Remote Member Services Advisor
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Benefits offered by this job
Job summary
AO Globe Life – American Income Division seeks Remote Member Services Advisors to join a 100% remote team. You will meet with prospective and existing clients via Zoom/phone, explain life, accident, and health options, and guide enrollment after licensing.
This entry-level role offers virtual training and mentorship, with commission-based earnings and flexible scheduling. Trainings include licensing guidance and ongoing development.
Qualifications
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Responsibilities
- Contact prospective clients through company-provided warm leads.
- Schedule and conduct virtual appointments via Zoom/phone.
- Explain available life, accident, and supplemental health insurance options.
- Assess client needs and provide enrollment support after licensing.
- Maintain accurate digital client records and follow up with clients.
Job description
Company: AO Globe Life – American Income Division
Location:100% Remote
Schedule: Flexible | Full-Time Availability Preferred
Job 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
Are you a strong communicator who enjoys helping people, solving problems, and building professional relationships?
Would you like to develop a career where you can work remotely, learn valuable skills, and pursue income opportunities based on your individual performance?
AO Globe Life – American Income Division is seeking motivated, dependable, and service-oriented individuals to join our virtual team as Remote Member Services Advisors.
In this role, you'll meet with prospective and existing clients through scheduled Zoom and phone appointments to explain available life, accident, and supplemental health insurance benefits.
You'll help families understand coverage options, answer questions, identify individual needs, assist with enrollment once licensed, and provide continued client support.
This opportunity combines customer service, insurance benefits education, relationship management, and consultative insurance sales.
No previous insurance experience is required to apply. We provide structured training, licensing guidance, ongoing mentorship, and professional-development opportunities.
100% Remote - Work From Home
Entry Level - No Previous Insurance Experience Required
Company-Provided Warm Leads
No Traditional Cold Calling
No Door-to-Door Sales
No Lead Purchasing Required
Flexible Scheduling
Weekly Commission-Based Compensation
Performance Bonuses
Renewal & Residual Income Opportunities
Virtual Training & One-on-One Mentorship
Performance-Based Leadership Development
As a Remote Member Services Advisor, you'll help create a professional, supportive experience for clients exploring insurance benefits.
Your responsibilities include:
Contact prospective clients through company-provided warm leads.
Schedule and conduct virtual appointments through Zoom and phone.
Establish trust through respectful, professional communication.
Ask questions to understand individual and family protection needs.
Listen to concerns and answer questions clearly.
Maintain organized appointment schedules and follow-up communications.
Help clients make informed decisions about available financial-protection products.
Responsibilities include:
Explain available life, accident, and supplemental health insurance options.
Review relevant coverage features and benefits.
Conduct needs-based client consultations.
Provide appropriate recommendations once licensed.
Answer questions about policies and enrollment.
Assist eligible clients with electronic applications.
Review required enrollment information for completeness.
Follow applicable state insurance regulations and company procedures.
Our approach emphasizes relationships that continue beyond enrollment.
You'll help clients by:
Providing professional follow-up after consultations.
Explaining applicable next steps after enrollment.
Responding to policy-related questions.
Assisting with applicable policy reviews.
Helping clients navigate beneficiary information and policy-service requests.
Directing clients to appropriate claims-support resources when needed.
Maintaining accurate digital client records.
Building long-term relationships through dependable service.
Complete virtual onboarding and product education.
Attend applicable coaching sessions and team meetings.
Strengthen communication and presentation skills.
Learn digital enrollment and client-management systems.
Develop consultative sales and relationship-building skills.
Work toward individual performance and professional-development goals.
This is a client-facing insurance sales and service role- not an hourly administrative or inbound-only customer-service position.
Representatives receive access to prospective client opportunities through the company, including individuals and families interested in learning about available insurance benefits.
Your client process generally follows:
Connect → Listen → Understand Needs → Educate → Recommend → Enroll → Support
There is no requirement to purchase leads.
