Virtual Benefits Care Associate

Virtual Benefits Care Associate

Company: Globe Life AO – American Income Division
Location:  100% Remote
Schedule: Flexible | Full-Time Availability Preferred
Position Type: 1099 Independent Contractor
Compensation: 100% Commission-Based | Weekly Commissions | Performance Bonuses
Experience: Entry Level | No Previous Insurance Experience Required
Training: Virtual Onboarding | Licensing Guidance | Ongoing Mentorship

Turn Your People Skills Into a Purpose-Driven Remote Career

Do you enjoy talking with people, solving problems, and helping families make informed decisions?

Are you interested in working from home while developing professional skills and building performance-based earning opportunities?

Globe Life AO is expanding its virtual team and seeking motivated, service-minded individuals for our Virtual Benefits Care Associate opportunity.

In this role, you'll connect with working families and eligible members through Zoom and phone consultations, helping them understand available life, accident, and supplemental health insurance options.

You'll build relationships, identify client needs, answer questions, explain coverage choices, assist with enrollment once licensed, and provide continued customer care.

This opportunity combines customer service, benefits education, client relationship management, and consultative insurance sales .

Whether you're entering the workforce, changing careers, or bringing experience from another industry, we provide structured training, licensing guidance, mentorship, and ongoing professional development.

No previous insurance experience is required to apply.

Why Explore This Opportunity?

Work From Home

Conduct client consultations, training, and team communication virtually from your professional home workspace.

Training for Entry-Level Applicants

Receive guidance in insurance products, customer communication, virtual appointments, and electronic enrollment procedures.

Company-Provided Client Opportunities

Connect with prospective clients through company-provided warm leads rather than purchasing leads or conducting door-to-door prospecting.

Weekly Commission-Based Earnings

Earn commissions on eligible completed business, with opportunities for bonuses and renewal income.

Flexible Scheduling

Organize your professional activities around appointments, follow-up, training, and client-service responsibilities.

Career and Leadership Development

Build transferable skills and potentially qualify for additional responsibilities in mentoring, coaching, team development, and leadership.

What You'll Do

Provide a Positive Client Experience

You'll help prospective and existing clients feel informed, respected, and supported.

Responsibilities include:

- Contact prospective and existing clients through company-provided opportunities.
- Schedule and conduct Zoom and phone consultations.
- Listen carefully to client questions and concerns.
- Identify individual and family protection priorities.
- Explain the purpose of benefit-review appointments.
- Provide professional and personalized communication.
- Maintain consistent client follow-up.
- Organize appointments and digital records.
- Build lasting client relationships.

Educate Clients About Available Benefits

Once appropriately licensed, you'll help individuals understand their insurance coverage options.

Responsibilities include:

- Explain available life, accident, and supplemental health insurance products.
- Conduct needs-based benefit consultations.
- Review relevant policy features and coverage choices.
- Answer questions about eligibility and enrollment.
- Recommend appropriate solutions based on client needs.
- Assist eligible clients with electronic applications.
- Review required documentation.
- Follow applicable state insurance regulations and company procedures.

Assist With Enrollment and Continued Support

Client service continues beyond the initial consultation.

You'll also:

- Provide professional follow-up after enrollment.
- Respond to client questions.
- Assist with applicable policy reviews.
- Help clients navigate beneficiary and policy-service requests.
- Direct clients to appropriate claims-support resources.
- Maintain accurate digital client records.
- Provide dependable communication and ongoing service.

Participate in Training and Development

You'll have opportunities to:

- Complete virtual onboarding.
- Attend product-education sessions.
- Learn digital presentation and enrollment systems.
- Strengthen customer-service and communication skills.
- Participate in coaching and mentorship.
- Develop consultative sales techniques.
- Improve time management and organization.
- Explore leadership-development opportunities.

Important: This is a client-facing insurance sales and service position, not an hourly administrative or inbound-only customer-service role.

Company-Provided Leads — No Traditional Cold Calling

Representatives receive access to company-provided prospective client opportunities, including individuals and families interested in learning about available benefits.

The client process generally includes:

Connect → Listen → Educate → Recommend → Enroll → Support

There is no requirement to purchase leads.

The position involves outbound calls, appointment scheduling, and follow-up.

Traditional random cold calling and door-to-door prospecting are not required.

Compensation: Weekly Commissions and Performance Bonuses

Important Compensation Information

This position is classified as a 1099 independent contractor opportunity with 100% commission-based compensation .

There is no guaranteed hourly wage, base salary, or traditional W-2 employee benefits package.

Potential compensation opportunities include:

- Weekly commissions on eligible completed enrollments.
- Performance-based bonuses.
- Renewal and residual commissions on qualifying business.
- Additional achievement incentives.
- Leadership-related compensation for qualifying representatives.

Your earnings depend on individual activity, completed business, productivity, and results.

Income is not guaranteed, and individual earnings vary.

Applicants should understand and be comfortable with this compensation structure before applying.

Work From Home With Virtual Business Tools

Your remote work environment may include:

- Zoom consultations.
- Phone and email communication.
- Electronic application systems.
- Digital insurance presentations.
- Client-management tools.
- Online training.
- Virtual coaching.
- Team collaboration.

Home Office Requirements

You'll need to provide:

- A dependable desktop or laptop computer.
- Reliable high-speed internet.
- Webcam and microphone capability.
- Phone access.
- A quiet, professional workspace.
- Basic computer proficiency.

