Prospecting and lead follow-up. Contacting warm leads (often provided by the company) and generating your own through referrals, social media, and your personal network. Many roles expect a high volume of calls, texts, and emails daily.

Conducting virtual needs assessments. Meeting clients over video or phone to understand their family situation, income, debts, and financial goals so you can recommend appropriate coverage.

Explaining products clearly. Walking clients through term life, whole life, universal life, and sometimes final expense or mortgage protection policies, including premiums, benefits, and riders, in plain language.

Preparing quotes and recommendations. Using quoting software to compare options and present coverage that fits the client's needs and budget.

Completing applications. Guiding clients through e-applications, collecting accurate health and personal information, and submitting paperwork to underwriting.

Supporting clients through underwriting. Coordinating medical exams or phone interviews, following up on missing requirements, and keeping clients updated until the policy is issued.

Maintaining the CRM. Logging every call, appointment, and note, and tracking your pipeline so no lead falls through the cracks.

Meeting sales targets. Working toward weekly or monthly goals for calls, appointments, and submitted premium, since pay is often commission-based or heavily commission-weighted.

Staying compliant. Following state insurance regulations, carrier guidelines, and privacy rules (like handling personal health information properly), and using approved scripts and disclosures.

Getting and keeping licensed. Obtaining your state life insurance license (sometimes after hire, with company support), plus nonresident licenses if you sell in other states, and completing continuing education.

Building client relationships. Following up after policies are placed, handling policy reviews, and asking for referrals to grow your book of business.

Participating in training. Attending virtual team meetings, product trainings, and coaching sessions, which are especially common in the first several months.

Managing your own schedule. Staying self-motivated and organized working from home, including setting appointments across time zones and keeping a consistent work routine.

Typically required

High school diploma or GED. A college degree is rarely required for entry-level roles.

State life insurance license, or willingness to get one. Many companies hire unlicensed candidates and expect you to pass the exam within 30 to 60 days, sometimes with paid prelicensing courses.

Clean background check. State licensing requires disclosure of criminal history, and certain financial or fraud-related offenses can disqualify you.

Legal authorization to work in the U.S. and usually a minimum age of 18.

Reliable home office setup. This means a computer, high-speed internet, a headset, a webcam, and a quiet, private space for client calls.

Basic computer skills. Comfort with email, video platforms like Zoom, CRM software, and online applications.

Strong verbal communication. You'll spend most of your day on the phone or video explaining financial products.

Strongly preferred

Sales or customer service experience. Six months to two years in call centers, retail, hospitality, or any phone-based role is a big plus.

Self-motivation and discipline. Remote, commission-driven work requires you to manage your own time without supervision.

Resilience with rejection. Employers look for people who can handle a high volume of "no" answers and keep going.

Goal orientation. A track record of hitting quotas, metrics, or personal targets.

Active listening and empathy. Life insurance conversations involve family, health, and death, so tact matters.

Organizational skills. Tracking leads, follow-ups, and appointments accurately.

Comfort with commission-based pay. Many roles are commission-only or base-plus-commission, so financial flexibility during ramp-up is often expected.

Communication: explaining complex products simply and confidently

Active listening: understanding client needs before recommending coverage

Persuasion: guiding clients toward decisions without being pushy

Resilience: staying motivated through frequent rejection

Time management: structuring your own day in a remote setting

Organization: tracking leads and follow-ups consistently

Empathy: handling sensitive topics like health and family with care

Tech proficiency: comfort with CRMs, quoting tools, and video calls

Self-motivation: working productively without direct supervision

Attention to detail: completing applications accurately for underwriting

Lifetime renewal income, dental, AAA, health insurance cost reimbursement upon hitting sales marks, life insurance policy

Fisher Organization is a dedicated sales team focused on helping individuals and families achieve lasting financial security. Guided by our core values—building relationships, personal and professional growth, integrity, and commitment—we strive to serve every client with care and expertise. Our experienced professionals are passionate about making a positive difference in the lives of those we serve.

At Fisher Organization, we provide tailored life insurance solutions to match each client’s unique needs. We believe in building strong, long-term relationships and guiding our clients through every step of the decision-making process. With a focus on integrity and commitment, we offer clear information, professional service, and ongoing support—empowering clients to protect what matters most with confidence.