Life Insurance Specialist - Farmington Hills, MI

Auto Club Group • Farmington Hills, MI

5d • 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 member needs, close sales, and achieve production goals. The specialist works primarily within an ACG branch and collaborates with branch partners to maximize referrals, cross-selling opportunities, and long-term member satisfaction.

The position is based in a temperature-controlled office, with limited travel for community events. The schedule is Monday through Friday, 8:30 a.m. to 5:30 p.m.; the role also requires the ability and willingness to work irregular hours, including evenings and weekends. Compensation includes a guaranteed annual base pay of $28,000 and commissions, with stated average earnings of $75,000–$100,000 (base plus commissions) and unlimited income potential. A $5,000 sign-on bonus is paid in two installments: $2,500 after 30 days and $2,500 after 90 days of employment.

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.
• 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.
• Ability and willingness to work irregular hours, including evenings and weekends.
• Regular and reliable attendance is essential.
• Applicants offered employment must consent to a background and drug screen based on position requirements.

Responsibilities

• Solicit and sell Life and Health insurance and Annuity products, primarily within an ACG branch, 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, and use sound sales practices with customers.
• Respond to customer inquiries and problems.
• Build sales opportunities through customer engagement and follow-up.
• Complete appropriate applications and forms and follow internal processing procedures so 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 others in the Branch to reach business goals and maximize leads, sales, and cross-sell opportunities.
• Assist Underwriting and Brokerage Departments in satisfying requirements.

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; 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 a 50% company match on employee contributions up to 6% of pay, immediate vesting of the match, and an additional company contribution of 4% of pay each pay day, vested after three years of service.
• Health Savings Account and Flexible Spending Account options.
• Accrual-based paid time off for eligible employees.
• Company-paid holidays, plus a mental health day, floating holidays, and a volunteer day for eligible 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.
• $5,000 sign-on bonus paid in two installments.
• Commission compensation with unlimited income potential and new elevated tiered commissions for the first 12 months.

What This Job Offers

• Job Type: Full-time
• Education Level: High school or GED