Inside Sales Representative

Overview

At Legal & General America, we aim to make a positive difference in the lives of our customers, partners, colleagues, and the communities in which they live.  As a recognized market leader of term life insurance, we’re working to transform our business through innovation and technology to provide products and solutions that help American families secure their financial futures.

We are a future-focused company, passionate about what we do and how we do it. This means working with pace and energy to reach our goals, and challenging ourselves to achieve more.  We strive to create a unique environment where balance between work and life is possible. Our employees' passion, dedication and hard work, as well as our career development opportunities, benefits, and employee activities contribute to our positive workplace culture.

The Inside Sales Representative, Direct-to-Consumer Sales is a key contributor to the strategic growth agenda at Legal & General America (LGA). Reporting to the Sr. Manager, Direct-to-Consumer Sales, the Inside Sales Representative will be responsible for:

• Selling Term life products to consumers through a client needs-based sales approach.
• Attainment of sales targets while contributing to overall team and business goals on a weekly, monthly and annual basis in Direct-to-Consumer business.

Responsibilities

• Efficiently and effectively handle a blend of inbound calls and outbound leads generated through in-house digital marketing strategies and tactics with the goal of selling Term life insurance to consumers in a tele-sales center environment. Provide an excellent customer experience while keeping the company values at the forefront in all interactions.
• Network with potential customers and source referral leads from existing and newly insured.
• Ability to achieve key performance indicators(Calls, Emails, Talk Time) through structured daily activities schedule. Maintaining standards set by leadership as leading indicators for success.
• Meets or exceeds prescribed sales and premium targets assigned individually while simultaneously contributing successfully to the overall Direct-to-Consumer team goal, measured weekly, monthly and annually. 
• Meets or exceeds quality and compliance standards and guidelines as a licensed sales agent in a highly regulated sales center environment.
• Adhere to all regulatory and compliance principles set forth by LGA and the insurance industry with purpose of helping LGA keep their standing in the industry while maintaining A+ best rating as a provider. Represent the company in the same professional manner expected of all Agents hired in LGA.
• Conduct a needs-based analysis for each customer to design and recommend an effective Term life insurance plan tailored for customer needs and life events.
• Promote the benefits, coverage and terms of Term life product plans to potential customers. Maximize opportunities to cross-sell and up-sell supplemental products. Ensure customer understanding with detailed approach to explaining company products, services, best practices, and financial strength.
• Maintain accurate knowledge of products and core competitors through market research. Acquire industry intelligence on competitor products, rates, sales, and strategies.
• Complete applications, mandatory forms and all other necessary documents to complete the sale. Obtain customer information, conduct a health assessment, non-medical and financial risk factors required to provide a quote and finalize the sale.
• Quote and offer professional recommendation of coverage based on underwriting rating class and thorough needs analysis. Quote is subject to underwriting approval and may require reselling coverage at a different rating class.
• Maintain accurate client records utilizing Salesforce.com and other agency management systems. Able to multi-task between record keeping system and applications needed for submittal of potential insured.
• Meets or exceeds prescribed sales and premium targets assigned to the contact center sales channel while maintaining profitability and mortality margins. 
• Maintain state licensing and continued education requirements to stay compliant in a regulated sales environment.
• Deliver results defined against measurable ROI through strategic innovation, performance reporting and human capital deployment.
• Use industry and market research to leverage in sales presentations while promoting LGA’s value proposition to potential customers. Ability to flex during potential insured presentation navigating challenging conversations while presenting LGA as the best potential choice for Term Life Insurance needs.
• Define the competitive position of LGA products, processes and platforms within the competitive landscape of Direct-to-Consumer distribution.
• Participate in weekly sales meeting and performance reviews with Digital Distribution sales management.
• Complete other responsibilities as assigned by management.

Qualifications

Education  

High school diploma or equivalent

State of Maryland Life & Health Insurance license preferred

Experience/Knowledge

1-3 years of customer service experience/experience in contact center sales preferred 

Experience defining, designing, and recommending products and services to consumers

Proven track record of successful sales achievement and prescribed sales targets

Experience working independently and within a dynamic sales team to achieve collective sales targets

Proficient in MS Office (Word, Excel, PowerPoint)

Skills

Strong interpersonal and communication skills, both written and verbal, presentation, and negotiation skills

Ability to thrive in a fast-paced, high-energy call center environment

Strong organizational skills with ability to multi-task

Initiative-taker with the ability to work independently, thrive under pressure and manage difficult issues in a professional, courteous manner

Strong work ethic, initiative, and the ability to accept full ownership of responsibilities

Reports To

Sr. Manager, Direct-to-Consumer Sales

Staff

None

What’s in it for you?

The expected hiring compensation range for this position is $40,000 annually plus commission (average total compensation including uncapped commission typically averages around $70,000 and above). This role will be working in a hybrid environment requiring 3 days in office per week.

The total compensation package for this position may include other elements, such as a sign-on bonus, long term incentives, and annual bonuses.  This role is eligible to participate in the Legal & General America Annual Incentive Plan. This role has 10 vacation days and 10 sick days that are accrued on a bi-weekly basis. Employees also have 9 paid holidays throughout the calendar year.

We have a competitive compensation and benefits package focused on your overall wellbeing.  Employee benefits include health, life, and dental insurance; 401K with company match up to 6% as well as a pension package; generous time off; and wellbeing initiatives throughout the year (we like doing fun stuff).  We’re big on professional development and we’ll support and mentor you in your career progression and expect you to help us pay it forward by helping us develop tomorrow's leaders and growth-focused professionals. We value our teams and our communities and believe in giving back. Enjoy time off to volunteer for those causes that matter most to you!

If hired, employee will be in an “at-will position” and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors. The Company reserves the right to change benefits plans at any time.

We are an equal opportunity employer and value diversity at our company. We do not discriminate based on race, religion, color, national origin, sex, gender, gender expression, sexual orientation, age, marital status, veteran status, or disability status. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, perform essential job functions, and receive other benefits and privileges of employment. Please contact us to request accommodation.