Life Insurance Specialist - Grosse Pointe, MI

AAA-The Auto Club Group•Grosse Pointe, MI

17h•$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, meet production goals, and support long-term member satisfaction. The position works primarily within an ACG branch and collaborates with branch partners to develop referrals and cross-selling opportunities. The role is based at 21304 Mack Ave, Grosse Pointe, Michigan, and is scheduled Monday through Friday, 8:30 a.m. to 5:30 p.m. It is a full-time, hourly, non-exempt position. The work environment is a temperature-controlled office. Irregular hours, including evenings and weekends, may be required. Limited travel for community events is required, with exposure to road hazards and temperature extremes. 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, including base pay and commissions. The position offers a $5,000 sign-on bonus, paid in two installments: $2,500 after 30 days of employment and $2,500 after 90 days. New elevated tiered commissions apply during the first 12 months. Benefits include medical plans, prescription coverage, dental and vision benefits, an Employee Assistance Program, company-paid basic life insurance, optional supplemental life and dependent coverage, short- and long-term disability, and optional critical illness, accident, and pet insurance. Retirement offerings include a 401(k), company matching contributions, an additional company contribution, and HSA and FSA options. Time-off benefits include accrual-based PTO, paid holidays, a mental health day, floating holidays, a volunteer day, and paid parental, bereavement, jury duty, and military leave. The company also offers tuition assistance, eligible 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.
Qualify for, obtain, and maintain all applicable state licenses and appointments required to sell and/or service 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.
Ability and willingness to work irregular hours, including evenings and weekends.
Ability to perform the job's stated duties; reasonable accommodations are available for otherwise qualified applicants as needed.
Consent to a background and drug screen if offered employment.

Responsibilities

Solicit and sell Life and Health insurance and Annuity products, primarily within an ACG branch location, under minimal supervision.
Develop leads and prospects for new accounts through phone 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 required production standards and persistency levels for specified products.
Work collaboratively with others in the Branch to reach business goals.
Maximize leads, sales opportunities, and cross-selling 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 of employment.
Guaranteed annual base pay of $28,000 plus commissions; unlimited income potential and new elevated tiered commissions during 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 insurance and dependent coverage.
Short-term and long-term disability coverage.
Optional critical illness, accident, and pet insurance.
401(k) plan, company matching contributions, and an additional company contribution.
Health Savings Account and Flexible Spending Account options.
Accrual-based paid time off, eligible after 90 days of employment.
Up to 12 PTO days annually for full-time new employees, subject to accrual and applicable role or location requirements.
10 company-paid holidays annually for full-time employees.
One mental health day, two floating holidays, and one volunteer day for full-time employees.
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.