Life & Annuity Agent

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Job Type:

Exempt/Non Exempt:

Reports to (job title):

Life Sales Manager

I. Position Description

Primary Duties and Responsibilities (details of the basic job functions):

The Life and Annuity Agent 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). Examples may include:

• 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.
• Follow-up appointments conducted in person outside the branch or home office.

The Life and Annuity Agent will 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.

The Agent will 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.

Supervisory Responsibilities (briefly describe, if applicable, or indicate None):

None

II. Required Qualifications (these are the minimum requirements to qualify)

Education (include minimum education and any licensing/certifications):

• High School Diploma or equivalent
• 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.

Experience:

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

Knowledge and Skills:

• 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.

III. Preferred Qualifications

• College level coursework
• LUTCF or FSCP certification
• Professional designations through the American College of Financial Services
• Strong knowledge of features and benefits of ACG's comprehensive product portfolio
• Knowledge of ACG systems for policy sales, quoting, etc.

IV. 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 w.