The position involves outbound calls, appointment scheduling, and client follow-up.
Traditional random cold calling and door-to-door prospecting are not required.
Important Compensation Information
This opportunity is structured as a 1099 independent contractor position with 100% commission-based compensation.
There is no guaranteed hourly wage, base salary, or traditional W-2 employee compensation package.
Potential compensation opportunities include:
Weekly commissions on eligible completed business
Performance-based bonuses
Renewal and residual income opportunities
Additional production incentives
Leadership compensation for qualifying representatives
Earnings depend on completed business, individual productivity, consistency, and results.
No specific income level is guaranteed. Individual earnings vary.
Applicants should be comfortable with a commission-only compensation structure before applying.
Client consultations, enrollment assistance, training, and team communication are completed virtually.
Representatives may use:
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 home workspace
Basic computer proficiency
Computer equipment and home internet service are not provided by the company.
Representatives have flexibility in organizing their schedules around:
Client appointments
Appointment scheduling
Follow-up communication
Virtual training
Team meetings
Professional development
Production goals
Successful representatives are organized, self-motivated, dependable, and comfortable managing their responsibilities independently.
We welcome applicants from a wide range of professional backgrounds.
Training and professional development may include:
Structured virtual onboarding
State insurance licensing guidance
Insurance product education
Client needs assessments
Customer-service development
Relationship management
Consultative sales training
Virtual presentation techniques
Electronic application procedures
Digital documentation
One-on-one mentorship
Ongoing coaching
Leadership development
Training is provided at no cost but is not hourly compensated.
Applicants do not need to hold an insurance license when applying.
However, representatives must obtain the appropriate state Life & Health Insurance License before performing activities requiring licensure.
Licensing guidance is available.
Candidates are responsible for applicable licensing expenses, including study materials, examination fees, background screening, fingerprinting, and state licensing 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 technology and resources
Performance recognition programs
Eligibility, qualification periods, production requirements, and other conditions may apply.
Medical reimbursement is not the same as traditional employer-sponsored health insurance.
Qualifying representatives may have opportunities to participate in:
Company-sponsored incentive travel
Leadership conferences
Performance recognition programs
Achievement awards
Team-development events
Professional-development experiences
All incentives are subject to applicable performance and qualification requirements.
Representatives who demonstrate strong performance, professionalism, consistency, and leadership potential may pursue additional responsibilities.
Potential development opportunities include:
Senior client benefits responsibilities
Training and mentoring newer representatives
Coaching
Recruiting
Team leadership
Sales management
Advanced leadership
Management advancement is performance-based and is not guaranteed.
You may be a strong candidate if you are:
Friendly and comfortable communicating with people
A strong listener who enjoys helping others
Customer-focused and service-oriented
Positive, professional, and dependable
Self-motivated and accountable
Organized with strong time-management skills
Comfortable learning new technology
Able to work independently from home
Comfortable collaborating with a virtual team
Goal-oriented and motivated by performance
Coachable and receptive to feedback
Interested in professional development
Previous experience in customer service, retail, hospitality, healthcare, banking, education, administration, call centers, military service, client relations, financial services, or sales may be helpful but is not required.
We value communication skills, work ethic, professionalism, coachability, and willingness to learn.
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 professional communication skills.
Be willing to complete required training.
Be comfortable with consultative insurance sales.
Understand the commission-only compensation structure.
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.
AO operates within the American Income Division of Globe Life and helps working families understand available financial-protection benefits.
Our representatives serve clients virtually while receiving support from trainers, mentors, and agency leadership.
Our professional culture emphasizes integrity, client service, accountability, continuous learning, teamwork, mentorship, and performance-based advancement.
Our Mission: Protect Every Child. Serve All Working People.
Qualified applicants will first receive an approximately 15-minute career overview explaining the position, responsibilities, compensation structure, licensing requirements, training, and professional-development opportunities.
Candidates who remain interested may then participate in a live Zoom interview with our hiring team.
Important Information About This Opportunity
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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