Life Insurance Specialist - Michigan

About the Role

The Auto Club Group (ACG) is seeking a Field Life Agent who will customarily and regularly be engaged in outside sales activities away from their assigned AAA branch. You will drive new business with competitive products and help retain ACG’s 14+ million members by soliciting and selling Life & Health insurance and Annuity products under minimal supervision, primarily within ACG branch locations.

Responsibilities

• Achieve established sales goals through thorough knowledge of product features and marketing/sales techniques.
• Develop leads and prospects for new accounts via outbound/inbound phone calls, mailings, referrals, networking, website, seminars, etc.
• Prepare proposals and close sales of Life, Health, Annuity, Membership, and Financial Services products.
• Complete applications, forms, and follow internal processing procedures to ensure compliance with company policies.
• Work collaboratively with branch teams to maximize leads, sales opportunities, and cross-sell potential.
• Assist Underwriting and Brokerage Departments in satisfying requirements.
• Respond to customer inquiries and problems, ensuring sound sales practices are used.
• Prepare reports documenting prospecting and sales activities, maintaining specified production standards and persistency levels.
• Assess and reflect customer insurance requirements consistent with company standards when writing policies.
• Prospect and develop new sales opportunities to meet production requirements.
• Keep partners and branch management informed on sales and disposition of leads.
• Articulate tax and legal impacts of products to customers.
• Represent Auto Club Life professionally and positively.
• Safely operate a motor vehicle to travel to meetings or community events.

Requirements

• Possession of valid State Life Sales licenses.
• Ability to take and pass LUTC or CLU coursework.
• Maintain Life and Health licenses required to sell products.
• Possession of a valid State driver’s license.
• Must qualify, obtain, and maintain all applicable state licenses and appointments for selling and/or servicing Auto Club Group Membership products.
• High School diploma or equivalent.
• Minimum of 2 years' experience with a proven record of successfully soliciting and selling life insurance products.
• Experience selling intangible products.

Qualifications

• Strong working knowledge of Life Insurance and Annuity products and services.
• Ability to listen to and analyze customer needs, making recommendations that promote a positive Member experience.
• Effectively communicate complex information clearly to prospective clients.
• Ability to prepare proposals and conduct closing interviews for Life and Annuity products.
• Perform mathematical calculations to determine premiums and values of Life insurance and financial products.
• Strong relationship-building skills with customers.
• Ability to work collaboratively with team members to attain business goals.
• Strong organization, planning, time management, and administrative skills.
• Proficient writing skills for routine correspondence.
• Ability to work independently with minimal supervision.
• Good PC skills, including word processing, spreadsheet, presentation, and email.

Pay

• Annual Base Pay: $28,500 (non-exempt, eligible for overtime).
• Average Earnings: $75,000 - $100,000 (base plus commissions).
• Unlimited income potential with elevated tiered commissions for the first 12 months.
• $5,000 Sign-On Bonus: $2,500 paid after 30 days of employment, $2,500 paid after 90 days of employment.
• Unlimited leads provided at no cost.

Benefits

• Medical, dental, and vision benefits.
• 401k Match.
• Paid parental leave and adoption assistance.
• Paid Time Off (PTO), company-paid holidays, CEO days, and floating holidays.
• Paid volunteer day annually.
• Tuition assistance program and professional certification reimbursement.
• Professional development opportunities.
• AAA Membership Discounts, perks, and rewards.
• Annual Sales Incentive Trip.

Schedule

Works in a temperature-controlled office environment. Limited travel required for community events, with exposure to road hazards and temperature extremes.

Work Environment

The Auto Club Group (ACG) provides membership, travel, insurance, and financial services to approximately 14+ million members across 14 states and 2 U.S. territories. ACG is part of the national AAA federation and is the second-largest AAA club in North America. The role involves outside sales activities away from the assigned AAA branch.