20 American Income Life: AO Interview Questions and Answers

American Income Life is a subsidiary of Globe Life Inc. and is one of the largest providers of supplemental life insurance in North America. American Income Life has over 2 million policyholders and offers a variety of life, health, and accident insurance products.

If you’re interviewing for a job at American Income Life, you can expect to be asked a mix of questions about your experience, qualifications, and motivation for the job. To help you prepare, we’ve gathered a list of sample American Income Life interview questions and answers.

American Income Life: AO Interview Process

The interview process at American Income Life: AO is generally fast and stress-free. Most interviews are conducted over Zoom, and they typically only last one-on-one with the hiring manager. However, some positions may require a more extensive interview process, such as watching a company overview video or shadowing another agent. Overall, the interview experience is generally positive, although some applicants have found the company to be misleading about the true nature of the position.

1. What is your experience with life insurance?

This question is a great way to see how much experience you have with the industry. If you’re new, it’s okay to say so and explain what your background is. You can also talk about any certifications or licenses you may have.

Example: “I’ve been working in life insurance for five years now. I started as an underwriter at my previous company where I worked on policies from start to finish. I was promoted to senior underwriter after two years, which required me to train junior underwriters. I am currently pursuing my CLU certification.”

2. Tell me about a time when you had to handle multiple tasks at once, how did you manage it?

American Income Life is a fast-paced environment, and the interviewer wants to make sure you can handle it. Use your answer to highlight your multitasking skills and ability to prioritize tasks.

Example: “In my previous role as an insurance agent, I had to manage multiple clients at once while also handling incoming calls from prospective customers. To stay on top of everything, I developed a system where I would take notes during client meetings so that I could refer back to them later. This helped me remember important details about each client’s situation and allowed me to provide better service.”

3. Are you willing to work evenings and weekends?

American Income Life is a 24/7 operation, so the interviewer wants to know if you’re willing to work evenings and weekends. This question also helps them determine whether or not you have experience working in this type of environment. If you don’t have any experience working nights and weekends, explain that you are open to learning how to do it.

Example: “I am happy to work whatever hours are necessary to get the job done. I understand that American Income Life is a 24/7 operation, so I’m prepared for that. However, I haven’t worked late at night or on weekends before, but I would be more than happy to learn.”

4. Why do you think you would be a good fit for this position?

This question is a great way for employers to learn more about your qualifications and how you think. When answering this question, it can be helpful to highlight some of the skills or experiences that make you an ideal candidate.

Example: “I believe I would be a good fit for this position because my previous experience in customer service has taught me how important it is to treat customers with respect and kindness. In fact, I have always strived to go above and beyond for my clients, which is why I am so passionate about helping people find financial security. I also feel like I would be a great fit for this role because I am committed to providing excellent customer service and building long-lasting relationships with my clients.”

5. In what ways can you contribute to the company?

This question is a great way to show your interest in the company and how you can help it grow. When answering this question, make sure to highlight any skills or experience that will be beneficial to American Income Life.

Example: “I am passionate about helping others achieve their financial goals. I have been working as an insurance agent for five years now, and my clients always leave happy with the service they receive. I believe that I can bring my expertise and knowledge of the industry to American Income Life and help you reach new customers.”

6. How comfortable are you working in a sales environment?

American Income Life is a sales position, so the interviewer will likely want to know how comfortable you are with selling. They may ask this question to see if you have experience in a similar role and whether or not you enjoy it. In your answer, try to show that you understand what’s involved in working in a sales environment and that you’re willing to do whatever it takes to help achieve company goals.

Example: “I’ve worked in a sales environment for most of my career, so I’m quite comfortable with it. I find that I really enjoy helping people find solutions to their financial problems. It makes me feel good when I can provide someone with the tools they need to get back on track.”

7. Describe your previous experience as an agent.

This question is an opportunity to showcase your experience and expertise as a life insurance agent. When answering this question, it can be beneficial to include the specific duties you performed in your previous role.

Example: “In my last position, I was responsible for finding new clients through cold calling and networking. I also helped existing clients renew their policies by reviewing their current coverage and recommending changes if necessary. Finally, I assisted with training new agents on our company’s products and procedures.”

8. How would you approach a potential client that has been hesitant to purchase a plan from us in the past?

This question can help the interviewer determine how you might approach a client who is hesitant to purchase life insurance. Use examples from your past experience that show how you would overcome objections and convince clients to buy plans from American Income Life.

Example: “I would first ask them why they haven’t purchased a plan before, and I would listen carefully to their concerns. Then, I would explain the benefits of purchasing a policy with us at American Income Life. If they are still hesitant, I would offer to meet with them in person or over the phone to answer any questions they have about our company.”

9. Do you have any experience managing a team of agents?

American Income Life is a large company that employs many agents. The hiring manager may ask this question to see if you have any experience managing others and how well you can do so. If you have management experience, share an example of how you managed your team. If you don’t have management experience, explain what steps you would take to learn how to manage a team.

Example: “I’ve never had the opportunity to manage a team of agents, but I am eager to gain that experience. In my current role as a financial advisor, I work with two other advisors who are more experienced than me. I try to be open to their advice and suggestions when they offer them. I also like to think through situations before making decisions on my own. By doing these things, I hope to continue learning from my colleagues.”

10. What is your availability like?

American Income Life is a 24/7 operation, so the interviewer wants to know if you can work nights and weekends. They also want to make sure that you have reliable transportation to get to your job site. Show them that you are committed to this career by giving them an answer that includes specific dates of availability.

