Remote Customer Benefits Advisor

Company: AO South | Globe Life – American Income Division
Location: 100% Remote
Schedule: Flexible | Full-Time Opportunity
Position Type: 1099 Independent Contractor
Compensation: Commission Only | Weekly Commissions | Performance Bonuses
Experience: Entry Level | No Insurance Experience Required to Apply
Training: Virtual Onboarding | Licensing Guidance | One-on-One Mentorship

A Remote Career Built Around People, Purpose, and Possibility

Are you looking for an opportunity to work from home, connect with people, and build professional skills that can support your future?

At AO South | Globe Life, we're looking for motivated, service-oriented individuals who enjoy helping others and want to explore a career in insurance benefits and client relations.

As a Remote Customer Benefits Advisor, you'll help individuals and families understand available life, accident, and supplemental health insurance options through scheduled virtual appointments.

You'll combine customer service with consultative insurance sales, helping clients review coverage choices, complete eligible enrollments, and receive ongoing support.

No previous insurance experience is required to apply.

We provide structured training, licensing guidance, professional mentorship, and continued development to help you prepare for the responsibilities of this opportunity.

What Makes This Opportunity Different?

Work 100% From Home

Connect with clients, attend training, and collaborate with your team through Zoom, phone, and digital business systems.

Company-Provided Client Leads

Work with prospective clients through company-provided leads. Traditional random cold calling and door-to-door prospecting are not required.

Flexible Scheduling

Organize your professional activities around appointments, follow-up, training, and personal responsibilities.

Weekly Commission Opportunities

Earn commissions on eligible completed business, with opportunities for bonuses and renewal income.

Training and Mentorship

Learn insurance fundamentals, client communication, virtual presentations, enrollment procedures, and professional service practices.

Professional Advancement

Develop transferable skills and potentially qualify for additional mentoring, coaching, or leadership responsibilities based on performance.

Your Responsibilities

Help Clients Understand Their Benefits

You'll connect with prospective and existing clients to provide a professional, informative experience.

Your responsibilities include:

• Contact company-provided prospective clients.

• Schedule virtual appointments through Zoom and phone.

• Welcome clients and explain the consultation process.

• Listen carefully to individual and family concerns.

• Identify financial-protection priorities.

• Answer general questions about the client-service process.

• Build professional relationships through clear communication.

• Maintain accurate appointment and follow-up information.

Explain Coverage and Assist With Enrollment

Once appropriately licensed, you'll:

• Educate clients about available life insurance products.

• Explain accident and supplemental health insurance options.

• Review relevant policy features and coverage choices.

• Conduct needs-based benefit consultations.

• Recommend appropriate coverage solutions.

• Answer questions about insurance applications.

• Assist eligible clients with electronic enrollment.

• Review required documentation.

• Follow applicable state insurance regulations and company procedures.

Deliver Continued Customer Service

Your responsibilities may also include:

• Follow up with clients after enrollment.

• Answer general policy-service questions.

• Assist with applicable policy reviews.

• Help clients navigate beneficiary update requests.

• Direct clients to appropriate claims-support resources.

• Maintain accurate digital records.

• Provide dependable communication and follow-through.

This position combines customer service and insurance sales. It is not an hourly administrative or inbound-only customer-service job.

Qualified Client Opportunities Provided

Our representatives receive access to company-provided prospective client opportunities, including individuals and families interested in learning about available benefits.

The typical process is:

Connect → Listen → Educate → Recommend → Enroll → Support

There is no requirement to purchase leads.

Outbound calls, appointment scheduling, and follow-up are part of the position.

Traditional random cold calling and door-to-door prospecting are not required.

Compensation and Earning Opportunities

Important Compensation Information

This is a 1099 independent contractor opportunity with 100% commission-based compensation.

There is no guaranteed hourly wage, base salary, or traditional W-2 employee benefits package.

Potential compensation opportunities include:

• Weekly commissions on eligible completed business.

• Performance-based bonuses.

• Renewal and residual income opportunities.

• Additional achievement incentives.

• Leadership-related compensation for qualifying representatives.

Earnings depend on individual activity, completed business, production, and results.

Income is not guaranteed, and individual earnings vary.

Applicants should understand and be comfortable with the commission-only compensation structure before applying.

