Virtual Life Benefits Consultant

AIL; Raleigh (NC); Remote; USD 50,000 - 100,000; Full time

Benefits offered by this job

Company-provided warm leads

Weekly commission-based pay

Performance bonuses

Remote work from home

Job summary

Globe Life AO – American Income Division is seeking entry-level Virtual Life Benefits Consultants to help families remotely from home. No prior insurance experience is required, with comprehensive virtual training and licensing guidance provided.

You'll use warm leads to educate clients on life and health benefits and guide them through enrollment. The role emphasizes customer service, relationship building, and consultative sales, with a 1099 independent contractor arrangement and weekly

Qualifications

• No prior insurance experience required.
• Comprehensive virtual training and mentorship provided.
• Licensing guidance offered to help you get licensed.

Responsibilities

• Contact warm leads and existing clients.
• Schedule and conduct virtual consultations via Zoom or phone.
• Educate clients on life insurance and supplemental health options.
• Assist with electronic applications and enrollment when licensed.
• Maintain accurate digital client records and follow up with prospects.
• Participate in virtual meetings, training and coaching.

Skills

Entry Level

No previous insurance experience

Job description

Virtual Life Benefits Consultant

Company: Globe Life AO – American Income Division
Location: Raleigh, NC 27601 | 100% Remote
Work Arrangement: Work From Home | U.S. Applicants Only
Schedule: Flexible | Full-Time Availability Preferred
Job Type: 1099 Independent Contractor
Compensation: Commission Only | Weekly Pay | Performance Bonuses
Experience: Entry Level | No Previous Insurance Experience Required
Training: Comprehensive Virtual Training & Mentorship Provided

Help Families Protect Their Future — Build Your Career From Home

Are you looking for a remote career in insurance and client services where you can help families make informed financial-protection decisions while developing valuable professional skills?

Globe Life AO – American Income Division is seeking motivated, service-oriented individuals to join our virtual team as Virtual Life Benefits Consultants.

In this position, you'll connect with individuals and working families through scheduled Zoom and phone appointments, explain available life insurance and supplemental health benefits, assess client needs, and assist with electronic applications and enrollment once appropriately licensed.

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

No previous insurance experience is required. We provide comprehensive training, licensing guidance, virtual business tools, and ongoing mentorship.

Opportunity Highlights

• 100% Remote — Work From Home
• Entry Level — No Insurance Experience Required
• Company-Provided Warm Leads
• No Traditional Cold Calling
• No Door-to-Door Prospecting
• No Lead Purchasing Required
• Weekly Commission-Based Pay
• Performance Bonuses
• Residual Income Opportunities
• Flexible Scheduling
• Virtual Training & Mentorship
• Leadership Development Opportunities

What You'll Do

As a Virtual Life Benefits Consultant, you'll help clients understand their available insurance options and provide professional guidance throughout the enrollment process.

Your primary responsibilities include:

• Contact company-provided warm leads and existing clients.
• Schedule and conduct virtual consultations through Zoom and phone.
• Build professional relationships with individuals and families.
• Ask questions to understand each client's financial-protection needs.
• Explain available life insurance and supplemental health coverage.
• Educate clients about policy features, benefits, and enrollment options.
• Provide needs-based insurance recommendations once appropriately licensed.
• Answer questions and help clients make informed coverage decisions.
• Assist eligible clients with electronic applications and enrollment.
• Maintain accurate digital client records and documentation.
• Follow up with prospective and existing clients.
• Provide ongoing customer service and applicable policy reviews.
• Participate in virtual team meetings, training, and coaching.
• Work toward individual production and professional-development goals.
• Follow company procedures and applicable state insurance requirements.

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 a combination of:

Client Outreach: Contact interested individuals, respond to inquiries, confirm appointments, and follow up with prospective clients.

Virtual Consultations: Meet with clients through Zoom to discuss financial-protection needs and available coverage.

Benefits Education: Explain insurance products and policy features clearly and professionally.

Enrollment Assistance: Once appropriately licensed, help eligible clients complete applications and electronic documentation.

Client Support: Answer questions, assist with applicable policy reviews, and maintain professional relationships.

