Life Insurance Specialist

Payment Terms: $2,500 paid after 30 days of employment, $2500 paid after 90 days of employment.

Location Details: 38751 W 12 Mile Rd, Farmington Hills, MI 48331

Position Schedule / Shift: Monday – Friday (8:30am to 5:30pm) 

Position Summary: Drive meaningful growth as a Field Life Agent by building relationships, developing leads, and helping members protect their futures through Life, Health, Annuity, Membership, and Financial Services products. In this role, you’ll combine consultative sales, strong product knowledge, and exceptional customer service to uncover needs, close sales, and achieve production goals. You’ll also collaborate with branch partners to maximize referrals, cross-sell opportunities, and long-term member satisfaction. 

Key Responsibilities: 

Sales & Business Development 

• Solicit and sell Life & Health insurance and Annuity products under minimal supervision primarily within ACG branch location. 

• Develop leads and prospects for new accounts through marketing activities such as phone calls, mailings, referrals, networking, website inquiries, and seminars. 

• Prepare proposals and close sales of Life, Health, Annuity, Membership, and Financial Services products. 

• Achieve established sales goals. 

Product Knowledge & Sales Expertise 

• Maintain thorough knowledge of product features, marketing techniques, and sales techniques. 

• Use sound sales practices when working with customers. 

Customer Service & Relationship Management 

• Respond to customer inquiries and problems. 

• Build sales opportunities through customer engagement and follow-up. 

Operations, Compliance & Documentation 

• Complete appropriate applications and forms. 

• Follow internal processing procedures to ensure transactions comply with company policies and practices. 

• Prepare reports documenting prospecting and sales activities. 

• Maintain specified production standards and persistency levels for required products. 

Collaboration & Cross-Selling 

• Work collaboratively with others in the Branch to reach business goals. 

• Maximize leads, sales opportunities, and cross-sell opportunities. 

• Assist Underwriting and Brokerage Departments in satisfying requirements. 

Required Qualifications: 

• Active valid State Life license

• Ability to take and pass LUTC or CLU coursework 

• Maintain Life and Health licenses required to sell products    

• Possession of a valid State driver’s license 

• Must qualify, obtain, and maintain all applicable state licenses and appointments required for selling and/or servicing Auto Club Group Membership products 

• High School diploma or equivalent 

• Minimum of 2 years' experience with a proven record of successfully soliciting and selling life insurance products 

• Experience selling intangible products 

Work Environment: Works in a temperature-controlled office environment. Ability and willingness to work irregular hours including evenings and weekends.  Limited travel required for community events, with exposure to road hazards and temperature extremes. 

Compensation & Benefits Overview: 

ACG complies with all applicable state and local laws regarding required benefits (including PTO, paid sick leave, etc.). 

Compensation 

• Unlimited Income Potential  

• Average Earnings $75,000 - $100,000 (base plus commissions) 

• Pay Structure  

• Unlimited, at no cost 

• New Elevated tiered commissions for the first 12 months  

• Guaranteed Annual Base Pay $28,000 (non-exempt, eligible or overtime) 

Benefits

At ACG, we offer a comprehensive and flexible benefits package designed to support your health, financial well-being, and professional growth. 

Health & Wellness 

• Medical plans with multiple coverage options, including HSA eligibility. 

• Prescription drug coverage. 

• Dental and vision benefits. 

• Employee Assistance Program (confidential support services). 
   

Financial Protection & Insurance 

• Company-paid basic life insurance. 

• Optional supplemental life insurance and dependent coverage. 

• Short-term and long-term disability coverage. 

• Critical illness, accident, and pet insurance options. 
   

Retirement & Savings 

• 401(k) plan to support long-term financial goals. 

• 3% automatic deferral upon eligibility; may contribute 1% to 50% of eligible earnings, either pre or post tax. 

• Company match of 50% paid on employee contributions up to 6% of pay, payable to employees following the end of the year; immediate vesting. 

• Additional company contribution of 4% of pay each pay day into your account; 100% vested after three (3) years of service. 

• Health Savings Account (HSA) and Flexible Spending Accounts (FSA) options. 

Time Off & Leave 

• Paid Time Off (PTO): Accrual-based, increases with tenure, eligible at 90 days of employment. 

• Full-time new employees will receive up to 12 PTO days annually; accrual based on start date and may include additional PTO based on role and/or state & local requirements.  

• Part-time employee PTO hours are calculated based upon the standard weekly hours the employee is scheduled to work and will accrue at a minimum of 3 hours per month. 

• Paid Holidays

• Full-time employees are eligible for 10 company-paid holidays annually, in addition to 1 mental health day, 2 floating holidays and 1 volunteer day. Holidays vary by business unit schedules. 

• Part-time employees are eligible for 8 company-paid holidays annually, in addition to 1 mental health day and 2 floating holidays. Holidays vary by business unit schedules. 

• Paid leave programs, including parental, bereavement, jury duty, and military leave. 

Career Growth & Education 

• Tuition assistance (up to $5,250 annually; 80% covered by ACG). 

• Professional certification support with 100% reimbursement for eligible programs. 

• Opportunities for career development and advancement. 
   

Additional Perks 

• Complimentary AAA membership with roadside assistance and travel discounts. 

• Adoption assistance program.