American Income Life Insurance Company
Insurance
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Company: AO | American Income Division of Globe Life
Location: 100% Remote – United States
Schedule: Flexible
Experience: Entry-Level Welcome | No Prior Insurance Experience Required
Compensation: Commission-Based | Weekly Pay | Performance Incentives
Are you looking for a 100% remote career that combines flexibility, meaningful client relationships, professional development, and performance-based earning potential?
AO is expanding its nationwide virtual team and seeking motivated, service-oriented professionals to join us as Virtual Benefits Consultants.
In this role, you'll meet virtually with individuals and families interested in learning more about available life, accident, and supplemental health insurance benefits. You'll help clients understand their options, identify their needs, complete enrollment when appropriate, and receive continued support throughout the client relationship.
This opportunity combines customer service, benefits education, relationship management, and consultative insurance sales within a fully remote environment.
No previous insurance experience is required. We provide comprehensive training, licensing guidance, mentorship, and ongoing professional development.
✔ 100% Work From Home
✔ Flexible Schedule
✔ Qualified Client Opportunities Provided
✔ No Lead Purchasing Required
✔ Weekly Commission Pay + Performance Bonuses
✔ Renewal & Residual Income Opportunities
✔ Comprehensive Training & Mentorship
✔ Performance-Based Career Advancement
Meet with individuals and families through scheduled Zoom and phone appointments to:
Understand their needs and financial protection priorities
Explain available life, accident, and supplemental health insurance options
Answer questions regarding benefits, coverage, and policy features
Provide needs-based recommendations
Help clients evaluate available options
Guide clients through applications and enrollment
Assist with required documentation
Our approach emphasizes education, service, and trust—not high-pressure sales tactics.
Your responsibility doesn't necessarily end after enrollment.
You'll also have opportunities to:
Provide ongoing client service and follow-up
Answer policy and benefit questions
Assist with applicable policy reviews
Help with beneficiary and account information updates
Respond to client service requests
Maintain consistent communication
Build long-term relationships through professionalism and exceptional service
Build your career from home while staying connected to clients, mentors, and teammates through a modern virtual environment.
No daily commute
Flexible scheduling
Virtual client appointments
Remote coaching and development
Digital business systems
Collaborative virtual team environment
Since 2020, AO has operated within a virtual business model, allowing representatives to serve clients remotely while participating in online training, mentorship, and team development.
Representatives have access to individuals interested in learning more about available benefits.
This allows you to focus your time on:
Scheduled client conversations
Benefits education
Needs analysis
Enrollment assistance
Relationship building
Ongoing client service
No lead purchasing is required.
This is a commission-based insurance opportunity rather than an hourly or salaried position.
Compensation opportunities may include:
Weekly commission payments
Performance-based bonuses
Renewal and residual income opportunities
Leadership incentives as applicable
Performance recognition programs
Additional advancement opportunities
There is no predetermined hourly wage limiting commission earnings; however, compensation is directly tied to individual activity, production, consistency, and results.
Individual earnings vary based on performance and business results. No specific income level is guaranteed.
We welcome motivated professionals from a wide variety of backgrounds.
Training and professional development may include:
Structured virtual onboarding
Insurance product and benefits education
Client-service training
Needs-analysis development
Consultative sales training
Virtual presentation skills
Application and enrollment procedures
Weekly coaching and workshops
One-on-one mentorship
Leadership development
Ongoing professional education
Candidates who are not currently licensed will also receive guidance through the state insurance licensing process.
AO provides opportunities for motivated representatives interested in developing professionally and pursuing future leadership responsibilities.
Growth opportunities may include:
Advanced client responsibilities
Mentoring newer representatives
Training and coaching
Team development
Leadership roles
Management development
Professional conferences
Advanced leadership opportunities
Advancement is based on performance, consistency, initiative, professional development, and demonstrated leadership ability rather than tenure alone.
Qualifying representatives may have access to:
Company-supported life insurance
Accidental Death Benefit (ADB) coverage
Medical reimbursement program
Renewal and residual income opportunities
Outstanding performance may qualify representatives for:
Company-sponsored incentive travel
Leadership conferences
Recognition programs
Professional development experiences
Performance contests and awards
Team events and retreats
Access modern virtual systems, training resources, and business technology designed to support client service, productivity, and professional development.
Eligibility, qualification periods, and performance requirements may apply to applicable programs and incentives.
Successful candidates typically demonstrate:
Excellent verbal and written communication
Strong active-listening skills
Positive and professional attitude
Natural relationship-building abilities
Strong problem-solving skills
Self-motivation and personal accountability
Dependable work ethic
Effective organization and time management
Ability to work independently from home
Comfort collaborating with a virtual team
Coachability and openness to feedback
Commitment to continuous learning
Genuine desire to help others
Previous experience can be helpful in:
Customer Service • Sales • Retail • Hospitality • Healthcare • Education • Recruiting • Banking • Financial Services • Administrative Support • Client Relations • Call Centers • Leadership • Management
However, previous insurance experience is not required.
We value communication, professionalism, work ethic, coachability, and willingness to learn.
Applicants must:
Be at least 18 years of age
Be legally authorized to work in the United States
Be physically located within the United States
Have access to a computer or laptop
Maintain reliable high-speed internet
Have webcam and microphone capability
Maintain a quiet, professional workspace
Be comfortable conducting virtual appointments
Be willing to complete required training
Hold or be willing and able to obtain the appropriate state Life & Health Insurance License
Licensing guidance is provided for candidates who are not currently licensed.
Qualified applicants will first complete a brief career overview covering:
Position responsibilities
Commission-based compensation
Licensing expectations
Training and mentorship
Client process
Benefits and incentives
Career advancement opportunities
Candidates interested in continuing will then have the opportunity to participate in a live Zoom interview with our hiring team.
All interviews are conducted virtually for convenience and accessibility.
If you're looking for a flexible, work-from-home career where you can help families, develop valuable professional skills, build long-term client relationships, and create income and advancement opportunities through your performance, we'd like to hear from you.
After you apply, unlock the direct contact details of the people who actually make the call. A quick follow-up makes you 5x more likely to land an interview.
Marcus Rivera
Chief Revenue Officer
Sargent & Lundy
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American Income Life Insurance Company