Example: “I am available for full-time employment starting immediately. I will be able to work every night and weekend until midnight as well as all holidays. My car has been in good condition for several years now, so I don’t anticipate any issues with getting to my job sites.”

11. Give an example of a time where you were able to successfully motivate someone else.

American Income Life is a sales position, so the interviewer will want to know that you can motivate your team members and help them succeed. This question allows you to show how you can inspire others to do their best work.

Example: “At my last job, I had a colleague who was struggling with motivation. He would often miss deadlines or take long breaks during the day. I approached him privately and asked if he was having any issues at home or work. He told me that he was just bored with his current role and wanted more responsibility. I offered to train him on some of our other products and gave him additional responsibilities within the company.”

12. When was the last time you made a sale over the phone?

This question is a great way to see how comfortable you are with selling over the phone. It also helps employers understand what your sales process looks like and whether or not it’s effective. When answering this question, try to describe the situation as thoroughly as possible. Explain why you chose to do things in that particular way and if there were any positive outcomes from your actions.

Example: “The last time I made a sale over the phone was when I called a client who had just turned 18. They hadn’t been paying their premiums for several months, so I called them to discuss our policy on late payments. I explained that we would be willing to work with them to find a solution that worked for both of us. The client agreed to start making monthly payments again, but they asked if they could pay half of the premium at that time and the other half later. I told them that we couldn’t make those arrangements, but I offered to give them a discount on their next payment.”

13. Why do you want to work at American Income Life?

This question can help the interviewer determine your motivation for working at this company. They may want to know that you are passionate about helping others and providing financial security. Use examples from your background or personal experiences to show how you would benefit from working at American Income Life.

Example: “I have always been interested in helping people, so I decided to pursue a career in finance. When I was looking for my first job, I found out that American Income Life is one of the most reputable life insurance companies in the country. I am excited to work here because I think I can make a real difference in people’s lives by helping them get the coverage they need.”

14. What type of training have you received or taken part in?

American Income Life offers training to help their agents succeed. They want to know that you are willing to learn and grow as an agent. When answering this question, explain what type of training you have received in the past and how it helped you become a better agent.

Example: “I took part in a three-day training course when I first started working for American Income Life. The training was very helpful because it taught me all about the company’s products and services. It also gave us information on how to sell these products and services to clients. Since then, I’ve taken several online courses to further my knowledge of the company and its products.”

15. Have you ever worked on commission before?

This question is a great way to learn more about your potential new employer. If you have experience working on commission, the interviewer will likely ask you more questions about that experience and how it relates to this job. If you don’t have any experience with commission, you can talk about other ways you’ve been rewarded for your work.

Example: “I haven’t worked on commission before, but I do understand what it’s like to be paid based on my performance. In my last position as an insurance agent, I was able to increase sales by 10% in one quarter. My manager gave me a bonus of $500 for that accomplishment.”

16. Can you tell me about a time when you had to deal with an unhappy customer?

American Income Life wants to know that you can handle customer complaints and still maintain a positive attitude. This is an important skill for any sales position, but especially one in which you will be working with clients who are often going through difficult times.

Example: “I had a client once who was very upset about the amount of money they were paying each month on their life insurance policy. They felt like it was too much and wanted me to lower it immediately. I explained to them that we could not change the rate until the end of the year when their contract expired. Instead of lowering the rate, I offered to give them a discount on their next renewal if they agreed to pay the current rate for another six months.”

17. Sometimes we get clients who aren’t very interested in purchasing our products. How would you approach these types of clients?

This question is an opportunity to show your sales skills and how you can convince clients to purchase products. You should answer this question by describing a time when you convinced a client who wasn’t interested in purchasing a product, but eventually did so.

Example: “I once had a client who was hesitant about buying life insurance because he didn’t want to spend the money on it. I explained that if something were to happen to him, his family would be left with no income or support. He agreed to buy the policy after hearing my explanation.”

18. How would you describe your communication style?

American Income Life is a company that values strong communication skills. This question helps the interviewer determine how you would interact with your team members and customers. Use examples from past experiences to show how you can effectively communicate information in different situations.

Example: “I consider myself an empathetic communicator, which means I try to understand others’ perspectives before responding. In my last role as a financial advisor, I had a client who was upset about her portfolio’s performance. Instead of immediately explaining why this happened, I asked questions to learn more about her investment goals and risk tolerance. After learning more about her situation, I explained why her portfolio performed poorly and offered suggestions for improving its performance.”

19. What is your experience with developing marketing strategies?

American Income Life is a marketing-focused company, so it’s important that you have experience with developing strategies for your clients. When answering this question, make sure to highlight the steps you take when creating a strategy and how you use data to inform your decisions.

Example: “I’ve worked in both small and large companies where I was responsible for developing marketing strategies. In my last role, I was tasked with creating an effective digital marketing plan that would increase our client base by 20%. After researching our current customers, I found that we were missing out on reaching older adults who didn’t use social media as much. So, I created a targeted ad campaign that reached these individuals through online news sites.”

20. What are some qualities that make a successful agent?

American Income Life wants to know what you think makes a successful agent. They want to see that you have the qualities and skills necessary to succeed in this role. When answering this question, it can be helpful to list several qualities and explain why they are important.

Example: “I believe that one of the most important qualities for a successful agent is empathy. I understand how difficult life can be, so I am always willing to listen to my clients and help them find solutions to their problems. Another quality that helps me succeed as an agent is patience. My job requires me to work with many different people, some of whom may not be very pleasant. Having patience allows me to remain calm when working with these individuals.”