Life Sales Agent

About the role

The Life Specialist Trainee role is an entry-level position for life insurance sales. Life Specialist Trainees present and sell life insurance policies to both new and existing members. They conduct comprehensive needs assessments to understand members’ financial goals and risk profiles, provide transparent information about policy options and costs, and support members in completing accurate paperwork in compliance with industry and club regulations. Life Specialists serve as trusted authorities, offering expert advice to members and branch partners, while identifying cross-sell opportunities and contributing to business objectives.

Responsibilities

• Market life insurance policies to potential and existing members in a high-volume, low-pressure sales environment.
• Conduct comprehensive needs assessments to understand members’ financial goals and risk tolerance.
• Provide clear and concise information on policy options, benefits, and costs.
• Assist members with completing necessary paperwork and ensure all documents are accurate and compliant with industry regulations.
• Develop and maintain strong working relationships with Property and Casualty Sales Partners, offering life sales support and training on lead development and identification.
• Identify and develop sales lists from referrals and leads shared by Property and Casualty Sales Partners.
• Promptly respond to member and insured inquiries, including providing policy quotes, assessing current coverages, conducting needs assessments, and overseeing existing policies.
• Identify cross-sell opportunities based on members’ product needs and service requests, enhancing member relationships by diversifying product and service usage.
• Provide sales leads to insurance, travel, and other departments as appropriate.
• Deliver high-quality service by addressing inquiries promptly and professionally, resolving issues, and maintaining regular follow-up to ensure satisfaction and retention.
• Serve members and insureds in person, by telephone, email, fax, or correspondence.
• Process insurance and membership changes for existing policies and/or membership records.
• Compile and complete accurate documentation for all transactions.
• Develop an individual business plan with input from the Life Sales Manager to meet goals, including new business life sales, quality standards, and building outstanding customer relationships.
• Review plan objectives and reassess strategies to align performance with annual sales goals.
• Ensure compliance with ACE and AAA Life regulations, as well as external regulations.
• Interact with staff from ACE Life Operations and AAA Life Insurance Company regarding underwriting and policy services issues.

Qualifications

• Bachelor’s degree preferred.
• 1–3 years of insurance sales or sales experience preferred.
• Moderate proficiency in Microsoft Word and Excel.
• Advanced interpersonal skills required.
• Highly competitive and persistent nature strongly desired.
• Must maintain current knowledge of life insurance products and policy provisions.
• Life insurance license valid in the selling state, issued within 30 days required.
• Valid driver’s license with acceptable DMV record and minimum liability insurance, issued by state required.
• Must qualify, obtain, and maintain all applicable state licenses and appointments required for selling and/or servicing Auto Club Enterprises membership and life insurance products within 30 days required.
• Must maintain all continuing education requirements to maintain license within 30 days required.

Travel Requirements

• Occasional travel to off-site business meetings or conferences (approximately 5%).

Benefits

• Health coverage for medical, dental, and vision.
• 401(k) savings plans with company match and pension.
• Tuition assistance.
• Floating holidays and PTO for community volunteer programs.
• Paid parental leave.
• Wellness programs.
• Employee discounts on membership, insurance, travel, entertainment, services, and more.