Virtual Customer Benefits Representative

AIL•Phoenix, AZ

2d•Remote

About The Position

AO Globe Life is seeking motivated, service-oriented individuals to join our virtual team as Virtual Customer Benefits Representatives. In this position, you'll help individuals and families understand available life insurance and supplemental health benefits through scheduled Zoom and phone consultations. You'll connect with interested clients, identify their needs, explain coverage options, assist with electronic enrollment once appropriately licensed, and provide ongoing customer service. This role combines customer service, benefits education, client relationship management, and consultative insurance sales. No previous insurance experience is required. We provide structured training, licensing guidance, virtual business tools, and ongoing mentorship.

Requirements

Be at least 18 years old.
Be physically located within an eligible U.S. location.
Be legally authorized to work in the United States.
Have a reliable computer or laptop.
Maintain dependable high-speed internet.
Have webcam and microphone capability.
Maintain a quiet, professional home workspace.
Be comfortable communicating through Zoom and phone.
Demonstrate strong communication and interpersonal skills.
Be professional, dependable, and self-motivated.
Be able to work independently and manage a flexible schedule.
Be comfortable with consultative insurance sales.
Understand the commission-only compensation structure.
Be willing to complete applicable training.
Hold or be willing and able to obtain the required state Life & Health Insurance License.
Be able to complete applicable state licensing and background requirements.
Provide their own computer/laptop, webcam, reliable high-speed internet, and professional remote workspace
Complete required training and participate in virtual meetings
Obtain the appropriate state Life & Health Insurance License before conducting licensed insurance activities
Complete applicable pre-licensing coursework, examinations, and state licensing requirements at the candidate’s expense

Nice To Haves

Previous experience in any of the following may be helpful: Customer Service, Client Relations, Account Management, Insurance, Sales, Retail, Hospitality, Healthcare, Financial Services, Call Centers, Leadership, Coaching, Team Development.

Responsibilities

Connect with company-provided warm leads and existing clients.
Schedule and conduct virtual appointments through Zoom and phone.
Ask questions to understand individual and family financial-protection needs.
Build professional relationships through clear, responsive communication.
Answer client questions regarding benefits and coverage options.
Follow up with prospective and existing clients.
Maintain accurate digital client information and appointment records.
Provide ongoing customer service and applicable policy reviews.
Assist with beneficiary information and policy service requests.
Explain available life insurance and supplemental health coverage.
Educate clients about policy features, benefits, and enrollment options.
Provide needs-based recommendations once appropriately licensed.
Assist eligible clients with electronic applications and enrollment.
Review application information for completeness.
Explain applicable next steps after enrollment.
Follow company procedures and state insurance requirements.
Participate in structured virtual onboarding.
Attend applicable team meetings, training, and coaching.
Develop professional communication and presentation skills.
Learn digital enrollment and client-management systems.
Receive mentorship from experienced representatives and agency leadership.
Work toward individual production and professional-development goals.
Client Outreach: Contact interested individuals, respond to inquiries, confirm appointments, and conduct follow-up.
Virtual Consultations: Meet with clients through Zoom or phone to discuss their needs and available benefits.
Benefits Education: Explain insurance products and coverage options clearly and professionally.
Enrollment Assistance: Once licensed, help eligible clients complete electronic applications and required documentation.
Client Support: Answer policy questions, assist with applicable coverage reviews, and maintain client relationships.
Training & Coaching: Participate in virtual product education, professional-development sessions, and mentorship.
Independent Organization: Manage your schedule, appointments, digital records, and daily business activity from your home office.
Representatives receive access to company-provided client opportunities, including individuals and families who have requested or expressed interest in receiving benefit information.
The position may involve outbound calls, appointment scheduling, and client follow-up.
Our approach emphasizes client education, professional recommendations, enrollment assistance, and long-term service.
Training is provided at no cost but is not hourly compensated.
Representatives who demonstrate strong results, professionalism, consistency, and leadership potential may pursue additional responsibilities.
Future responsibilities may include: Training and mentoring newer representatives, Coaching, Recruiting, Team development, Performance accountability, Leadership.