Digital Life & Health Benefits Advisor - Representative

100% Remote | Work From Home | U.S. Applicants Only

Work From Home. Help Families. Build Your Future.

Company: Globe Life AO – American Income Division
Location: 100% Remote – United States
Schedule: Full-Time Availability Preferred | Flexible Schedule
Job Type: 1099 Independent Contractor
Compensation: Commission Only | Weekly Pay | Performance Bonuses
Experience: Entry-Level Candidates Welcome | Training Provided

Job Description

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

Globe Life AO – American Income Division is seeking motivated, professional, and service-oriented individuals to join our growing virtual team as Digital Life & Health Benefits Advisors.

In this role, you'll help individuals and families understand available life insurance and supplemental health benefit options through convenient, virtual Zoom appointments.

This opportunity combines customer service, benefits education, client relationship management, and consultative insurance sales. Rather than traveling to client locations, you'll conduct presentations and complete enrollments electronically from your home office.

We welcome entry-level applicants who demonstrate strong communication skills, a positive attitude, and a willingness to learn.

No previous insurance experience is required. Comprehensive training and ongoing mentorship are provided.

What You'll Do — Daily Responsibilities

As a Digital Life & Health Benefits Advisor, you will:

• Connect with company-provided warm leads and existing clients.

• Schedule and conduct virtual insurance consultations through Zoom.

• Build professional relationships with individuals and families.

• Assess client needs and identify appropriate benefit options.

• Explain available life insurance and supplemental health coverage.

• Educate clients about policy features, benefits, and enrollment options.

• Answer questions and help clients make informed coverage decisions.

• Assist qualified clients with electronic applications and enrollments.

• Maintain accurate client information and follow-up records.

• Provide ongoing service and develop long-term client relationships.

• Participate in virtual team meetings, product training, and coaching sessions.

• Work toward individual production and professional development goals.

No traditional cold calling, door-to-door prospecting, or in-person client meetings required.

Required Qualifications

Please apply only if you meet the following requirements:

• Must be at least 18 years old.

• Must reside in the United States.

• Have a reliable desktop or laptop computer.

• Have dependable high-speed internet access.

• 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 your schedule.

• Be willing to obtain the required Life and Health insurance license.

• Be able to complete applicable state licensing and background requirements.

A Life and Health insurance license is required before conducting licensed insurance sales or enrollment activities.

Preferred Qualifications — Not Required

We welcome applicants with experience in:

• Customer service and client relations.

• Retail, hospitality, or other service industries.

• Sales or account management.

• Healthcare support or benefits administration.

• Insurance or financial services.

• Virtual customer support or call-center operations.

• Leadership, coaching, or 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.

What We Offer

• 100% Remote Work: Conduct client appointments and presentations from home.

• Flexible Scheduling: Organize your work around client availability and professional responsibilities.

• Company-Provided Warm Leads: Connect with prospective clients without traditional cold calling.

• Comprehensive Training: Learn insurance products, client consultations, and enrollment procedures.

• Ongoing Mentorship: Receive coaching and professional guidance from experienced leaders.

• Digital Presentation Tools: Access company systems for virtual presentations and electronic applications.

• Weekly Commission Pay: Receive compensation on eligible completed business.

• Performance Bonuses: Additional opportunities based on individual results and qualifications.

• Residual Income Opportunities: Potential ongoing commissions on qualifying business.

• Leadership Development: Opportunities to pursue training, coaching, and management responsibilities.

• Recognition & Incentives: Performance-based recognition and potential incentive travel.

Training, Licensing & Equipment

We provide comprehensive training and ongoing professional development to help representatives build confidence and learn the insurance industry.

Training includes:

• Life insurance and supplemental health benefit products.

• Client communication and relationship management.

• Needs-based insurance consultations.

• Virtual Zoom presentations.

• Electronic applications and enrollment systems.

• Consultative sales and professional development.

• Leadership and career advancement skills.

Licensing: Candidates who are not currently licensed will receive guidance on obtaining the required Life and Health insurance license. Licensing, examination, background screening, and applicable state fees are the candidate's responsibility.

Equipment: Representatives must provide their own computer, reliable internet service, and home-office equipment. The company provides access to its electronic presentation and enrollment systems.

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

Compensation & Flexible Schedule

Job Classification: 1099 Independent Contractor
Pay Structure: 100% Commission Based
Pay Frequency: Weekly, based on eligible completed business
Work Location: Fully Remote
Schedule: Flexible | Full-Time Commitment Preferred

This opportunity does not provide an hourly wage, guaranteed base salary, or traditional W-2 employee benefits.

Compensation opportunities include:

• Weekly commissions on eligible completed enrollments.

• Performance-based bonuses.

• Residual income opportunities.

• Additional recognition and incentive programs.

• Leadership advancement opportunities.

Earnings depend on individual productivity, completed business, and performance. No specific income is guaranteed.

Career Growth & Leadership Opportunities

Globe Life AO encourages professional development and advancement based on individual performance and qualifications.

Representatives may have opportunities to develop into:

• Senior Benefits Advisor.

• Client Relationship Specialist.

• Insurance Sales Trainer.

• Team Mentor or Coach.

• Leadership Development Representative.

• Sales Management.

Advancement is performance-based and subject to qualification and available opportunities.

Our Team & Culture

Our organization is committed to helping protect working families while supporting representatives in developing their professional skills.

We value:

• Integrity and professionalism.

• Exceptional client service.

• Personal accountability and consistency.

• Continuous learning and professional development.

• Teamwork and mentorship.

• Leadership and performance recognition.

This opportunity is best suited for individuals who enjoy working with people, are comfortable with a performance-based compensation structure, and want to build a long-term career in insurance and benefits advising.

Ready to Take the Next Step?

If you're motivated, enjoy helping others, and are interested in a flexible remote career with training, mentorship, and performance-based earning opportunities, we'd love to hear from you.

Apply today to be considered for our Digital Life & Health Benefits Advisor - Representative opportunity with Globe Life AO.

Please apply only if you meet the minimum requirements, understand the commission-only compensation structure, and are willing to complete the required insurance licensing process.

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.