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Quick Apply
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External Wholesaler — Life Insurance and Annuities

Reframe Financial Insurance Agency
Remote

Quick Apply

Job Details

Full-time
8 days ago

Benefits

Life insurance

Qualifications

Customer relationship building
Client relationship development
Life insurance knowledge
Territory management
Customer relationship management
Annuities
Recruiting
Sales strategy
Life insurance sales
Insurance sales
Life & Health Insurance License
Wholesale sales environment

Full Job Description

EXTERNAL WHOLESALER — LIFE INSURANCE AND ANNUITIES

Reframe Insurance Agency | Remote (National)

About Reframe

Reframe is building the future of insurance distribution. We combine a proprietary technology platform — featuring AI-driven instant decision underwriting, a fully digital eApplication, and modern producer and customer portals — with a growing Brokerage General Agency (BGA) offering access to 47 A-rated carriers with 400+ product solutions. We are looking for an experienced External Wholesaler to help us build and scale our distribution from the ground up.

This is not a territory maintenance role. This is a ground-floor opportunity to shape the distribution strategy of a tech-enabled BGA backed by industry-leading technology and a team with 200+ years of insurance experience.

The Role

As our External Wholesaler, you will drive life insurance and annuity production by leveraging your existing network and expanding Reframe’s distribution footprint. You will recruit and onboard agents by demonstrating the value of our technology, competitive compensation, and multi-carrier platform.

You will work closely with BGA leadership to develop and execute a strategic territory plan with defined production, growth, and recruitment goals. You will support agents with tailored product solutions, advanced sales support, and illustrations across our carrier network. You will also lead training and educational sessions, provide market feedback, and represent Reframe at industry events and conferences.

What You'll Do

Leverage your existing network of agents to drive life insurance and annuity production
Recruit and onboard new agents to the platform
Build, grow, and deepen relationships with independent agents, financial advisors, RIAs, and P&C agencies
Develop and execute a territory business plan with clear production targets, penetration goals, and agent recruitment milestones
Run illustrations and product recommendations across 47 carrier partners, matching the right product to each client situation
Provide advanced sales case support — help agents design and close complex cases they couldn't handle on their own, including estate planning, business succession, and high-net-worth scenarios
Collaborate with underwriting and new business teams to prioritize and escalate cases, ensuring a seamless agent experience from application to policy delivery
Conduct virtual and in-person sales presentations, product training sessions, and webinars to educate agents on Reframe's product portfolio and platform capabilities
Partner with our internal wholesaler on lead follow-up, marketing campaigns, and pipeline management
Provide field intelligence back to the team — what agents need, where products fall short, and where market opportunities exist
Represent Reframe at industry conferences, carrier events, and networking functions

What You Bring

7+ years of life insurance wholesaling experience in an independent BGA environment
5+ years of annuity wholesaling experience in an independent BGA environment
An extensive, established network of active life insurance producers — agents, financial advisors, and/or producer groups — that you can immediately leverage
Proven ability to recruit agents and grow production in a territory
Deep knowledge of individual life insurance products: term, whole life, IUL, UL, hybrid life/LTC solutions, and annuities
Experience running illustrations and making product recommendations across multiple carriers
Ability to work independently, with a self-starter mentality — this is a build role, not a maintenance role
Strong relationship-building skills — you earn trust, you don't just pitch
Comfortable with technology and excited about using digital tools to sell more effectively
Active state life and health insurance license (or ability to obtain promptly)
CLU, ChFC, or CFP designation preferred but not required
Willingness to travel as needed for agent meetings, industry events, and carrier conferences

Why Reframe

Ground-floor opportunity — help build a BGA from scratch with the backing of a proven insurtech platform
Technology advantage — our AI-powered underwriting, digital eApp, and producer portal give your agents tools that most BGAs can't offer
Multi-carrier access — 47 A-rated carriers with competitive compensation grids
Experienced leadership — our BGA is led by a proven BGA builder with deep industry relationships
Entrepreneurial culture — small team, big ambition, real ownership of outcomes
Competitive compensation — base salary plus uncapped commission override on all production in your territory

Compensation

Base salary plus commission override structure. OTE dependent on experience and production. This is designed to reward builders — the upside is significant for the right person.

Application Question(s):

Do you have an existing network of active life insurance agents?
Is your wholesaling experience primarily within an independent BGA environment?

Experience:

life insurance wholesaling: 7 years (Required)

Work Location: Remote

Quick Apply

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