W2 Licensed Life Insurance Agent - Hybrid in Southfield, Michigan at eFund Insurance and Financial Services, LLC

Company: eFund Insurance and Financial Services, LLC
Location: Southfield, Michigan Call Center & Remote
Employment Type: Full-Time | W-2 Employee
Schedule: Monday–Friday, 9:00 a.m. – 6:00 p.m.

At eFund Insurance, we believe in rewarding hard work, dedication, and outstanding sales performance. Our compensation structure combines a competitive hourly base wage with performance-based bonuses and significant earning potential.

• Base Pay: $20.00 per hour

• Monthly Bonuses: $1,000–$5,000+

• Average Annual Earnings: $55,000–$75,000

• Top Performers: $80,000–$120,000+ annually

• Bonus Potential: Uncapped, based on individual production and performance

• Earnings beyond base pay are performance-based and are not guaranteed.

  Position Overview

  eFund Insurance is seeking motivated, professional, and results-driven Licensed Life Insurance Agents to join our growing inbound sales team.

  In this role, you will help seniors and their families secure affordable life insurance coverage that provides financial protection and peace of mind.

  Unlike traditional insurance sales positions, there is no cold calling or prospecting required. Our agents receive inbound calls and live-transfer leads from individuals who have already expressed interest in obtaining life insurance coverage.

  You will speak directly with prospective customers, identify their insurance needs, explain available coverage options, and guide them through the application process.

  We provide the training, technology, sales systems, qualified leads, and ongoing management support necessary to help our agents succeed.

  Whether you are an experienced insurance professional or a newly licensed agent looking to build a rewarding career, eFund Insurance offers an opportunity to grow professionally and financially.

  Key Responsibilities

  • Handle inbound calls and live-transfer leads from prospective life insurance customers.

  • Assist adults ages 50–85 with selecting appropriate life insurance coverage.

  • Build rapport and establish trust with prospective customers.

  • Evaluate customers' insurance needs and recommend suitable coverage options.

  • Clearly explain policy benefits, premiums, coverage amounts, and available options.

  • Follow company-approved sales scripts, procedures, and compliance guidelines.

  • Confidently address customer questions and objections while maintaining professionalism.

  • Accurately complete insurance applications and maintain customer records.

  • Meet or exceed established sales, production, and performance expectations.

  • Maintain a positive, professional, and customer-focused attitude.

  • Participate in ongoing sales training, coaching sessions, and team meetings.

  • Follow all company policies, procedures, attendance requirements, and performance standards.

• Monthly Bonus Structure

  Our performance-based bonus program rewards agents who consistently produce and place quality life insurance business.

  Bonuses begin at $12,500 in placed premium.

  Production Level	Bonus Level
  $12,500 in placed premium	100% – $1,041.66
  75 applications	125%
  150 applications	150%
  250 applications	175%
  350+ applications	200%

  Bonus Requirements:

  • Agents must achieve the minimum placed premium requirement to qualify for bonuses.

  • Agents must maintain at least 60 sales per quarter to retain their current bonus level.

  • Bonus levels are determined by applicable production and application requirements.

  • Bonus eligibility and payments are subject to company compensation, production, placement, and performance policies.

• All bonuses are performance-based and subject to the official eFund Insurance Compensation Plan.

  Qualifications & Requirements

  Required Qualifications

  • Active Life Insurance Producer License.

  • Strong verbal communication and interpersonal skills.

  • Ability to establish trust and build relationships with customers over the phone.

  • Professional, confident, and customer-focused communication style.

  • Strong motivation to achieve sales goals and performance expectations.

  • Ability to follow established sales scripts, processes, and company procedures.

  • Willingness to accept coaching, constructive feedback, and ongoing training.

  • Excellent time management, attendance, and organizational skills.

  • Ability to work independently while contributing to a team-oriented environment.

  • Ability to maintain a consistent full-time work schedule.

  • Must meet applicable licensing, location, and remote-work eligibility requirements.

• Preferred Qualifications

  • Previous life insurance sales experience.

  • Final expense insurance experience.

  • Inbound call center or telephone sales experience.

  • Experience handling live-transfer leads.

  • Proven success meeting or exceeding sales goals.

  • Familiarity with insurance applications, customer management systems, and sales technology.

• Work Environment & Schedule

  eFund Insurance operates a professional, performance-driven sales environment with opportunities for eligible agents to work from our Southfield, Michigan call center or remotely.

  Work Schedule

  • Monday through Friday

  • 9:00 a.m. – 6:00 p.m.

  • Full-time W-2 employment

• Remote Work Requirements

  Remote agents must:

  • Maintain a quiet, professional, distraction-free workspace.

  • Have reliable high-speed internet and equipment meeting company technical requirements.

  • Be available and ready to work throughout their scheduled shift.

