We’re hiring remote Benefits Representatives to serve union and association members who requested information about their benefits. No cold calling. No door knocking.
The terms most recruiters make you find out on the call
Most recruiting pages tell you what you want to hear and let you find out later. Here’s the whole trade, up front.
Why we lead with this: a page that promises a salary collects applications from people who want a salary. They no-show the overview call, or they quit in week three. Telling the truth costs us applications and buys us agents.
American Income Life works with labor unions, credit unions, and associations. Their members return a response card or online form asking about the benefits available to them — a no-cost accidental death certificate, a Child Safe Kit, and information about supplemental coverage.
Those requests become your appointments. Your job is to show up, explain what they’re entitled to as a member, and offer the coverage that fits.
That’s the difference between this and every other “sales opportunity” in your inbox: the list isn’t purchased, and nobody is surprised you called.
You’ll run virtual appointments with members, walk them through their no-cost benefit, and present supplemental coverage where it makes sense. Most representatives block their calls into a few concentrated days rather than spreading them across a nine-to-five.
When a policy stays on the books, you’re paid renewals on it — the reason this compounds for people who stay.
There is no set schedule and no one clocking you in. That freedom is the point, and it is also the part that ends people who need structure.
Every state requires a life insurance producer license. It’s a pre-licensing course and a state exam. Most people pass it in a couple of weeks of evening study while they finish out their current job.
We’ll point you at the course, tell you exactly what’s on the exam, and check in on you until you sit it.
Confirm Who pays the licensing course and exam fee, and roughly what it costs the candidate. This must be stated plainly — the FTC’s money-making-opportunity notice specifically targets undisclosed up-front costs.
The current site runs two unattributed quotes over stock headshots, one of them an income claim. We’ve left the slots here and put nothing in them.
“…” — a real representative, in their own words, about the work.
“…” — ideally someone who came from an unrelated career.
“…” — ideally someone promoted from representative to leadership.
Why these are empty: an income testimonial attached to a person who isn’t a real, identified representative is exactly what the FTC’s Notice of Penalty Offenses on endorsements addresses. If a quote mentions earnings, it needs a real name and a “results vary” disclosure beside it. Confirm three representatives willing to be named and photographed.
Two minutes. Name, where you live, and a few questions about what you’re looking for. A resume helps but isn’t required.
A 20–30 minute virtual session on compensation, the day-to-day, and the licensing path. You’ll see how representatives are actually paid. Ask anything.
A short assessment after the overview, then a one-on-one with a hiring manager. If it’s a fit both ways, we start you on licensing.
No. Benefits Representatives are paid 100% commission as independent contractors. There is no base salary, no hourly wage, and no guaranteed minimum. Your income is a function of the appointments you run and the business you write.
Commissions are uncapped, and you earn renewals on policies that stay in force.
No insurance experience is required. You do need to pass your state’s life insurance producer exam before you can sell — that’s the law, not our policy. We’ll support you through it.
What we’re actually looking for is coachability, consistency, and comfort talking to people.
No. You’re contacting union and association members who returned a card or submitted a form requesting information about their benefits. They’re expecting to hear from someone.
Confirm This answer must state exactly what a candidate pays out of pocket — pre-licensing course, state exam fee, fingerprinting, and any E&O or technology cost — and who covers what.
We’re flagging it rather than guessing. Undisclosed up-front expenditures are one of the specific practices named in the FTC’s Notice of Penalty Offenses concerning money-making opportunities.
We won’t put a number on this page. Earnings depend on effort, skill, market, and how quickly you get licensed, and any figure we published would be a claim we’d have to substantiate.
On the overview call, a manager will walk you through the commission schedule and what the range genuinely looks like for new representatives. Confirm whether the organization can share sourced, typical first-year earnings data.
No. Benefits Representatives are independent contractors (1099). You set your own hours, control your own schedule, and are responsible for your own taxes and expenses. There is no assigned shift and no one clocking you in or out.
Yes. Appointments are run virtually. Confirm whether any in-person or in-home appointments are expected, and in which territories.
Two minutes to apply. Twenty to find out whether this is the career you’ve been trying to describe.
Start your application