Remote Member Services Representative | Work From Home

American Income Life Insurance Company; United States; Remote; USD 35,000 - 70,000; Full time

Benefits offered by this job

100% remote work

Flexible scheduling

No traditional cold calling

Weekly commission-based pay

Performance bonuses

Comprehensive training & mentorship

Licensing guidance

Job summary

AO – American Income Division of Globe Life is hiring for Remote Member Services Representatives to work from home nationwide. This 100% remote, work-from-home role emphasizes client education, benefits understanding, and consultative insurance guidance with robust training and mentorship from day one.

Entry-level welcome, with flexible scheduling, weekly commission-based pay, and performance-based bonuses.

Qualifications

• Be at least 18 years old and legally eligible to work in the United States.
• No prior insurance experience required; licensing guidance provided.
• Remote, independent contractor role with licensing before conducting licensed activities.
• Excellent communication and client-service focus.

Responsibilities

• Conduct scheduled Zoom and phone consultations with clients.
• Explain life, accident, and supplemental health benefits.
• Assist with applications and enrollment and maintain digital records.
• Provide ongoing client service and follow-up to build relationships.
• Educate clients and make needs-based coverage recommendations.

Skills

Client communication

Relationship management

Consultative sales

Zoom/virtual meetings

Time management

Organization

Education

Life & Health Insurance License

Job description

Remote Member Services Representative| Work From Home

Company: AO – American Income Division of Globe Life

Work Arrangement: 100% Remote | U.S. Residents Only

Schedule: Flexible | Work From Home

Experience: Entry-Level Welcome | Training & Mentorship Provided

Compensation: Commission-Based | Weekly Pay | Performance Incentives

Turn Your Potential Into a Career—From Home

Looking for more than another job?

If you want a 100% remote career where you can develop valuable professional skills, help families, increase your earning potential, and advance based on performance rather than seniority, AO may be the opportunity you're looking for.

We're seeking motivated, coachable professionals to join our growing virtual team as Remote Career Development Representatives .

This role combines client service, benefits education, relationship building, consultative insurance sales, and professional development —with comprehensive training and mentorship provided.

No previous insurance experience is required.

What Makes This Opportunity Different

• 100% Work From Home
• Flexible Scheduling
• No Traditional Cold Calling
• Qualified Client Opportunities Provided
• No Lead Purchasing Required
• Weekly Commission-Based Pay
• Performance Bonuses & Renewals
• Comprehensive Training & Mentorship
• Performance-Based Career Advancement
• Leadership Development Opportunities

What You'll Do

Help Clients Understand Their Benefits

You’ll meet virtually with individuals and families who have requested information about available benefits and coverage options.

Your responsibilities may include:

• Conduct scheduled Zoom and phone consultations
• Learn about each client’s individual needs and priorities
• Explain available life, accident, and supplemental health insurance benefits
• Answer questions clearly and professionally
• Help clients evaluate appropriate coverage options
• Provide needs-based recommendations
• Assist with applications and enrollment
• Complete required documentation
• Provide ongoing client service and follow-up
• Maintain accurate digital client records
• Build long-term relationships through trust and exceptional service

This isn’t about high-pressure selling. Our approach focuses on listening, educating, understanding client needs, and helping families make informed decisions.

Develop Skills That Can Take Your Career Further

Professional Development From Day One

This opportunity is designed for people who want to learn, improve, and advance .

You’ll receive development in areas including:

• Professional communication
• Client relationship management
• Consultative sales
• Virtual presentation skills
• Time management
• Goal setting
• Organization
• Problem-solving
• Business development
• Coaching and mentorship
• Leadership

You’ll participate in ongoing virtual training while receiving mentorship from experienced leaders invested in helping you develop professionally.

Qualified Client Opportunities Provided

Spend More Time Helping People—Not Searching for Them

Representatives work with qualified client opportunities, including individuals who have requested information about available benefits.

You’ll focus on:

• Scheduled client conversations
• Benefits education
• Needs-based consultations
• Enrollment assistance
• Relationship building
• Follow-up
• Ongoing client service

No traditional cold calling or lead purchasing is required.

100% Remote + Flexible Schedule

Build Your Career From Home

Work virtually while staying connected to clients, mentors, and teammates.

