Life & Annuity Agent - Farmington Hills, MI

It’s a great time to join AAA The Auto Club Group! 

JOIN THE TEAM COMMITTED TO DRIVING YOUR CAREER FORWARD

Job Type:

Exempt/Non Exempt:

Job Description:

Why Choose a Career with the AAA - The Auto Club Group (ACG)

• Established brand that has been around for over 100 years.  Our members know and trust us!
• We have over 160+ Branch Life Specialist – be a part of a large, strong sales force
• Branch offices present a unique dynamic for selling
  • Company provided leads as well as the opportunity to sell to the existing membership base
  • Walk-in traffic also provides the chance for selling opportunities daily
  • Life Specialist receive 100% backing from one of America’s most trusted brands to include paid training
• In branch referral base from P&C Agents and member representatives

Excellent opportunities to build a career path:

Pursue corporate leadership roles in the Distribution channel or elsewhere in the organization, such as:

• Field Sales Leadership
• Learning & Development
• Underwriting
• Claims
• Pricing & Product Development
• Marketing

A DAY IN THE LIFE of a Life Specialist

The Auto Club Group is seeking Life Insurance Specialists who will customarily and regularly be engaged in outside sales activities away from their assigned AAA branch (or away from their remote office if working remotely). You will be challenged to drive new business with competitive products and help retain The Auto Club Groups 14+ million members.

• Making connections with persons physically outside of the office, such as visiting businesses, retail or office locations, real estate agents, mortgage companies, or other partners where a customer referral network and relationships can be created
• Attending AAA sponsored marketing events to further sales efforts
• Participation in local activities, such as charity, school, community, or sporting events to leverage as marketing opportunities and to generate potential prospects
• Physical interaction and representing AAA within the community by wearing AAA apparel, exchanging business cards, garnering attention of prospects and generating interest in those who could do business as an AAA customer of mine today or in the future
• Prospecting (excludes work from assigned office location, to include home office if applicable) for new Discounts & Rewards partners, Group Membership opportunities, Approved Auto Repair locations, or Join2Give organizations, to name a few to help develop new customers
• Schedule follow-up appointments conducted in person, outside the branch or home office
• Solicit and sell Life and Health products under minimal supervision
• Learn various product features and marketing and sales techniques necessary to perform duties
• Develop leads and prospects new accounts through various marketing activities (mailings, referrals, networking, website, sales.com, seminars, etc.) 
• Successfully complete commission validation program
• Develop leads and prospects for the purpose of conducting fact finding interviews to determine needs for coverage
• Prepare proposals, and conduct closing interviews for Life and Health Insurance sales
• Complete appropriate applications and forms and follows internal processing procedures to ensure transactions are handled in accordance with company policies and practices
• Work collaboratively with others in the Branch to reach business goals, maximize leads, sales opportunities and take advantage of cross-sell opportunities
• Assist Underwriting and Brokerage Departments in satisfying requirements 
• Respond to customer inquiries and problems and ensure sound-sales practices are used
• Prepare reports documenting prospecting and sales activities and maintains specified production standards and persistency levels for Life and Health insurance

What it’s like to work for The Auto Club Group:

• Serve our members by making their satisfaction our highest priority
• Do what’s right by sustaining an open, honest and ethical work environment
• Lead in everything we do by offering best-in-class products, benefits and services
• ACG values our employees by seeking the best talent, rewarding high performance and holding ourselves accountable

HOW WE REWARD OUR EMPLOYEES

Average 1st year earnings $45,000-$50,000+

Average 2nd year+ earnings $70,000+

A guaranteed base salary of $25,000 plus uncapped commissions

ACG offers excellent and comprehensive benefits packages:

• Medical, dental and vision benefits
• 401k Match
• Paid parental leave and adoption assistance
• Paid Time Off (PTO), company paid holidays, CEO days, and floating holidays
• Paid volunteer day annually
• Tuition assistance program, professional certification reimbursement program and other professional development opportunities
• AAA Membership
• Discounts, perks, and rewards and much more

WE ARE LOOKING FOR CANDIDATES WHO

Required Qualifications:

• Possession of valid State Life Sales licenses 
• 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

Education

• High School diploma or equivalent

Work experience

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

Successful candidates will possess:

• Strong working knowledge of Life Insurance and Annuity products and services
• Ability to listen to and analyze customer needs and make recommendations to customers that best fit customers’ needs and to promote a positive Member experience
• Effectively communicate complex information with prospective clients in a clear manner
• Ability to prepare proposals, and conduct closing interviews to sell Life and Annuity products.
• Assessing and reflecting customer insurance requirements consistent with company standards when writing policies
• Ability to perform mathematical calculations to determine premiums and values of Life insurance policies
• Ability to build and maintains strong relationships with customers
• Prospecting and developing new sales opportunities and meeting production requirements
• Ability to work collaboratively with all team members to attain business goals. 
• Strong communication skills with others in the Branch to keep partners and branch management informed on sales and the disposition of any partner generated leads
• Understands and can articulate to customers the tax and legal impacts the products have on Members
• Strong organization, planning, time management and administrative skills
• Representing Auto Club Life in a professional and positive manner
• Safely operating a motor vehicle to travel to various locations to attend meetings
• Proficient writing skills to compose routine correspondence
• Working independently with minimal supervision
• Knowledge of MS Office applications: Word, Excel, PowerPoint, and Outlook
• Ability and willingness to work irregular hours including evenings and weekends

Work Environment

• Frequent (up to 80% of work time) travel required with exposure to road hazards and temperature extremes
• May visit clients at their residence, place of work, at the branch office or at other business locations.  May work outside at an ACG sponsored event - with exposure to various weather conditions

Who We Are

Become a part of something bigger.

The Auto Club Group (ACG) provides membership, travel, insurance, and financial service offerings to approximately 14+ million members and customers across 14 states and 2 U.S. territories through AAA, Meemic, and Fremont brands. ACG belongs to the national AAA federation and is the second largest AAA club in North America.

By continuing to invest in more advanced technology, pursuing innovative products, and hiring a highly skilled workforce, AAA continues to build upon its heritage of providing quality service and helping our members enjoy life’s journey through insurance, travel, financial services, and roadside assistance.

And when you join our team, one of the first things you’ll notice is that same, whole-hearted, enthusiastic advocacy for each other.

We have positions available for every walk of life! AAA prides itself on creating an inclusive and welcoming environment of diverse backgrounds, experiences, and viewpoints, realizing our differences make us stronger.

To learn more about AAA The Auto Club Group visit www.aaa.com

Important Note:

ACG’s Compensation philosophy is to provide a market-competitive structure of fair, equitable and performance-based pay to attract and retain excellent talent that will enable ACG to meet its short and long-term goals. ACG utilizes a geographic pay differential as part of the base salary compensation program. Pay ranges outlined in this posting are based on the various ranges within the geographic areas which ACG operates. Salary at time of offer is determined based on these and other factors as associated with the job and job level.  

The above statements describe the principal and essential functions, but not all functions that may be inherent in the job.  This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements.  Reasonable accommodations will be made for otherwise qualified applicants, as needed, to enable them to fulfill these requirements.

The Auto Club Group, and all its affiliated companies, is an equal opportunity/affirmative action employer.  All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, sexual orientation, national origin, disability or protected veteran status.

Regular and reliable attendance is essential for the function of this job.

AAA The Auto Club Group is committed to providing a safe workplace. Every applicant offered employment within The Auto Club Group will be required to consent to a background and drug screen based on the requirements of the position.