements, fees, compensation, and contractor terms may vary by state and will be reviewed with candidates during the hiring and onboarding process.
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