Benefits of our remote model include:

• No daily commute
• Flexible scheduling
• Virtual client appointments
• Remote training and coaching
• Digital business systems
• Nationwide team collaboration

Flexibility also comes with responsibility. Successful representatives are self-motivated, organized, dependable, and capable of managing their schedules independently.

Compensation & Earning Potential

Weekly Performance-Based Pay

This is a commission-based independent contractor opportunity—not an hourly or salaried position .

Earning opportunities may include:

• Weekly commission payments
• Performance-based bonuses
• Renewal and residual income
• 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, and no specific income level is guaranteed.

No Experience? Training Is Provided.

Comprehensive Training & Mentorship

You don't need previous insurance experience to apply.

We provide:

• Structured virtual onboarding
• Product and benefits education
• Client-service development
• Consultative sales training
• Virtual presentation development
• Business systems training
• Weekly coaching
• One-on-one mentorship
• Professional development workshops
• Leadership training
• Ongoing education

Candidates who are not currently licensed will also receive guidance through the state Life & Health Insurance licensing process .

Build Toward Leadership

Performance Creates Opportunity

At AO, advancement is based on performance, consistency, initiative, development, and demonstrated leadership ability—not simply how long you've been here.

Representatives who demonstrate strong performance may have opportunities to develop into:

Representative Mentor Trainer Team Leadership Management Advanced Leadership

Future responsibilities may include:

• Mentoring newer representatives
• Assisting with onboarding
• Coaching and professional development
• Team building
• Performance management
• Training
• Business development
• Leadership and management

Advancement opportunities are earned through performance and are not guaranteed.

Benefits & Professional Resources

Qualifying representatives may have access to:

• Company-supported life insurance
• Medical reimbursement program
• Renewal and residual income opportunities
• Professional development resources

Representative Programs

• Company-supported life insurance
• Medical reimbursement program
• Renewal and residual income opportunities
• Professional development resources

Recognition & Development

• Performance recognition programs
• Leadership development
• Professional conferences
• Leadership events
• Performance contests and awards

Incentive Travel

Qualifying performers may earn opportunities for:

• Company-sponsored incentive trips
• Leadership retreats
• Recognition travel
• Team events and experiences

Eligibility, qualification periods, and performance requirements may apply.

Who We’re Looking For

We’re less concerned about having the "perfect" resume and more interested in individuals who demonstrate:

• Excellent communication and interpersonal skills
• Genuine interest in helping people
• Positive, professional attitude
• Self-motivation and personal accountability
• Strong work ethic
• Goal-oriented mindset
• Organization and time-management skills
• Problem-solving ability
• Dependable follow-through
• Comfort working independently
• Ability to collaborate within a virtual team
• Coachability and openness to feedback
• Desire for continuous improvement
• Interest in long-term professional growth

Experience That Transfers Well

Previous experience in these areas may be helpful:

• Customer Service
• Client Relations
• Healthcare
• Education
• Hospitality
• Recruiting
• Retail
• Financial Services
• Banking
• Administrative Support
• Account Management
• Sales
• Military Service
• Leadership or Management

However, previous insurance experience is not required .

We value attitude, professionalism, communication skills, work ethic, and coachability .

Minimum Requirements

Applicants must:

• Be at least 18 years old
• Be legally authorized to work in the United States
• Be physically located within the United States
• Have access to a reliable computer or laptop
• Have webcam and microphone capability
• Maintain reliable high-speed internet
• Maintain a quiet, professional workspace
• Be comfortable using Zoom and virtual business systems
• Be willing to complete required training
• Hold or be willing and able to obtain the appropriate state Life & Health Insurance License

Licensing guidance and support are provided for candidates who are not currently licensed.

Virtual Interview Process

Qualified applicants will first complete a brief career overview covering:

• Position responsibilities
• Client process
• Compensation structure
• Licensing requirements
• Training and mentorship
• Career advancement
• Benefits and incentives

Candidates interested in continuing will then have the opportunity to schedule a live Zoom interview with our hiring team .

Ready for a Career Where Your Growth Is Driven by You?

If you’re looking for a 100% remote career where you can help families, develop valuable professional skills, build long-term income opportunities, and pursue leadership based on your performance, we’d like to hear from you.

Work From Home. Develop Your Skills. Help Families. Grow Without Limits.

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.