Annuity Sales Representative
Job description
About the role
You are a founding member of the Annuity Sales team shaping how Ethos sells annuities from day one. Your primary mission is to guide customers through the annuity buying journey with clarity and confidence. You will handle inbound and outbound outreach while educating clients on product mechanics and suitability. This role owns the end-to-end experience, turning complex retirement solutions into understandable decisions. You act as the voice of the customer, feeding insights directly to Product and Engineering teams. Success is defined by your ability to build trust, explain value, and hit monthly conversion targets. You are responsible for making the annuity process transparent, efficient, and human-centered.
Key facts
What you'll do
Initiate and manage conversations with prospects through calls, emails, and SMS channels.
Educate customers on Ethos annuity products, features, and the application workflow.
Discover individual retirement goals and tailor solutions that align with their specific needs.
Build long-term customer relationships to drive conversion and meet monthly targets.
Provide feedback to Product and Engineering teams based on customer interactions and observed friction.
Manage opportunities through the full sales pipeline and support them through application completion.
Contribute to the development of sales scripts, outreach methods, and process improvements for annuities.
Encourage referral activity by delivering exceptional experiences that customers want to share.
Interpret customer requirements and match them with appropriate annuity structures and riders.
Maintain detailed records in Salesforce to ensure accurate tracking and handoffs.
Demonstrate active listening to fully understand concerns before proposing solutions.
Collaborate with underwriting and compliance to resolve questions and keep applications moving.
Adapt your communication style to different customer personalities and decision-making preferences.
Monitor performance metrics and adjust strategies to improve response and close rates.
Requirements
You must hold an active Life and Health Insurance License to be considered for this position.
Completion of state-required Annuity Suitability training or equivalent certifications is mandatory.
You must have 2-3 years of direct-to-consumer annuity telesales experience, with Fixed, Fixed-Index, or MYGA background preferred.
A minimum of 7 years of cumulative experience in annuity, life, or health insurance sales is required.
You must demonstrate strong proficiency using Salesforce or a comparable CRM platform.
A proven track record in sales with the ability to overcome objections and close deals is essential.
You must be able to multitask, prioritize activities, and manage your time effectively in a fast-paced setting.
You should have the capability to identify customer friction points and propose practical solutions.
Excellent time management and organizational skills are necessary to handle multiple prospects simultaneously.
You must be able to adapt quickly to changes in products, regulations, and workflows.
A strong internal drive to win and exceed targets is expected at all times.
You should be a quick learner who thrives in dynamic, constantly evolving environments.
Exceptional verbal and written communication skills, especially on the phone, are required.
A passionate commitment to delivering outstanding customer service is non-negotiable.
Nice to have
Previous experience designing or launching new insurance product categories is valued.
Familiarity with retirement income planning concepts and suitability frameworks is preferred.
Experience coaching or mentoring junior sales representatives is a plus.
Comfort with data analysis and interpreting CRM reports to refine sales strategies is encouraged.
Background in fintech or digital insurance distribution models is desirable.
Practical notes
This is a remote position available across the United States.
The role operates on a full-time schedule with standard business hour expectations.
Travel is not required for this position.
No visa sponsorship is available at this time.
Candidates must be able to start within a reasonable timeframe as defined by hiring timelines.