Company: AO – American Income Division of Globe Life
Work Arrangement: 100% Remote | U.S. Residents Only
Schedule: Flexible
Experience: Entry-Level Welcome | Training & Mentorship Provided
Compensation: Commission-Based | Weekly Pay | Performance Incentives
Are you looking for a career where you can help people, build meaningful relationships, work from home, and create long-term professional and financial growth through your performance ?
AO is seeking motivated, service-oriented professionals to join our growing virtual team as Financial Protection Advisors .
In this role, you'll meet virtually with individuals and families interested in learning more about available life, accident, and supplemental health insurance benefits . You'll help clients understand their options, identify their protection needs, complete enrollment when appropriate, and receive continued support throughout the client relationship.
This opportunity combines customer service, financial protection education, relationship management, and consultative insurance sales within a fully remote environment.
No previous insurance experience is required. We provide comprehensive training, licensing guidance, mentorship, and ongoing professional development.
✔ 100% Work From Home
✔ Flexible Schedule
✔ Qualified Client Opportunities Provided
✔ No Lead Purchasing Required
✔ Weekly Commission Pay + Performance Bonuses
✔ Renewal & Residual Income Opportunities
✔ Comprehensive Training & Mentorship
✔ Performance-Based Leadership Advancement
You'll become a trusted resource for individuals and families by helping them understand available protection options.
Responsibilities include:
Conduct scheduled virtual consultations through Zoom and phone
Identify individual and family financial protection needs
Explain available life, accident, and supplemental health insurance options
Review coverage features and available benefits
Answer client questions clearly and professionally
Provide needs-based recommendations
Help clients make informed coverage decisions
Guide clients through applications and enrollment
Assist with required documentation
Maintain accurate digital client records
Our approach emphasizes education, service, and trust—not high-pressure sales tactics.
Financial protection needs can change as families grow and circumstances evolve.
You'll help provide ongoing service through:
Policy and benefit questions
Coverage reviews
Beneficiary information updates
Policy service requests
Follow-up communication
Claims-related guidance when applicable
Changes in family protection needs
The goal is to develop long-term client relationships built on professionalism, trust, and exceptional service .
Since 2020, AO has operated within a virtual business environment, allowing representatives to serve clients and build their careers remotely.
Enjoy:
No daily commute
Flexible scheduling
Virtual client appointments
Remote coaching and mentorship
Digital business systems
Collaborative virtual team environment
You'll have flexibility while also maintaining the discipline, accountability, and consistency required to serve clients effectively.
Representatives connect with individuals interested in receiving information about available benefits and financial protection options.
This allows you to focus on:
Scheduled client conversations
Benefits education
Needs analysis
Enrollment assistance
Relationship building
Ongoing client support
No lead purchasing is required.
This is a commission-based insurance opportunity rather than an hourly or salaried position .
Earning opportunities may include:
Weekly commission payments
Performance-based bonuses
Renewal and residual income
Leadership incentives as applicable
Recognition programs
Additional performance rewards
There is no predetermined cap on commission earnings; however, compensation is directly tied to individual activity, production, consistency, and results .
Individual earnings vary. No specific income level is guaranteed.
You don't need an insurance background to be considered.
We provide structured training and ongoing support that may include:
Virtual onboarding
Insurance product and benefits education
Client needs-assessment training
Customer-service development
Consultative sales training
Virtual presentation skills
Enrollment procedures and systems
Weekly coaching
One-on-one mentorship
Leadership development
Ongoing professional education
Candidates who aren't currently licensed will also receive guidance through the state Life & Health Insurance licensing process .
AO provides a performance-based development path for representatives interested in taking on additional responsibility.
Opportunities may include:
Advisor → Mentor → Trainer → Team Leadership → Management → Advanced Leadership
Advancement may involve:
Mentoring newer representatives
Training and professional development
Team building
Coaching responsibilities
Leadership development
Management opportunities
Professional conferences
Advanced leadership roles
Advancement is based on performance, consistency, initiative, professional development, and demonstrated leadership ability—not simply tenure .
Qualifying representatives may have access to:
Medical reimbursement program
Company-supported life insurance
Accidental Death Benefit coverage
Renewal and residual income opportunities
Leadership development programs
Professional conferences
Performance recognition
Coaching and mentorship
Virtual business technology and resources
Qualifying performers may have opportunities to earn:
Company-sponsored incentive travel
Leadership events
Recognition experiences
Performance contests
Additional awards and incentives
Eligibility, qualification periods, and performance requirements may apply.
Successful candidates typically demonstrate:
Genuine desire to help others
Excellent verbal and written communication
Strong interpersonal and relationship-building skills
Active listening and problem-solving abilities
Professionalism, honesty, and integrity
Self-motivation and personal accountability
Positive, solutions-focused attitude
Strong organization and time management
Ability to work independently from home
Ability to collaborate effectively within a virtual team
Coachability and openness to feedback
Commitment to continuous learning
Strong work ethic and dependable follow-through
Previous experience can be helpful in:
Customer Service • Healthcare • Education • Retail • Hospitality • Financial Services • Banking • Sales • Client Relations • Recruiting • Administrative Support • Account Management • Leadership
However, previous insurance experience is not required .
We place significant value on communication skills, integrity, professionalism, coachability, and willingness to learn .
Applicants must:
Be at least 18 years of age
Be legally authorized to work in the United States
Be physically located within the United States
Have access to a computer or laptop
Maintain reliable high-speed internet
Have webcam and microphone capability
Maintain a quiet, professional workspace
Be comfortable conducting virtual client appointments
Be willing to complete required training
Hold or be willing and able to obtain the appropriate state Life & Health Insurance License
Licensing guidance is provided for candidates who are not currently licensed.
Qualified applicants will first complete a brief career overview covering:
Position responsibilities
Commission-based compensation
Licensing requirements
Training and mentorship
Client process
Benefits and incentives
Career advancement opportunities
Candidates interested in continuing will then have the opportunity to participate in a live Zoom interview with our hiring team .
All interviews are conducted virtually for convenience and accessibility.
If you're looking for a 100% remote career where you can help families understand important financial protection options, build meaningful client relationships, continue developing professionally, and create long-term income and advancement opportunities through your performance, we'd like to hear from you.
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