Training & Coaching: Participate in virtual product education, coaching, and professional-development activities.

Independent Organization: Manage appointments, client follow-up, digital records, and daily business activity from your home office.

Company-Provided Warm Leads — No Traditional Cold Calling

Representatives receive access to company-provided client opportunities, including individuals and families who have requested or expressed interest in receiving information about available benefits.

You are not required to purchase leads.

The position may involve outbound calls, appointment scheduling, and follow-up with interested clients.

No door-to-door prospecting or in-person client meetings are required.

Our approach emphasizes listening, education, appropriate recommendations, enrollment assistance, and ongoing service.

100% Remote — Work From Home

Conduct client consultations, presentations, applications, and training from your home office.

Representatives use:

• Zoom and phone communication
• Electronic presentation systems
• Digital enrollment platforms
• Client-management tools
• Online training resources
• Virtual team communication systems

Required Home Office Equipment

Applicants must provide:

• Reliable desktop or laptop computer
• High-speed internet service
• 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.

Comprehensive Training & Mentorship

Required Insurance Experience: 0 Years

Previous insurance experience is not required.

Training and professional development may include:

• Structured virtual onboarding
• Life insurance and supplemental health product education
• Client communication and relationship management
• Needs-based insurance consultations
• Virtual Zoom presentations
• Electronic applications and enrollment systems
• Consultative sales techniques
• Customer-service development
• Digital documentation
• One-on-one mentorship
• Ongoing coaching
• Leadership development

Training is provided at no cost but is not hourly compensated.

We value professionalism, communication skills, work ethic, coachability, and willingness to learn.

Insurance Licensing Requirement

An insurance license is not required when applying.

However, representatives must obtain the appropriate state Life & Health Insurance License before performing activities requiring licensure.

Licensing guidance is provided.

Candidates are responsible for applicable licensing expenses, which may include study materials, examinations, background screening, fingerprinting, and state fees.

Applicants should be willing and financially prepared to complete the required licensing process.

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 enrollments
• Performance-based bonuses
• Renewal and residual income opportunities
• Leadership compensation for qualifying representatives
• Additional recognition and incentive programs

Individual earnings depend on productivity, completed business, 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.

Flexible Schedule — Full-Time Availability Preferred

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

This opportunity is best suited for individuals who are self-motivated, dependable, organized, and comfortable managing their own schedules.

Professional Support & Qualifying Programs

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 resources

Eligibility, qualification periods, production requirements, and other conditions may apply.

Career Growth & Leadership Development

Representatives who demonstrate strong performance, consistency, professionalism, and leadership potential may pursue additional responsibilities.

A potential development path includes:

Virtual Life Benefits Consultant → Senior Benefits Advisor → Trainer/Mentor → Team Leader → Sales Management → Advanced Leadership

Future responsibilities may include:

• Training newer representatives
• Coaching and mentorship
• Recruiting
• Team development
• Performance accountability
• Leadership

Advancement is performance-based and is not guaranteed.

Required Qualifications

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 desktop or laptop computer.
• Maintain dependable high-speed internet.
• Have webcam and microphone capability.
• Maintain a quiet, professional workspace.
• Be comfortable conducting virtual appointments through Zoom.
• Demonstrate strong communication and interpersonal skills.
• Be professional, dependable, and self-motivated.
• Be able to work independently and manage a flexible schedule.
• Understand the commission-only compensation structure.
• Be willing to complete applicable training.
• 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.

Preferred Qualifications — Not Required

Previous experience in any of the following may be helpful:

• Customer Service
• Client Relations
• Insurance
• Sales
• Account Management
• Healthcare Support
• Benefits Administration
• Financial Services
• Retail
• Hospitality
• Virtual Customer Support
• Call Centers
• Leadership
• Coaching
• Team Development

No college degree or previous insurance experience is required.

We value individuals who are coachable, organized, goal-oriented, and genuinely interested in helping families.

About Globe Life AO

Globe Life AO operates within the American Income Division of Globe Life and helps working families understand available life insurance and supplemental financial-protection benefits.

Our representatives serve clients virtually while receiving support from experienced 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.

Virtual Interview Process

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

Candidate must 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.