About Us:
Ray Advertising, headquartered in Redding, California, specializes in performance marketing, insurance lead generation, and e-commerce. To support the rapid growth of our insurance division, we launched Policy Bear, an ACA-first agency dedicated to helping underserved Americans access high-quality, affordable coverage.
Policy Bear provides clear guidance, simple plan navigation, and compassionate enrollment support to consumers nationwide. This position supports Policy Bear’s Final Expense (FE) agent team while benefiting from Ray Advertising’s parent-level infrastructure, technology, leadership, and compliance resources.
We are committed to delivering ethical, transparent, and compliance-focused insurance support to every household we serve.
This role is part of Policy Bear, powered by Ray Advertising.
About the Role:
We are seeking a Licensed Life Insurance Agent to assist consumers with Final Expense (FE) life insurance options. You will educate clients, identify appropriate coverage, and complete enrollments in a compliant, service-focused, and consumer-first manner.
This is a full-time W-2 remote position with company-provided leads, structured training, and ongoing mentorship. Success requires strong communication skills, a reliable work ethic, and strict alignment with all compliance and carrier guidelines.
Why Join Us:
- Company-Provided Leads: Inbound and performance-generated leads provided by the company. No cold prospecting required.
- Structured Onboarding: Training on systems, carriers, product guidelines, and compliance expectations.
- Supportive Leadership: Access to sales leaders, QA, and compliance teams for ongoing coaching.
- Career Growth: Clear pathways into senior agent, QA, compliance, or leadership tracks.
- Performance-Based Earnings: Agents have the opportunity to earn strong weekly income based on production and approved enrollments.
- Remote Work Flexibility: Work from anywhere in the U.S. in a quiet, professional home environment.
Key Responsibilities:
- Handle inbound consumer calls related to Final Expense life insurance.
- Educate clients on coverage options in a clear and compliant manner.
- Guide customers through the application and enrollment process.
- Document all client interactions accurately within company systems.
- Follow all carrier guidelines, underwriting rules, and state/federal insurance regulations.
- Stay updated with product changes, CMS/carrier updates, and internal compliance guidance.
- Manage assigned leads, follow up consistently, and maintain an organized sales pipeline.
- Meet weekly performance, quality, and compliance expectations.
- Deliver an empathetic, professional, trust-based customer experience.
Qualifications:
- Active Resident State Life Insurance License (in good standing).
- Ability to obtain non-resident state licenses if required.
- Authorized to work in the United States.
- Prior Final Expense experience is helpful but not required.
- Strong communication, listening, and problem-solving skills.
- High attention to detail and strong compliance awareness.
- Ability to work independently in a remote environment.
- Comfortable using CRM tools, dialers, and virtual communication platforms.
- Self-motivated and able to meet performance expectations consistently.
Compensation & Benefits:
W-2 Employment — Base Pay + Performance-Based Commissions.
Base Pay: $12/hour (based on experience).
Commission Structure: Tiered weekly commissions based on approved FE enrollments.
Higher production levels unlock higher per-policy commission rates.
Full commission breakdown will be provided during the interview process.
Important Notice (Compliance):
Earnings are performance-based. High-performing agents have the opportunity to earn strong weekly income based on approved enrollments and production volume. Actual earnings vary by agent and are not guaranteed.
Work Details:
Employment Type: Full-Time W-2.
Primary Schedule: Monday–Friday, 8:00 AM – 4:00 PM PST (Subject to performance and business need).
Location: Fully Remote (U.S.-based applicants only).
Technical Requirements:
- Reliable high-speed internet.
- Desktop or laptop with updated operating system.
- Functional webcam and noise-canceling headset.
- Quiet, private workspace suitable for client conversations.
Performance Expectations:
Agents in this role are expected to:
- Maintain weekly production targets aligned with company standards.
- Meet minimum quality assurance (QA) and compliance scores.
- Maintain schedule adherence and reliability.
- Manage leads promptly and professionally.
- Follow all carrier, state, and federal regulations with zero exceptions.
Compliance & Regulatory Alignment:
This role requires strict compliance with:
- State Department of Insurance (DOI) regulations.
- Carrier underwriting guidelines.
- Company QA processes.
- Call monitoring, compliance audits, and script adherence.
Non-compliance may result in corrective action or role reassignment.
Equal Opportunity Employer:
Ray Advertising is an Equal Opportunity Employer. We welcome applicants regardless of race, color, religion, sex, gender identity, sexual orientation, national origin, age, disability, veteran status, or any protected characteristic under federal or state law.
Recruitment Notice:
Beware of recruitment scams. Ray Advertising will never request payment, bank information, or sensitive financial data during the hiring process. Due to high application volume, we may not respond to each applicant individually.
If you are a licensed agent seeking a structured, compliant, performance-driven environment with reliable company leads, we invite you to apply.
