Virtual Client Care Representative

Company: Globe Life AO – American Income Division
Location: Albuquerque, NM 87102 | 100% Remote
Schedule: Flexible | Full-Time Availability Preferred
Position 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

Start a Career Helping Families — From the Comfort of Home

Are you looking for a fully remote career where you can develop valuable professional skills, build meaningful relationships, and pursue long-term opportunities for financial and professional growth?

Globe Life AO is seeking motivated, friendly, and service-oriented individuals to join our expanding virtual team as Virtual Client Care Representatives.

In this position, you'll connect with working families, veterans, labor union members, credit union members, and eligible association members through scheduled Zoom and phone appointments.

You'll help clients understand available life, accident, and supplemental health insurance benefits, answer questions, identify coverage needs, provide appropriate recommendations once licensed, assist with electronic enrollment, and maintain long-term client relationships.

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

Whether you're entering the workforce, returning after time away, or exploring a career change, we provide structured training, licensing guidance, mentorship, and ongoing professional development.

No previous insurance experience is required to apply.

Opportunity Highlights

• 100% Remote — Work From Home

• Entry Level — No Insurance Experience Required

• Company-Provided Client Opportunities

• No Traditional Cold Calling

• No Door-to-Door Prospecting

• No Lead Purchasing Required

• Weekly Commission-Based Compensation

• Performance Bonuses

• Renewal & Residual Income Opportunities

• Flexible Scheduling

• Comprehensive Training & Mentorship

• Performance-Based Leadership Opportunities

What You'll Do

As a Virtual Client Care Representative, you'll help prospective and existing clients understand their insurance benefits and receive professional service throughout their experience.

Client Consultations & Benefits Education

• Connect with company-provided client opportunities and existing clients.

• Schedule and conduct virtual Zoom and phone appointments.

• Build rapport and establish professional client relationships.

• Ask questions to understand individual and family financial-protection needs.

• Listen carefully to client questions and concerns.

• Explain available life, accident, and supplemental health insurance options.

• Answer questions about coverage, benefits, and policy features.

• Provide appropriate, needs-based recommendations once licensed.

• Assist eligible clients with electronic applications and enrollment.

• Maintain accurate digital records and appointment schedules.

Customer Care & Ongoing Support

• Welcome clients and explain applicable enrollment next steps.

• Provide professional follow-up customer service.

• Assist with applicable policy and benefits reviews.

• Help clients understand available policy-service options.

• Assist with beneficiary information and applicable policy service requests.

• Direct clients through appropriate claims-support processes.

• Maintain accurate documentation and follow-up records.

• Follow company procedures and applicable state insurance requirements.

Training & Professional Development

• Participate in structured virtual onboarding.

• Attend applicable team meetings, training, and coaching sessions.

• Strengthen customer-service and communication skills.

• Develop confidence in virtual presentations.

• Learn digital enrollment and client-management systems.

• Receive mentorship from experienced representatives and agency leadership.

• Work toward individual production and professional-development goals.

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:

Client Outreach: Contact interested individuals, respond to inquiries, confirm appointments, and conduct follow-up.

Virtual Consultations: Meet with clients through Zoom or phone to discuss their needs and available benefits.

Benefits Education: Explain insurance products and coverage options clearly and professionally.

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

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

Training & Coaching: Participate in virtual product education, professional-development sessions, and mentorship.

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

Company-Provided Client Opportunities

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

No lead purchasing is required.

The position may involve outbound calls, appointment scheduling, and client follow-up.

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

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

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 business

• Performance-based bonuses

• Renewal and residual income opportunities

• Leadership compensation for qualifying representatives

• Additional recognition and incentive programs

Individual earnings depend on completed business, productivity, 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.

100% Remote — Work From Home

Client appointments, training, coaching, applications, and team communication are conducted virtually.

Representatives use technology such as:

• Zoom

• Phone and email

• Digital presentation systems

• Electronic enrollment platforms

• Client-management tools

• Online training resources

Required Home Office Equipment

Applicants must provide:

• Reliable desktop or laptop computer

• High-speed internet connection

• 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.

Flexible Scheduling With Accountability

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

Successful representatives are self-motivated, dependable, organized, and comfortable managing their own schedules.

Comprehensive Training & Mentorship

Required Insurance Experience: 0 Years

Previous insurance experience is not required.

Training and professional development may include:

• Structured virtual onboarding

• State insurance licensing guidance

• Product and benefits education

• Customer-service development

• Client communication and relationship management

• Consultative sales techniques

• Virtual presentation skills

• Electronic enrollment procedures

• Digital documentation

• One-on-one mentorship

• Ongoing coaching

• Leadership development

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

State 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, including study materials, examinations, background screening, fingerprinting, and state fees.

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

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

• Performance recognition and incentive travel

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

Medical reimbursement is not the same as traditional employer-sponsored health insurance.

Career Growth & Leadership Opportunities

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

A potential career-development path includes:

Client Care Representative → Senior Benefits Advisor → Trainer/Mentor → Team Leader → Sales Management → Advanced Leadership

Future responsibilities may include:

• Training and mentoring newer representatives

• Coaching

• Recruiting

• Team development

• Performance accountability

• Leadership

Management 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 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 strong communication and interpersonal skills.

• Be professional, dependable, and self-motivated.

• Be able to work independently and manage a flexible schedule.

• Be comfortable with consultative insurance sales.

• 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

• Client Success

• Sales

• Insurance

• Account Management

• Retail

• Hospitality

• Healthcare

• Financial Services

• 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 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.

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.

Ready to Build Your Career From Home?

If you're motivated, enjoy working with people, and want to explore a remote career combining customer service, benefits education, consultative insurance sales, and professional growth, we encourage you to apply.

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 Virtual Client Care Representative opportunity with Globe Life AO.

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.