Life Insurance Specialist - Denver

Job Type:

Full timeHourly

Job Description:

$2,500 Sign-On Bonus

Payment Terms: $1000 paid after 30 days of employment, $1500 paid after 90 days of employment

Location Details: 1350 S Colorado Blvd, Virginia Village, CO

Position Schedule / Shift: Monday – Friday (8:30am to 5:30pm)

Position Summary: Drive meaningful 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. In this role, you’ll combine consultative sales, strong product knowledge, and exceptional customer service to uncover needs, close sales, and achieve production goals. You’ll also collaborate with branch partners to maximize referrals, cross-sell opportunities, and long-term member satisfaction.

Key Responsibilities:

Sales & Business Development

• Solicit and sell Life & Health insurance and Annuity products under minimal supervision primarily within ACG branch location.

• Develop leads and prospects for new accounts through marketing activities such as 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.

Product Knowledge & Sales Expertise

• Maintain thorough knowledge of product features, marketing techniques, and sales techniques.

• Use sound sales practices when working with customers.

Customer Service & Relationship Management

• Respond to customer inquiries and problems.

• Build sales opportunities through customer engagement and follow-up.

Operations, Compliance & Documentation

• Complete appropriate applications and forms.

• Follow internal processing procedures to ensure transactions comply with company policies and practices.

• Prepare reports documenting prospecting and sales activities.

• Maintain specified production standards and persistency levels for required products.

Collaboration & Cross-Selling

• Work collaboratively with others in the Branch to reach business goals.

• Maximize leads, sales opportunities, and cross-sell opportunities.

• Assist Underwriting and Brokerage Departments in satisfying requirements.

Required Qualifications:

• Active valid State Life license

• Ability to take and pass LUTC or CLU coursework

• Maintain Life and Health licenses required to sell products
• Must qualify, 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

• Minimum of 2 years' experience with a proven record of successfully soliciting and selling life insurance products

• Experience selling intangible products

Work Environment: Works in a temperature-controlled office environment. Ability and willingness to work irregular hours including evenings and weekends. Limited travel required for community events, with exposure to road hazards and temperature extremes.

Compensation & Benefits Overview:

ACG complies with all applicable state and local laws regarding required benefits (including PTO, paid sick leave, etc.).

Compensation

• Unlimited Income Potential

• Average Earnings $75,000 - $100,000 (base plus commissions)

• Pay Structure

• Unlimited, at no cost

• New Elevated tiered commissions for the first 12 months

• Guaranteed Annual Base Pay $31,500 (non-exempt, eligible or overtime)

Benefits

At ACG, we offer a comprehensive and flexible benefits package designed to support your health, financial well-being, and professional growth.

Health & Wellness

• Medical plans with multiple coverage options, including HSA eligibility.

• Prescription drug coverage.

• Dental and vision benefits.

• Employee Assistance Program (confidential support services).
  

Financial Protection & Insurance

• Company-paid basic life insurance.

• Optional supplemental life insurance and dependent coverage.

• Short-term and long-term disability coverage.

• Critical illness, accident, and pet insurance options.
  

Retirement & Savings

• 401(k) plan to support long-term financial goals.

• 3% automatic deferral upon eligibility; may contribute 1% to 50% of eligible earnings, either pre or post tax.

• Company match of 50% paid on employee contributions up to 6% of pay, payable to employees following the end of the year; immediate vesting.

• Additional company contribution of 4% of pay each pay day into your account; 100% vested after three (3) years of service.

• Health Savings Account (HSA) and Flexible Spending Accounts (FSA) options.

Time Off & Leave

• Paid Time Off (PTO): Accrual-based, increases with tenure, eligible at 90 days of employment.

• Full-time new employees will receive up to 12 PTO days annually; accrual based on start date and may include additional PTO based on role and/or state & local requirements.

• Part-time employee PTO hours are calculated based upon the standard weekly hours the employee is scheduled to work and will accrue at a minimum of 3 hours per month.

• Paid Holidays

• Full-time employees are eligible for 10 company-paid holidays annually, in addition to 1 mental health day, 2 floating holidays and 1 volunteer day. Holidays vary by business unit schedules.

• Part-time employees are eligible for 8 company-paid holidays annually, in addition to 1 mental health day and 2 floating holidays. Holidays vary by business unit schedules.

• Paid leave programs, including parental, bereavement, jury duty, and military leave.

Career Growth & Education

• Tuition assistance (up to $5,250 annually; 80% covered by ACG).

• Professional certification support with 100% reimbursement for eligible programs.

• Opportunities for career development and advancement.
  

Additional Perks

• Complimentary AAA membership with roadside assistance and travel discounts.

