Life Insurance Specialist Hilton Head Bluffton, SC

Life Insurance Specialist – Hilton Head, SC

Join AAA The Auto Club Group and help our 14+ million members protect their lives, homes, and vehicles.

This full‑time, non‑exempt position requires field sales activity. You will solicit and sell life, health, annuity and membership products under minimal supervision, primarily within ACG branch locations.

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  Pay Structure:
• Unlimited leads at no cost.
• Elevated tiered commissions for the first 12 months.
• Annual base pay $25,000 (eligible for overtime).
• Sign‑on bonus: $2,500 paid in installments – $1,000 after 30 days, $1,500 after 90 days.
• Average earnings $75,000–$100,000 (base plus commissions).
• Benefits package includes:
  • Medical, dental & vision coverage.
  • 401k match.
  • Paid parental leave & adoption assistance.
  • Paid time off (PTO), company holidays, CEO days & floating holidays.
  • Paid volunteer day annually.
  • Tuition assistance, professional certification reimbursement & other development opportunities.
  • AAA membership.
  • Additional discounts, perks, rewards and more.
• Annual Sales Incentive Trip.

• Solicit and sell life & health insurance and annuity products under minimal supervision.
• Demonstrate thorough knowledge of product features and marketing and sales techniques.
• Develop leads and prospects through outbound/inbound calls, mailings, referrals, networking, website and seminars.
• Prepare proposals and close sales of life, health, annuity, membership and financial services products.
• Complete applications, forms and follow internal procedures to ensure transactions comply with company policies.
• Collaborate with branch staff to reach business goals and cross‑sell opportunities.
• Assist underwriting and brokerage departments in meeting requirements.
• Respond to customer inquiries and problems, ensuring sound sales practices.
• Prepare reports documenting prospecting and sales activities, maintain specified production standards and persistency levels.

• Serve members by making satisfaction the highest priority.
• Operate in an open, honest and ethical work environment.
• Lead with best‑in‑class products, benefits and services.
• ACG values employees by rewarding high performance and holding ourselves accountable.

• Possess a valid state life‑sales license.
• Can complete LUTC or CLU coursework.
• Maintain required life and health licenses.
• Have a valid state driver’s license.
• Qualify and maintain all state licenses and appointments required for selling/servicing ACG membership products.

• High school diploma or equivalent.
• Minimum 2 years of experience soliciting and selling life insurance products.
• Experience selling intangible products.

• Strong knowledge of life insurance and annuity products.
• Ability to analyze customer needs and recommend appropriate solutions.
• Effective communication of complex information to prospective clients.
• Proficiency in preparing proposals and closing interviews.
• Accuracy in assessing customer insurance requirements consistent with company standards.
• Mathematical skills for premium and product value calculations.
• Relationship building and customer service skills.
• Prospecting and developing new sales opportunities, meeting production requirements.
• Collaborative work with team members to attain business goals.
• Strong organization, planning, time management and administrative skills.
• Professional and positive representation of Auto Club Life.
• Safe driving to attend community events and meetings.
• Proficient writing for routine correspondence.
• Independent work under minimal supervision.
• PC competency: word processing, spreadsheet, presentation and email.

• Temperature‑controlled office environment.
• Limited travel for community events; exposure to road hazards and temperature extremes.

The Auto Club Group, and all its affiliated companies, is an equal‑opportunity 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. All hires will be required to consent to a background and drug screen per job requirements.