Life Insurance Specialist - Denver

Auto Club Group•Denver, CO

2d•Hybrid

About The Position

The Life Insurance Specialist solicits and sells Life and Health insurance, Annuity, Membership, and Financial Services products, primarily within an Auto Club Group (ACG) branch. The role combines consultative sales, product knowledge, lead development, and customer service to identify member needs, prepare proposals, close sales, achieve established production goals, and support long-term member satisfaction. The specialist develops prospects through calls, mailings, referrals, networking, website inquiries, seminars, and other marketing activities. The role requires maintaining required licenses and appointments, completing applications and documentation in accordance with company procedures, meeting production and persistency standards, and collaborating with branch partners, Underwriting, and Brokerage to support referrals and cross-selling. The position has no supervisory responsibilities and reports to the Life Sales Manager I. The position is based primarily in a temperature-controlled office. Limited travel may be required for community events, with exposure to road hazards and temperature extremes. Work from a remote or virtual environment may be possible with supervisor approval. The schedule is Monday through Friday, 8:30 a.m. to 5:30 p.m.; the role also requires willingness to work irregular hours, including evenings and weekends. Compensation includes a guaranteed annual base pay of $31,500 and average earnings of $75,000–$100,000, base plus commissions, with unlimited income potential and elevated tiered commissions during the first 12 months. A $2,500 sign-on bonus is paid in two installments: $1,000 after 30 days of employment and $1,500 after 90 days. Benefits include health and insurance coverage, retirement and savings programs, paid time off and leave, paid holidays, education assistance, professional certification reimbursement, and additional perks.

Requirements

High school diploma or equivalent.
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.
Ability to take and pass LUTCF, FSCP, or CLU coursework.
At least 2 years of experience with a proven record of successfully soliciting and selling life insurance products.
Experience selling intangible products.
Strong working knowledge of Life Insurance and Annuity products and services.
Ability to listen to and analyze customer needs and recommend suitable products.
Ability to communicate complex information clearly to prospective clients and explain tax and legal impacts of products to members.
Ability to prepare proposals and conduct closing interviews for Life and Annuity products.
Ability to assess customer insurance requirements in accordance with company standards when writing policies.
Ability to perform mathematical calculations to determine premiums and values of Life insurance and financial products.
Ability to build and maintain customer relationships, prospect for new sales opportunities, and meet production requirements.
Ability to work collaboratively and communicate with branch partners and management about sales and partner-generated leads.
Strong organization, planning, time-management, administrative, and writing skills.
Ability to represent Auto Club Life professionally, work independently with minimal supervision, and use good PC skills, including word processing, spreadsheets, presentations, and email.
Ability and willingness to work irregular hours, including evenings and weekends.
Ability to safely operate a motor vehicle for travel to meetings or community events.

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.
Develop leads and prospects for new accounts through 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 required production standards and persistency levels.
Maintain knowledge of product features, marketing techniques, and sales techniques, and use sound sales practices.
Respond to customer inquiries and problems, engage with customers, and follow up to build sales opportunities.
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, referrals, sales, and cross-selling opportunities.
Assist Underwriting and Brokerage Departments in satisfying requirements.
Travel to meetings or community events as required and safely operate a motor vehicle.

Benefits

Medical plans with multiple coverage options, including HSA eligibility, and 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 with company matching and additional company contributions, subject to eligibility and vesting terms.
Health Savings Account and Flexible Spending Account options.
Accrual-based paid time off, with full-time new employees eligible for up to 12 days annually after 90 days of employment.
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 programs.
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.
$2,500 sign-on bonus, paid after 30 and 90 days of employment.