The company provides access to designated business presentation and enrollment systems.

Personal computer equipment and home internet service are not provided or reimbursed.

Training and Mentorship — No Insurance Experience Required

We welcome applicants who are new to the insurance industry.

Training may cover:

- Life insurance and supplemental coverage fundamentals.
- Insurance licensing preparation guidance.
- Professional customer communication.
- Client needs assessments.
- Relationship management.
- Virtual appointment preparation.
- Consultative sales techniques.
- Electronic enrollment procedures.
- Digital documentation.
- Compliance expectations.
- Ongoing client support.
- Leadership development.

Representatives also have opportunities to receive continued coaching and mentorship.

Training is provided at no cost but is not hourly compensated.

State Insurance Licensing

You do not need an insurance license to submit an application.

However, the appropriate state Life & Health Insurance License is required before conducting activities that require insurance licensure .

We provide guidance on the licensing process.

Candidates are responsible for applicable licensing expenses, including study materials, examination fees, background screening, fingerprinting, and state licensing fees.

Applicants should be willing and financially prepared to complete the required licensing process.

Professional Support and Additional Opportunities

Qualifying representatives may have access to:

- Medical insurance reimbursement opportunities.
- Company-supported life insurance.
- Accidental Death Benefit coverage.
- Renewal and residual income opportunities.
- Ongoing professional coaching.
- Mentorship and leadership-development programs.
- Union representation where applicable.
- Digital business tools.
- Performance recognition programs.

Medical reimbursement is not traditional employer-sponsored health insurance.

All benefits and programs are subject to applicable eligibility, production, and qualification requirements.

Recognition and Career Incentives

Qualifying representatives may have opportunities to earn:

- Performance bonuses.
- Achievement awards.
- Company-sponsored incentive travel.
- Leadership conference participation.
- Professional recognition.
- Team-development experiences.

These opportunities are performance-based and are not guaranteed.

Career Growth and Leadership Development

Your first role can provide a foundation for additional professional responsibilities.

Representatives who demonstrate strong performance, professionalism, consistency, and leadership ability may pursue opportunities involving:

- Senior client benefits responsibilities.
- Training and mentoring.
- Team coaching.
- Recruiting.
- Team leadership.
- Sales management.
- Advanced leadership development.

Advancement depends on performance, qualifications, and available opportunities.

Who We're Looking For

We're interested in individuals who are:

- Friendly and comfortable communicating with people.
- Strong listeners who enjoy helping others.
- Customer-focused and service-oriented.
- Positive, professional, and dependable.
- Self-motivated and accountable.
- Organized with effective time-management skills.
- Comfortable learning new technology.
- Able to work independently from home.
- Comfortable collaborating with a virtual team.
- Goal-oriented and motivated by performance.
- Coachable and receptive to feedback.
- Interested in professional development.

Previous experience in customer service, retail, hospitality, healthcare, banking, education, administration, call centers, military service, client relations, financial services, or sales may be helpful but is not required.

We value communication skills, professionalism, work ethic, and willingness to learn.

Minimum Requirements

Applicants must:

- 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 access to a reliable desktop or laptop computer.
- Maintain dependable high-speed internet.
- Have webcam and microphone capability.
- Maintain a quiet, professional workspace.
- Be comfortable communicating through Zoom and phone.
- Demonstrate professional communication skills.
- Be willing to complete required training.
- Be comfortable with consultative insurance sales.
- Understand the commission-only compensation structure.
- Hold or be willing and able to obtain the required state Life & Health Insurance License.
- Meet applicable licensing and background requirements.

About Globe Life AO

Globe Life AO operates within the American Income Division of Globe Life, helping working families understand available financial-protection benefits.

Our representatives serve clients virtually while receiving support from trainers, mentors, and agency leadership.

Our team emphasizes professional service, integrity, accountability, communication, continued learning, and performance-based growth.

Our Mission: Protect Every Child. Serve All Working People.

Virtual Interview Process

Qualified applicants will first receive an approximately 15-minute career overview explaining the opportunity, compensation structure, licensing requirements, training, client process, and professional-development opportunities.

Interested candidates may then participate in a live Zoom interview with our hiring team.

Ready to Explore Your Next Opportunity?

If you're motivated, enjoy working with people, and want to build a remote career combining customer service, benefits education, consultative insurance sales, and professional development, we encourage you to apply.

Please apply only if you meet the minimum requirements, understand the commission-only compensation structure, and are willing and able to complete the required insurance licensing process.

Apply today with your updated resume to be considered for our Virtual Benefits Care Associate opportunity with Globe Life AO.

Work From Home. Support Families. Grow Your Skills. Build Your Future.

Important Information About This Opportunity

This is a 100% remote, independent contractor opportunity with American Income Life / Globe Life. Compensation is commission-based and performance-driven; this is not an hourly or salaried position.

Candidates selected to move forward should be prepared to:

• Be at least 18 years of age and legally eligible to work in the United States
• 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

No prior insurance experience is required. Training, mentorship, licensing guidance, and ongoing professional development are provided.

This opportunity is best suited for individuals who are self-motivated, coachable, comfortable working independently, and interested in a performance-based career with opportunities for professional growth and advancement.

American Income Life / Globe Life is committed to providing equal opportunity without regard to race, color, religion, sex, national origin, age, disability, veteran status, or other characteristics protected by applicable law.

Specific licensing requirements, fees, compensation, and contractor terms may vary by state and will be reviewed with candidates during the hiring and onboarding process.