Remote Member Benefits Specialist

AIL; Sacramento (CA); Remote; USD 30,000 - 90,000; Part time

Benefits offered by this job

100% Remote - Work From Home

Commission-based compensation

Performance bonuses

Flexible scheduling

Comprehensive training & mentorship

Job summary

AO Globe Life – American Income Division is seeking a Remote Member Benefits Specialist to help families understand life, accident, and supplemental health benefits from home. This 1099 independent-contractor role offers flexible scheduling and no required prior insurance experience.

You will conduct virtual consultations, build client relationships, enroll eligible members, and pursue renewal income and bonuses. Comprehensive training and ongoing mentorship are provided.

Qualifications

• No previous insurance experience required.
• Entry level opportunity with training and mentorship.

Responsibilities

• Explain available life, accident, and supplemental health insurance options to clients.
• Schedule and conduct virtual Zoom and phone appointments.
• Assist eligible clients with electronic applications and enrollment.
• Maintain accurate digital records and client follow-up.

Job description

Remote Member Benefits Specialist

Company: AO Globe Life – American Income Division
Location: Sacramento, CA 95814 | 100% Remote
Schedule: Flexible | Full-Time Availability Preferred
Position Type: 1099 Independent Contractor
Compensation: Commission Only | Weekly Commissions | Performance Bonuses
Experience: Entry Level | No Previous Insurance Experience Required
Training: Virtual Onboarding | Licensing Guidance | Ongoing Mentorship

Help Families Protect What Matters Most — Without Leaving Home

Are you looking for a work-from-home career that combines helping others, professional development, flexible scheduling, and performance-based earning opportunities?

AO Globe Life is seeking motivated, dependable, and service-oriented individuals to join our virtual team as Remote Member Benefits Specialists.

You'll connect with working families, veterans, labor union members, credit union members, and eligible association members through scheduled Zoom and phone appointments.

Your role will involve explaining available life, accident, and supplemental health insurance benefits, answering client questions, identifying coverage needs, providing appropriate recommendations once licensed, assisting with electronic enrollment, and maintaining long-term client relationships.

This opportunity combines customer service, benefits education, client relationship management, and consultative insurance sales.

Whether you're beginning your professional career, returning to the workforce, or transitioning from another industry, we provide training, licensing guidance, mentorship, and ongoing development.

No previous insurance experience is required to apply.

Opportunity Highlights

• 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

• Performance-Based Leadership Opportunities

What You'll Do

As a Remote Member Benefits Specialist, you'll help prospective and existing clients understand available insurance benefits and make informed coverage decisions.

Virtual Client Consultations

• Connect with company-provided client opportunities and existing clients.

• Schedule and conduct virtual Zoom and phone appointments.

• Build rapport and establish professional client relationships.

• Ask questions to understand individual and family financial-protection needs.

• Listen carefully to client questions and concerns.

• Explain available life, accident, and supplemental health insurance options.

• Answer questions about coverage, benefits, and policy features.

• Provide appropriate, needs-based recommendations once licensed.

• Assist eligible clients with electronic applications and enrollment.

• Maintain accurate digital records and appointment schedules.

Benefits Education & Member Support

• Educate clients about available insurance products and benefits.

• Help clients understand how coverage may fit their individual needs.

• Explain applicable policy features and enrollment options.

• Guide eligible clients through electronic applications.

• Review application information for completeness.

• Explain next steps after enrollment.

• Follow up with clients regarding coverage decisions.

• Assist with beneficiary information and applicable policy service requests.

• Conduct applicable policy and benefits reviews.

• Help direct clients through appropriate claims-support processes.

• Maintain accurate documentation and follow-up records.

• Follow company procedures and applicable state insurance requirements.

Professional Development

• Participate in structured virtual onboarding.

• Attend applicable team meetings, training, and coaching sessions.

• Strengthen customer-service and communication skills.

• Develop confidence in virtual presentations.

• 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.

What a Typical Remote Workday Looks Like

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 policy 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.

Company-Provided Client Opportunities

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.

Weekly Commission-Based Compensation

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.

100% Remote — Work From Home

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

Required Home Office Equipment

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.

Flexible Scheduling With Accountability

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