Remote Customer Benefits Specialist
Company: Globe Life AO – American Income Division
Location: 100% Remote
Work Arrangement: Work From Home | U.S. Applicants Only
Schedule: Flexible | Full-Time Availability Preferred
Job Type: 1099 Independent Contractor
Compensation: Commission Only | Weekly Pay | Performance Bonuses
Experience: Entry Level | No Previous Insurance Experience Required
Training: Comprehensive Virtual Training | Licensing Guidance | Ongoing Mentorship
Start Your Remote Career. Help Families. Build a Future With Purpose.
Are you looking for an entry-level work-from-home career where you can develop valuable professional skills, build meaningful relationships, and help working families understand their insurance benefits?
Globe Life AO is seeking motivated, service-oriented individuals to join our virtual team as Remote Customer Benefits Specialists .
In this position, you'll connect with working families, union members, veterans, and eligible association members through Zoom and phone consultations. You'll help clients understand available life, accident, and supplemental health insurance benefits, answer questions, identify coverage needs, and assist with electronic enrollment once appropriately licensed.
This opportunity combines customer service, client relationship management, benefits education, and consultative insurance sales .
No previous insurance experience is required. We provide structured training, licensing guidance, mentorship, and ongoing professional development.
Opportunity Highlights
100% Remote — Work From Home
Entry Level — No Insurance Experience Required
Company-Provided Client Opportunities
No Traditional Cold Calling
No Door-to-Door Prospecting
No Lead Purchasing Required
Weekly Commission-Based Compensation
Performance Bonuses
Renewal & Residual Income Opportunities
Flexible Scheduling
Comprehensive Training & Mentorship
Career & Leadership Development
What You'll Do
As a Remote Customer Benefits Specialist, you'll help prospective and existing clients understand their available insurance options while providing professional service throughout the client relationship.
Customer Service & Client Communication
Connect with company-provided leads and existing clients.
Schedule and conduct virtual Zoom and phone appointments.
Ask questions to understand client needs, priorities, and financial-protection goals.
Build professional relationships through clear, responsive communication.
Answer questions about available benefits and coverage options.
Follow up with prospective and existing clients.
Maintain accurate digital client records and appointment information.
Provide ongoing customer service and applicable policy reviews.
Assist with beneficiary information and applicable policy service requests.
Benefits Education & Enrollment
Explain available life, accident, and supplemental health insurance 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.
Professional Development
Participate in structured virtual onboarding.
Attend applicable team meetings, training, and coaching sessions.
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.
This is a client-facing insurance sales and service position—not an hourly administrative or inbound-only customer-service role.
What a Typical Remote Workday Looks Like
Your daily responsibilities may include:
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 appointments, digital records, follow-up, and daily business activity from your home office.
Company-Provided Client Opportunities
Representatives receive access to company-provided client opportunities, including individuals and families who have requested or expressed interest in receiving benefit information.
No lead purchasing is required.
The position may involve outbound calls, appointment scheduling, and client follow-up.
No traditional random cold calling, door-to-door prospecting, or in-person client meetings are required.
Our approach emphasizes client education, appropriate recommendations, enrollment assistance, and ongoing service.
Weekly Commission-Based Compensation
Important Compensation Disclosure
This opportunity is structured as a 1099 independent contractor position with 100% commission-based compensation .
It does not provide an hourly wage, guaranteed base salary, or traditional W-2 employee benefits.
Compensation opportunities may include:
Weekly commissions on eligible completed business
Performance-based bonuses
Renewal and residual income opportunities
Leadership compensation for qualifying representatives
Additional recognition and incentive programs
Individual earnings depend on completed business, productivity, consistency, and performance.
No specific income is guaranteed. Individual earnings vary.
Applicants should understand and be comfortable with the commission-only compensation structure before applying.
100% Remote — Work From Home
Client appointments, training, coaching, applications, and team communication are conducted virtually.
Representatives use technology such as:
Zoom
Phone and email
Digital presentation systems
Electronic enrollment platforms
Client-management tools
Online training resources
Required Home Office Equipment
Applicants must provide:
Reliable desktop or laptop computer
High-speed internet connection
Webcam and microphone
Dependable phone capability
Quiet, professional workspace
Basic computer proficiency
Computer equipment and home internet service are not provided by the company.
This opportunity is available to eligible applicants physically located within the United States.
Flexible Scheduling With Accountability
Representatives have flexibility in organizing their schedules while maintaining consistent activity for:
Client consultations
Appointment scheduling
Client follow-up
Training
Team communication
Professional development
Production goals
Successful representatives are self-motivated, dependable, organized, and comfortable managing their own schedules.
Comprehensive Training & Mentorship
Required Insurance Experience: 0 Years
Previous insurance experience is not required.
Training and professional development may include:
Structured virtual onboarding
State insurance licensing guidance
Product and benefits education
Customer-service development
Client communication and relationship management
Consultative sales techniques
Virtual presentation skills
Electronic enrollment procedures
Digital documentation
One-on-one mentorship
Ongoing coaching
Leadership development
Training is provided at no cost but is not hourly compensated.
State Insurance Licensing Requirement
An insurance license is not required when applying.
However, representatives must obtain the appropriate state Life & Health Insurance License before performing activities requiring licensure .
Licensing guidance is provided.
Candidates are responsible for applicable licensing expenses, including study materials, examinations, background screening, fingerprinting, and state fees.
Applicants should be willing and financially prepared to complete the required licensing process.
Professional Support & Qualifying Programs
Eligible representatives may have access to:
Medical insurance reimbursement opportunities
Company-supported life insurance
Accidental Death Benefit coverage
Renewal and residual income opportunities
Professional coaching and mentorship
Leadership-development programs
OPEIU Local 277 representation where applicable
Virtual business resources
Performance recognition and incentive travel
Eligibility, qualification periods, production requirements, and other conditions may apply.
Career Growth & Leadership Opportunities
Representatives who demonstrate strong results, professionalism, consistency, and leadership potential may pursue additional responsibilities.
A potential career-development path includes:
Customer Benefits Specialist → Senior Benefits Advisor → Trainer/Mentor → Team Leader → Sales Management → Advanced Leadership
Future responsibilities may include:
Training and mentoring newer representatives
Coaching
Recruiting
Team development
Performance accountability
Leadership
Management advancement is performance-based and is not guaranteed.
Required Qualifications
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 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.
Preferred Qualifications — Not Required
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
No college degree or previous insurance experience is required.
We value individuals who are coachable, organized, goal-oriented, and genuinely interested in helping families.
About Globe Life AO
Globe Life AO operates within the American Income Division of Globe Life and helps working families understand available financial-protection benefits.
Our representatives serve clients virtually while receiving support from trainers, mentors, and agency leadership.
Our professional culture emphasizes integrity, client service, accountability, continuous learning, teamwork, mentorship, and performance-based advancement.
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 position, responsibilities, compensation structure, licensing requirements, training, and professional-development opportunities.
Candidates who remain interested may then participate in a live Zoom interview with our hiring team.
Ready to Build Your Career From Home?
If you're motivated, enjoy working with people, and want to explore a remote career combining customer service, benefits education, consultative insurance sales, and professional growth, 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 Remote Customer Benefits Specialist opportunity with Globe Life AO.
Work From Home. Help Families. Build Skills. Grow Your Future.