  • Attend required virtual meetings, training sessions, and coaching appointments.

  • Follow all company attendance, productivity, communication, and compliance policies.

  • Meet applicable remote-work and state licensing requirements.

• Remote-work eligibility is determined by company policy and business needs.

  Employee Benefits

  As a W-2 employee of eFund Insurance, eligible team members have access to a competitive benefits package designed to support their professional and personal well-being.

  • 401(k) retirement savings plan

  • Health insurance

  • Dental insurance

  • Vision insurance

  • Aflac supplemental insurance coverage

  • Paid time off

  • Performance-based monthly bonuses

  • Sales contests and incentive trips

  • Comprehensive sales training

  • Ongoing professional coaching and development

  • Career advancement and leadership opportunities

• Benefits are subject to eligibility requirements, applicable waiting periods, and the terms of company benefit plans.

  Why Join eFund Insurance?

  No Cold Calling or Prospecting

  Spend your time speaking with customers who have already expressed interest in life insurance coverage. We provide inbound calls and live-transfer leads so you can focus on helping customers and closing sales.

  Competitive Compensation

  Enjoy the stability of W-2 employment with hourly base pay and the opportunity to earn substantial monthly performance bonuses.

  Uncapped Earning Potential

  Your dedication, consistency, and sales performance create opportunities to increase your earnings, with top-performing agents potentially earning six figures annually.

  Comprehensive Training & Support

  We invest in our agents through structured training, proven sales processes, daily coaching, and ongoing professional development.

  Supportive Team Environment

  Work alongside experienced insurance professionals, trainers, and management who are committed to helping you achieve your goals.

  Career Growth Opportunities

  We believe in developing talent and providing advancement opportunities for agents who demonstrate leadership, consistency, and outstanding performance.

  Meaningful Work

  Help individuals and families protect what matters most by providing life insurance solutions that offer financial security and peace of mind.

  Our Application & Hiring Process

  We've designed our hiring process to be simple, efficient, and straightforward. Follow these four steps to begin your career with eFund Insurance.

  Step 1: Start Your Application

  Begin by entering your contact information into our secure ADP recruiting system.

  Once your information has been submitted, check your email for instructions on completing the next step of the application process.

  Step 2: Complete Your Application

  Upload your resume in PDF format and answer 10 brief questions regarding your professional background, employment history, and qualifications.

  Our recruiting team will carefully review your information to determine whether your experience and qualifications align with the position.

  Qualified candidates will receive an email invitation through Calendly to schedule an interview with our recruiting team.

  Step 3: Interview With Our Team

  Meet with our recruiting team to learn more about eFund Insurance and discuss your experience, qualifications, and career goals.

  During your interview, we will review:

  • Your professional background and sales experience.

  • The responsibilities and expectations of the position.

  • Our hourly compensation and monthly bonus opportunities.

  • Our training program and sales processes.

  • Licensing and employment requirements.

  • The next steps in our hiring and onboarding process.

• This is also an opportunity for you to ask questions and learn how eFund Insurance can support your professional growth.

  Step 4: Onboard, Train & Start Selling

  Once selected for employment, you will begin our onboarding and training program.

  All new agents receive structured training designed to prepare them for success.

  Our training includes:

  • Life insurance product knowledge.

  • Final expense insurance fundamentals.

  • Sales techniques and customer relationship building.

  • Company-approved scripts and sales processes.

  • Insurance application procedures.

  • Compliance and regulatory requirements.

  • Company technology and sales systems.

  • Ongoing coaching, mentoring, and performance development.

• Licensing Assistance

  We also offer financial assistance with licensing expenses for eligible individuals who are not yet licensed, subject to company approval and program requirements.

  Our goal is to provide new agents with the knowledge, tools, and support necessary to confidently begin their careers with eFund Insurance.

  Apply Today – Build Your Future With eFund Insurance!

  Are you a motivated, coachable, and goal-oriented professional looking for a rewarding career in life insurance sales?

  At eFund Insurance, we offer more than just a job. We provide an opportunity to build a long-term career, increase your earning potential, and make a meaningful difference in the lives of the families you serve.

  With qualified inbound leads, competitive compensation, comprehensive training, and a dedicated support team, you'll have the resources to pursue your professional and financial goals.

  Take the first step toward your future. Apply today and join the eFund Insurance team!

  Protecting What Matters Most.

  Equal Employment Opportunity Statement

  eFund Insurance and Financial Services, LLC is an Equal Opportunity Employer. We are committed to providing equal employment opportunities to all qualified applicants and employees without regard to race, color, religion, sex, national origin, age, disability, genetic information, veteran status, or any other characteristic protected by applicable federal, state, or local law.

  All employment decisions are based on qualifications, merit, performance, and legitimate business needs.