No Insurance Experience? Training Is Provided.

We welcome applicants from a variety of professional backgrounds.

Our virtual training and development resources may cover:

• Insurance product fundamentals.

• State licensing preparation guidance.

• Professional customer communication.

• Active listening and needs assessments.

• Client relationship management.

• Virtual appointment preparation.

• Consultative insurance sales.

• Digital benefit presentations.

• Electronic enrollment procedures.

• Customer-service follow-up.

• Compliance expectations.

• Time management and organization.

• Professional coaching and leadership development.

Ongoing mentorship is available as you develop your skills.

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

Insurance Licensing Requirements

You do not need an insurance license to submit an application.

However, the appropriate state Life & Health Insurance License is required before performing activities that require insurance licensure.

Licensing guidance and preparation support are available.

Candidates are responsible for applicable 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.

Your Remote Workspace

You'll need:

• A dependable desktop or laptop computer.

• Reliable high-speed internet.

• Webcam and microphone capability.

• Phone access.

• A quiet, professional workspace.

• Basic computer proficiency.

• Comfort learning Zoom and web-based systems.

The company provides access to designated business presentation and electronic enrollment tools.

Personal computer equipment and home internet service are not provided or reimbursed.

Professional Support and Recognition

Qualifying representatives may have access to:

• Medical insurance reimbursement opportunities.

• Company-supported life insurance.

• Accidental Death Benefit coverage.

• Renewal and residual income opportunities.

• Professional mentorship.

• Leadership-development programs.

• Union representation where applicable.

• Digital business tools.

• Performance recognition programs.

Medical reimbursement is not traditional employer-sponsored health insurance.

Eligibility, production, and qualification requirements apply.

Recognition and Incentives

Qualifying representatives may have opportunities to participate in:

• Performance bonuses.

• Achievement recognition.

• Company-sponsored incentive travel.

• Leadership conferences.

• Professional-development events.

• Team recognition programs.

These opportunities are performance-based and are not guaranteed.

Who We're Looking For

We're interested in individuals who demonstrate:

• Friendly, professional communication.

• Strong listening and relationship-building skills.

• Customer-focused thinking.

• Dependability and accountability.

• A positive attitude and willingness to learn.

• Strong organization and time management.

• Comfort working independently.

• Ability to collaborate with a virtual team.

• Basic computer proficiency.

• Interest in helping individuals and families.

• Motivation to work toward performance goals.

• Coachability and openness to feedback.

Experience in customer service, retail, hospitality, healthcare, banking, education, administration, military service, call centers, client relations, or sales may be helpful but is not required.

Minimum Requirements

Applicants must:

• Be at least 18 years old.

• Reside within an eligible U.S. location.

• Be legally authorized to work in the United States.

• Have access to a dependable computer or laptop.

• Maintain reliable high-speed internet.

• Have webcam and microphone capability.

• Maintain a professional home workspace.

• Be comfortable conducting Zoom and phone appointments.

• 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.

• Meet applicable licensing and background requirements.

Career Growth and Leadership Development

Representatives who demonstrate strong performance, professionalism, consistency, and leadership ability may qualify for additional responsibilities involving:

• Senior client benefits services.

• Training and mentoring.

• Team coaching.

• Recruiting.

• Team leadership.

• Sales management.

• Advanced professional development.

Advancement depends on qualifications, performance, and available opportunities.

Leadership advancement is not guaranteed.

About AO South | Globe Life

AO South operates within the American Income Division of Globe Life, helping working families understand available life, accident, and supplemental health insurance benefits.

Our virtual business model combines client service, benefits education, consultative insurance sales, professional mentorship, and performance-based development.

We emphasize integrity, accountability, professionalism, teamwork, and continued learning.

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 opportunity, compensation structure, licensing requirements, training, client process, and professional-development opportunities.

Interested candidates may then participate in a live Zoom interview with our hiring team.

Ready to Start Your Remote Career?

If you're motivated to help families, build valuable professional skills, and explore a flexible career combining customer service and insurance sales, we'd like to hear from you.

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

Apply today with your updated resume to be considered for our Remote Customer Benefits Advisor opportunity with AO South | Globe Life.

Work From Home. Help Families. Build Relationships. Grow Your Future.

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.