• Adoption assistance program. Reports to (job title):

Life Sales Manager

I. Position Description

Primary Duties and Responsibilities (details of the basic job functions):

Solicit and sell Life & Health insurance and Annuity products under minimal supervision primarily within ACG branch location. Through knowledge of various product features and marketing and sales techniques, achieve established sales goals. Develop leads and prospect for new accounts through various marketing activities (outbound/inbound phone calls, mailings, referrals, networking, website, seminars, etc.)

Prepare proposals, and close sales of Life, Health, Annuity, Membership, and Financial Services products. Complete appropriate applications and forms and follow internal processing procedures to ensure transactions are handled in accordance with company policies and practices. Work collaboratively with others in the Branch to reach business goals, maximize leads, sales opportunities and take advantage of cross-sell opportunities. Assist Underwriting and Brokerage Departments in satisfying requirements. Respond to customer inquiries and problems and ensure sound-sales practices are used. Prepare reports documenting prospecting and sales activities and maintain specified production standards and persistency levels for all required products.

Supervisory Responsibilities (briefly describe, if applicable, or indicate None):

None

II. Required Qualifications (these are the minimum requirements to qualify)

Education (include minimum education and any licensing/certifications):

• High School Diploma or equivalent
• Possession of valid State Life Sales licenses
• Ability to take and pass LUTCF, FSCP, or CLU coursework.
• Maintain Life and Health licenses required to sell products.
• Must qualify, obtain, and maintain all applicable state licenses and appointments required for selling and/or servicing Auto Club Group Membership products.

Experience:

• Minimum of 2 years’ experience with a proven record of successfully soliciting and selling life insurance products.
• Experience selling intangible products.

Knowledge and Skills:

• Strong working knowledge of Life Insurance and Annuity products and services
• Ability to listen to and analyze customer needs and make recommendations to customers that best fit customers’ needs and to promote a positive Member experience.
• Effectively communicate complex information with prospective clients in a clear manner
• Ability to prepare proposals and conduct closing interviews to sell Life and Annuity products.
• Assessing and reflecting customer insurance requirements consistent 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 strong relationships with customers
• Prospecting and developing new sales opportunities and meeting production requirements
• Ability to work collaboratively with all team members to attain business goals.
• Strong communication skills with others in the Branch to keep partners and branch management informed on sales and the disposition of any partner generated leads
• Understands and can articulate to customers the tax and legal impacts the products have on Members
• Strong organization, planning, time management and administrative skills
• Representing Auto Club Life in a professional and positive manner
• Safely operating a motor vehicle to travel to various locations to attend meetings or community events
• Proficient writing skills to compose routine correspondence
• Working independently with minimal supervision
• Good PC skills including working knowledge of word processing, spreadsheet, presentation, and email.
• Ability and willingness to work irregular hours including evenings and weekends.

III. Preferred Qualifications

• 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, quoting, etc.

IV. Work Environment

• Works in a temperature-controlled office environment. Ability and willingness to work irregular hours including evenings and weekends.
• Ability to work from remote/virtual environment (hybrid) with supervisor approval.
• Limited travel required, for community events, with exposure to road hazards and temperature extremes.

Who We Are

Become a part of something bigger.

The Auto Club Group (ACG) provides membership, travel, insurance, and financial service offerings to approximately 14+ million members and customers across 14 states and 2 U.S. territories through AAA, Meemic, and Fremont brands. ACG belongs to the national AAA federation and is the second largest AAA club in North America.

By continuing to invest in more advanced technology, pursuing innovative products, and hiring a highly skilled workforce, AAA continues to build upon its heritage of providing quality service and helping our members enjoy life’s journey through insurance, travel, financial services, and roadside assistance.

And when you join our team, one of the first things you’ll notice is that same, whole-hearted, enthusiastic advocacy for each other.

We have positions available for every walk of life! AAA prides itself on creating an inclusive and welcoming environment of diverse backgrounds, experiences, and viewpoints, realizing our differences make us stronger.

To learn more about AAA The Auto Club Group visit

Important Note:

ACG’s Compensation philosophy is to provide a market-competitive structure of fair, equitable and performance-based pay to attract and retain excellent talent that will enable ACG to meet its short and long-term goals. ACG utilizes a geographic pay differential as part of the base salary compensation program. Pay ranges outlined in this posting are based on the various ranges within the geographic areas which ACG operates. Salary at time of offer is determined based on these and other factors as associated with the job and job level.

The above statements describe the principal and essential functions, but not all functions that may be inherent in the job. This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements. Reasonable accommodations will be made for otherwise qualified applicants, as needed, to enable them to fulfill these requirements.

The Auto Club Group, and all its affiliated companies, is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, sexual orientation, national origin, disability or protected veteran status.

Regular and reliable attendance is essential for the function of this job.

AAA The Auto Club Group is committed to providing a safe workplace. Every applicant offered employment within The Auto Club Group will be required to consent to a background and drug screen based on the requirements of the position.