Life Insurance Specialist - Denver

AAA-The Auto Club Group•Cedar Grove, FL

4d•$75,000 - $100,000•Hybrid

About The Position

The Life Insurance Specialist solicits and sells Life and Health insurance and Annuity products, primarily at an Auto Club Group branch, with minimal supervision. The role develops prospects through inbound and outbound calls, mailings, referrals, networking, website inquiries, seminars, and other marketing activities. It prepares proposals and closes sales of Life, Health, Annuity, Membership, and Financial Services products while working toward established sales goals and production standards. The specialist completes applications and forms, follows internal transaction-processing procedures, documents prospecting and sales activity, and maintains required persistency levels. The role responds to customer inquiries, analyzes customer needs, recommends suitable products, and builds relationships through engagement and follow-up. It collaborates with branch colleagues to generate referrals and cross-selling opportunities and assists Underwriting and Brokerage Departments in meeting requirements. The position is based at the Denver branch, with limited travel for community events. Work is primarily in a temperature-controlled office; working remotely or virtually may be possible with supervisor approval. The schedule is Monday through Friday, 8:30 a.m. to 5:30 p.m., and the role requires willingness to work irregular hours, including evenings and weekends. Compensation includes a guaranteed annual base pay of $31,500 and commissions, with stated average earnings of $75,000–$100,000 and unlimited income potential. The posting also offers a $2,500 sign-on bonus, paid in two installments subject to the stated employment milestones. Benefits include medical, prescription, dental, and vision coverage; life and disability coverage; retirement and savings plans; paid time off and holidays; leave programs; tuition and certification assistance; complimentary AAA membership; and adoption assistance.

Requirements

Active, valid State Life license.
Maintain Life and Health licenses required to sell products.
Qualify for, obtain, and maintain applicable state licenses and appointments required to sell 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 to take and pass LUTC or CLU coursework; the detailed qualifications also list LUTCF, FSCP, or CLU coursework.
Strong working knowledge of Life Insurance and Annuity products and services.
Ability to assess customer needs and recommend suitable products, prepare proposals, and conduct closing interviews.
Ability to communicate complex information clearly and explain products’ tax and legal impacts to customers.
Ability to perform mathematical calculations involving premiums and financial-product values.
Ability to build and maintain customer relationships and develop sales opportunities while meeting production requirements.
Strong collaboration, communication, organization, planning, time-management, administrative, and writing skills.
Ability to work independently with minimal supervision and represent Auto Club Life professionally.
Good PC skills, including working knowledge of word processing, spreadsheets, presentations, and email.
Ability to safely operate a motor vehicle for travel to meetings or community events.
Ability and willingness to work irregular hours, including evenings and weekends.

Nice To Haves

College-level coursework.
LUTCF or FSCP certification.
Professional designations through the American College of Financial Services.
Strong knowledge of features and benefits of ACG’s comprehensive product portfolio.
Knowledge of ACG systems for policy sales and quoting.

Responsibilities

Solicit and sell Life and Health insurance and Annuity products, primarily within an ACG branch location.
Develop leads and prospects for new accounts through phone calls, mailings, referrals, networking, website inquiries, seminars, and other marketing activities.
Prepare proposals and close sales of Life, Health, Annuity, Membership, and Financial Services products.
Achieve established sales goals and maintain specified production standards and persistency levels for required products.
Maintain knowledge of product features, marketing techniques, and sales techniques, and use sound sales practices.
Respond to customer inquiries and problems; listen to and analyze customer needs and make suitable recommendations.
Build sales opportunities through customer engagement and follow-up.
Complete applications and forms and follow internal processing procedures and company policies.
Prepare reports documenting prospecting and sales activities.
Collaborate with branch colleagues to meet business goals and maximize leads, sales, referrals, and cross-selling opportunities.
Assist Underwriting and Brokerage Departments in satisfying requirements.
Keep branch partners and management informed about sales and the status of partner-generated leads.
Travel to meetings or community events as needed.

Benefits

$2,500 sign-on bonus, paid as $1,000 after 30 days of employment and $1,500 after 90 days.
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, including company matching and additional company contributions subject to the stated plan terms.
Health Savings Account and Flexible Spending Account options.
Accrual-based paid time off, subject to eligibility and applicable terms.
Company-paid holidays, mental health day, floating holidays, and volunteer day, subject to eligibility and applicable terms.
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.