Remote Life Insurance Sales Representative

AYS Group; Richmond (VA); Remote; USD 60,000 - 120,000; Full time

Job summary

AYS Group is seeking motivated individuals to join our remote life insurance sales team as independent contractors. You will contact warm leads by phone, educate clients on coverage options, and guide them through the application process.

Training, mentorship, and ongoing support are provided to help you succeed in a performance-based, remote telesales role. This opportunity is Commission Only and 1099, with earnings entirely based on sales performance.

Qualifications

• No prior insurance experience required.
• Position is remote and phone-based with warm leads.
• 1099 independent contractor with commission-only compensation.
• Training and mentorship provided to learn the insurance sales process.

Responsibilities

• Contact warm leads expressed interest in life insurance.
• Conduct client appointments remotely by phone.
• Assess client needs, explain coverage options, and tailor recommendations.
• Help clients complete insurance applications electronically.
• Follow up with prospects through the sales and application process.
• Maintain accurate client records and participate in ongoing training.

Skills

Phone communication

Self-motivated

Coachable

Goal oriented

Professional

Dependable

Structured sales process

Phone prospecting

Virtual training

Remote work

Job description

Job Type: Independent Contractor (1099)
Work Location: Remote
Sales Format: Phone / Telesales
Compensation: Commission Only
Experience Required: None
Insurance License Required to Apply: No

We are seeking motivated, coachable individuals to join our team as Remote Life Insurance Sales Representatives.

No previous insurance experience is required, and you do not need to currently hold an insurance license to apply.

This is a fully remote, phone-based sales opportunity working with warm leads-individuals who have expressed interest in receiving information about life insurance coverage.

Representatives connect with prospective clients by phone, learn about their insurance needs, explain available coverage options, and help qualified clients through the application process.

Training, mentorship, and ongoing support are provided to help new representatives learn the insurance industry and develop the skills needed to succeed in a telesales environment.

What You'll Do

• Contact warm leads who have expressed interest in life insurance information
• Conduct client appointments remotely by phone
• Ask questions to understand each client's insurance needs, goals, and budget
• Educate prospective clients about available life insurance options
• Help clients identify coverage based on their individual needs
• Complete and submit insurance applications electronically
• Follow up with prospective clients throughout the sales and application process
• Maintain accurate client information
• Participate in virtual sales, product, and team training
• Develop strong phone communication, follow-up, and sales skills

Warm Lead Sales Model

Our sales process focuses on working with warm leads rather than traditional cold calling.

Prospective clients have previously expressed interest in receiving information about life insurance. Your role is to follow up with these individuals, determine their needs, present available options, and help qualified clients complete the application process.

Warm leads do not guarantee a sale or commission.

Individual results depend on sales activity, follow-up, performance, and other factors.

No Insurance Experience? That's Okay.

We are open to individuals who are completely new to insurance and sales.

You may be a good fit if you are:

• Comfortable communicating with people over the phone
• Self-motivated and able to work independently
• Coachable and willing to learn
• Goal-oriented and consistent
• Professional and dependable
• Comfortable working in a performance-based sales environment
• Able to follow a structured sales process
• Comfortable with phone-based prospecting and follow-up
• Able to participate in virtual training and team meetings
• Willing to obtain the appropriate insurance license

Previous experience in sales, customer service, call centers, hospitality, retail, recruiting, real estate, automotive sales, or other customer-facing positions may be helpful, but is not required.

Training & Support

New representatives receive:

• Initial sales and product training
• Phone and telesales training
• Guidance through the insurance licensing process
• Ongoing coaching and mentorship
• Virtual team training and support
• Continued sales and product education

Licensing Requirements

An insurance license is not required to apply or interview.

Before conducting insurance sales, representatives must obtain and maintain the appropriate insurance license for the state or states in which they conduct insurance business.

Licensing requirements vary by state. Candidates will receive guidance regarding the licensing process and the steps required to become eligible to conduct insurance sales.

Compensation

This is a 1099 independent contractor, commission-only sales opportunity.

There is no hourly wage or guaranteed salary. Compensation is based on individual sales production and applicable commission schedules.

Actual earnings vary based on individual performance, activity, sales results, and other factors. No specific income level is guaranteed.

Remote Work Environment

This is a remote telesales opportunity. Representatives conduct client communication and appointments primarily by phone and work from their own remote workspace.

Candidates should have:

• Reliable internet access
• Reliable phone access
• A computer or laptop suitable for conducting business
• A professional and distraction-free workspace
• The ability to communicate effectively with clients remotely
• The ability to manage their schedule and remain productive without direct supervision

Independent Contractor Status

This opportunity is offered on a 1099 independent contractor basis and is not a W-2 employment position.

Independent contractors are responsible for applicable taxes, licensing requirements, and business-related expenses. Traditional employee benefits, an hourly wage, and a guaranteed salary are not provided.

No previous insurance experience or current insurance license is required to apply.

This opportunity may be a good fit for individuals looking for a remote, performance-based sales career with training, mentorship, and the opportunity to work with consumers who have already expressed interest in life insurance.