Globe Life · American Income / National Income Division, Serur Organization
Globe Life American Income Division Fully remote 1099, commission-only Licensing support provided

The people you call already asked to hear from you.

We’re hiring remote Benefits Representatives to serve union and association members who requested information about their benefits. No cold calling. No door knocking.

A Benefits Representative at her desk during a call with a member
Nobody is surprised you called. Every lead asked us to reach out: a returned card, an online request, or a policy we service.
Warm leads, provided, no cold calling
Licensing support through the state exam
Fully remote, you set your schedule
Underwritten by American Income Life Insurance Company, Waco, Texas In New York, National Income Life, Syracuse Not a government agency

The terms, before you apply.

Most recruiting pages make you find these out on the call. Here they are, first.

Compensation
100% commission. No salary, no minimum, no floor.
The upside
Uncapped, plus residual income on every policy for as long as it stays in force.
Your leads
Members and online inquiries who asked us to reach out about their benefits.
Before you can sell
A state producer license. We walk you through it.
Benefits Representative is a 1099 independent-contractor position. Individual results vary and depend on effort, skill, licensing, and market conditions.

We’d rather lose you here than on the call.

Most recruiting pages tell you what you want to hear and let you find out later. Here’s the whole trade.

What this is

  • A remote, commission-only sales role serving union and association members
  • Warm leads: members and online inquiries who asked to hear from us about their benefits
  • Uncapped commission, plus renewals on business that stays on the books
  • A leadership track: promote to manager and earn up to 40% of your team’s production, plus residuals on their policies
  • Support getting your state insurance producer license

What this is not

  • Not a salaried job. There is no base pay and no guaranteed income
  • Not a W-2 employee position, you’d be an independent contractor (1099)
  • Not effort-free, you build the book with real work up front; the renewals are what reward you for staying
  • Not licensed-on-day-one, you must pass a state exam before you can sell
  • Not for someone who wants a fixed 9-to-5 with a manager assigning tasks

Who does well here

  • People leaving hourly work who want the ceiling removed
  • Self-starters who can hold a schedule without a manager watching
  • People who like talking to strangers about something that matters
  • Anyone comfortable being paid for outcomes instead of hours
  • No insurance experience required, coachability matters more
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 aren’t ready for the effort month one takes, learning this industry in a few weeks. Being straightforward costs us applicants and buys us strong agents and leaders.
A union member at his kitchen table with the reply card he returned

You’re not calling strangers.

Globe Life American Income Division works with labor unions, credit unions, and associations. Their members return a response card or online form asking about the benefits available to them: an accidental death benefit provided at no cost to the member, 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.

A Benefits Representative listening on a call from his kitchen

The work that pays you twice.

You’ll run virtual appointments with members, walk them through their no-cost benefit, and present supplemental coverage where it makes sense, at an average enrollment rate of about 37%. 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’ve protected that family, and you’re paid residual income on it, year after year. The business you write keeps paying you long after the work is done. That’s the compounding that rewards the 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.

A candidate studying in the evening for the state producer license exam

You can’t sell insurance without a license.

Every state requires a life insurance producer license, you’ll be handling sensitive client information, and you need one to do so. It’s a pre-licensing course and a state exam, and most people pass 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.

The license is individual, and it is yours. You are responsible for having it, or obtaining it, before your start date in training class: a pre-licensing course and the state exam, with costs that vary by state. The exact path and cost for your state are mapped out plainly during the interview process.

The numbers, in the carrier’s own words.

We didn’t write these. Globe Life American Income Division publishes them: actual averages for contracted agents, from internal company records. Averages are not promises, and compensation is performance-based. Here they are anyway, because you should see them before a call, not after.

Individual producer

Average total compensation by tenure
  1. Year 1$65,750
  2. Year 2$78,416
  3. Year 3$90,401
  4. Years 4–10$122,973
  5. Years 11–15$186,863

Leadership path (MGA / RGA / SGA)

Average total compensation by tenure
  1. Year 1$65,750
  2. Year 2$128,877
  3. Year 3$134,566
  4. Years 4–7$242,204
  5. Years 8–10$280,131
  6. Years 11–15$461,454

Total compensation reflects actual averages for all contracted agents (first table) and all MGAs, RGAs, and SGAs (second table) of American Income Life / National Income Life. 1099 income comprises first-year commissions, renewals, bonuses, and similar revenue streams, which may vary by contract. Based on internal Company records. For illustrative purposes only. Compensation is performance-based. Source: Globe Life American Income Division, Opportunity Unlimited: Compensation and Incentives, AC-145 (R6-25).

The renewals behind “paid twice”: American Income Division vests renewals 100%, for a lifetime, after 10 years, as long as premiums continue to be paid on the policies you sold.

Real names, real faces, real people.

No stock photos, no anonymous quotes. This is the leadership team that runs the Serur Organization, and the organization on camera, in its own words.

Portrait of State Director Albert SerurAlbert SerurState Director
Portrait of State Director Jeff HallJeff HallState Director
Portrait of Regional Director Jake YagjianJake YagjianRegional Director
Portrait of General Manager Rosa TeixeriaRosa TeixeriaGeneral Manager
Portrait of Regional Manager Pete GabranskiPete GabranskiRegional Manager
Portrait of Regional Manager James FangmannJames FangmannRegional Manager
Portrait of Regional Manager Cody GardnerCody GardnerRegional Manager
The recruitment video, from the organization’s own channel
Renewal income, explained by the people earning it
State Director Albie Serur with a partner agency in Miami

These are real, named members and representatives of the Serur Organization, speaking for themselves. Where anyone discusses income: this is a 100% commission role, and individual results vary with effort, skill, licensing, and market conditions.

Three steps.

Apply

Two minutes. Name, where you live, and a few questions about what you’re looking for. A resume helps but isn’t required.

Overview call

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.

Assessment & interview

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.

The questions everyone asks on the call.

Is this a salaried position?

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.

Do I need insurance experience?

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.

Is this cold calling?

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.

What does it cost me to start?

The license is an individual license, and it’s yours. You are responsible for having it, or obtaining it, before your start date in training class. The out-of-pocket cost is the pre-licensing course and the state exam fee, and it differs by state.

During the interview process, the licensing path and its exact costs for your state are mapped out thoroughly, plainly, before you commit to anything.

What can I actually earn?

The parent company publishes this, so we can show you. Across all contracted agents of American Income Life / National Income Life, total first-year compensation averaged $65,750, rising with tenure to an average of $186,863 in years 11 through 15. Those are actual averages from internal company records, not promises: compensation is performance-based, and individual results vary. See the numbers for the full tables and source.

On the overview call, a manager will walk you through the commission schedule and what the range genuinely looks like for a new representative in your state.

Am I an employee?

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.

Is this remote?

Yes, fully. All appointments are run virtually. There are no in-person or in-home appointment requirements in any territory.

If the trade makes sense, take the next step.

Two minutes to apply. Twenty to find out whether this is the career you’ve been trying to describe.

Start your application