Life Insurance Specialist - Midland, MI

AAA-The Auto Club Group•Midland, MI

1d•$75,000 - $100,000•Onsite

About The Position

The Life Insurance Specialist drives growth as a Field Life Agent by building relationships, developing leads, and helping members protect their futures through Life, Health, Annuity, Membership, and Financial Services products. The role combines consultative sales, product knowledge, and customer service to identify needs, close sales, and meet production goals. The specialist collaborates with branch partners to maximize referrals and cross-selling opportunities and support long-term member satisfaction. The position is based primarily within an ACG branch in a temperature-controlled office. The schedule is Monday through Friday, 8:30 a.m. to 5:30 p.m. Irregular hours, including evenings and weekends, may be required. Limited travel for community events is required, with exposure to road hazards and temperature extremes. A $5,000 sign-on bonus is paid in two installments: $2,500 after 30 days of employment and $2,500 after 90 days. Compensation includes a guaranteed annual base pay of $28,000, plus commissions, with unlimited income potential. Average earnings are stated as $75,000–$100,000, base plus commissions. New elevated tiered commissions apply during the first 12 months. The position is hourly and non-exempt, with overtime eligibility noted. Benefits include medical coverage options, prescription drug coverage, dental and vision benefits, an Employee Assistance Program, life and disability insurance options, critical illness, accident and pet insurance options, a 401(k) with company contributions, HSA and FSA options, paid time off, paid holidays, a mental health day, floating holidays, volunteer leave, and paid parental, bereavement, jury duty, and military leave. Additional offerings include tuition assistance, professional certification reimbursement, career development opportunities, complimentary AAA membership, and adoption assistance.

Requirements

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

Responsibilities

Solicit and sell Life and Health insurance and Annuity products under minimal supervision, primarily within an ACG branch.
Develop leads and prospects for new accounts through calls, mailings, referrals, networking, website inquiries, and seminars.
Prepare proposals and close sales of Life, Health, Annuity, Membership, and Financial Services products.
Achieve established sales goals.
Maintain thorough knowledge of product features, marketing techniques, and sales techniques.
Use sound sales practices when working with customers.
Respond to customer inquiries and problems.
Build sales opportunities through customer engagement and follow-up.
Complete appropriate applications and forms.
Follow internal processing procedures to ensure transactions comply with company policies and practices.
Prepare reports documenting prospecting and sales activities.
Maintain specified production standards and persistency levels for required products.
Collaborate with branch colleagues to reach business goals and maximize leads, sales, and cross-sell opportunities.
Assist Underwriting and Brokerage Departments in satisfying requirements.

Benefits

$5,000 sign-on bonus, paid as $2,500 after 30 days and $2,500 after 90 days.
Guaranteed annual base pay of $28,000 plus commissions; unlimited income potential and new elevated tiered commissions for the first 12 months.
Medical plans with multiple coverage options, including HSA eligibility.
Prescription drug coverage.
Dental and vision benefits.
Employee Assistance Program.
Company-paid basic life insurance and optional supplemental life and dependent coverage.
Short-term and long-term disability coverage.
Critical illness, accident, and pet insurance options.
401(k) plan with company contributions and matching.
Health Savings Account and Flexible Spending Account options.
Accrual-based paid time off, with up to 12 PTO days annually for full-time new employees and eligibility at 90 days.
10 company-paid holidays annually for full-time employees, plus one mental health day, two floating holidays, and one volunteer day.
Paid parental, bereavement, jury duty, and military leave.
Tuition assistance up to $5,250 annually, with 80% covered by ACG.
100% reimbursement for eligible professional certification programs.
Career development and advancement opportunities.
Complimentary AAA membership with roadside assistance and travel discounts.
Adoption assistance program.