Insurance Sales Agent - St. Cloud, MN

Job Type:

Full time Exempt/Non Exempt:

HourlyJob Description:

This is a relationship driven sales role with long-term income potential through commission. We know building a client base takes time, which is why we offer ramp-up earnings support during your first months as you grow your pipeline and book of business

$2,500 New Agent Ramp-up Incentive

This supports your transition by providing additional income as you develop your pipeline and build a strong foundation for long-term success

If you enjoy helping people, building relationships, and earning more through performance, we’ll provide the training, tools, and support to help you succeed

Success in this role comes from:

• Consistent outreach

• Proactive engagement with prospective clients

• Strong follow-up

• Community networking

• Building trust with clients

Position Schedule / Shift:

Monday - Friday 8:30 am – 5:30 pm

Position Summary

Full-time | W‑2 | Base Pay + Incentives + Full Benefits

Join a fast-paced branch where you’ll grow your sales career by helping customers find the right insurance and financial solutions. Build meaningful relationships, uncover new opportunities, and drive business through community engagement and referrals—all while earning rewards for your success

Key Responsibilities

• Sales, Retention & Revenue Growth: Own the sale and ongoing service of ACG‑branded and brokered insurance products, memberships, and financial products within a high‑traffic ACG branch; uncover customer needs, generate new business, retain existing clients, grow ACG’s insurance portfolio, overcome objections, negotiate effectively, close sales, and meet or exceed individual sales targets and incentive plan expectations.

• Insurance Reviews & Policy Execution: Conduct comprehensive insurance reviews to assess risk, identify coverage gaps, recommend appropriate solutions, and quote, bind, and issue policies in accordance with underwriting guidelines and regulatory requirements.

• Customer Relationship Management: Build and maintain strong rapport with members and clients, respond to inquiries with professionalism and urgency, and support high customer satisfaction, loyalty, and trust in the AAA brand.

• Prospecting, Community Engagement & Referrals: Actively engage in local branch and community events to prospect, expand referral networks, develop new business opportunities, and identify cross‑sell and referral opportunities into Travel and Financial Services to maximize overall member value.

Required Qualifications:

• Active State Property & Casualty Insurance Sales license

• Active State Life and Health Insurance Sales license, or obtain within 60 days of hire

• If you do not possess the appropriate license, ACG may assist candidates

• Must qualify, obtain, and maintain all applicable state licenses and appointments required for selling and/or servicing Auto Club Group Membership products.

• Obtain Health and Accident licenses and appointments where applicable as deemed necessary and within a time frame established by the Business Unit.

• High School diploma or equivalent

• 1+ year(s) of customer-facing experience in a fast-paced computer automated business environment (i.e., financial/banking)

• Insurance experience is helpful—but not required.

• We provide training to help you get licensed and confident in the role

Experience That Sets You Up for Success

• Sales Execution & Pipeline Management: Demonstrated ability to develop, manage, and close sales opportunities, including disciplined lead tracking, follow‑up, pipeline management, and accountability for achieving and exceeding performance goals.

• Consultative Selling & Customer Discovery: Apply consultative selling techniques supported by deep product knowledge, strong listening skills, and the ability to quickly assess customer needs, identify coverage gaps, recommend appropriate solutions, and deliver tailored value.

• Prospecting & Business Development: Proven ability to generate new opportunities through referrals, outbound activity, networking, and other business‑development efforts.

• Communication & Customer Mindset: Excellent verbal and written communication skills with a strong customer‑first mindset and confidence in guiding sales conversations.

• Sales Technology & Tools: Proficient in leveraging technology to support sales execution, including CRM platforms and Microsoft Office applications.

Work Environment

• Work in a temperature-controlled AAA branch location

• Ability to work varied hours, including possible weekends

• Some travel to local events may be required

Compensation & Benefits Overview

ACG complies with all applicable state and local laws regarding required benefits (including PTO, paid sick leave, etc.).

Deeper Dive into Pay & Incentives

Build a rewarding sales career with the stability of base pay, performance-based earning potential, and support to grow, with additional career path options available if entrepreneurship is part of your long-term goals.

• Base pay (non-exempt)

• Typical first year earnings including base, commission, and bonuses $70,000+ (Compensation will rise with experience. This is potentially a six-figure avocation)

• Additional Compensation

• Ramp-up support $2,500

• Processed 30 and 60 days of employment

• Supplement Pay for seven months

• $200/week during months 0-2

• $150/week during months 3-4

• $100/week during months 5-6

• Performance Incentives

• Elevated commission structure during the first 15 months

• New Hire On‑Pace Bonus tied to milestones

Benefits:

At ACG, we offer a comprehensive and flexible benefits package designed to support your health, financial well-being, and professional growth.

Health & Wellness

• Medical plans with multiple coverage options, including HSA eligibility.

• Prescription drug coverage.

• Dental and vision benefits.

• Employee Assistance Program (confidential support services).

Financial Protection & Insurance

• Company-paid basic life insurance.

• Optional supplemental life insurance and dependent coverage.

• Short-term and long-term disability coverage.

• Critical illness, accident, and pet insurance options.

Retirement & Savings

• 401(k) plan to support long-term financial goals

• 3% automatic deferral upon eligibility; may contribute 1% to 50% of eligible earnings, either pre or post tax.

• Company match of 50% paid on employee contributions up to 6% of pay, payable to employees following the end of the year; immediate vesting.

• Additional company contribution of 4% of pay each pay day into your account; 100% vested after three (3) years of service.

• Health Savings Account (HSA) and Flexible Spending Accounts (FSA) options.

Time Off & Leave

• Paid Time Off (PTO): Accrual-based, increases with tenure, eligible at 90 days of employment.

• Full-time new employees will receive up to 12 PTO days annually; accrual based on start date and may include additional PTO based on role and/or state & local requirements.

• Part-time employee PTO hours are calculated based upon the standard weekly hours the employee is scheduled to work and will accrue at a minimum of 3 hours per month.

• Paid Holidays:

• Full-time employees are eligible for 10 company-paid holidays annually, in addition to 1 mental health day, 2 floating holidays and 1 volunteer day. Holidays vary by business unit schedules.

• Part-time employees are eligible for 8 company-paid holidays annually, in addition to 1 mental health day and 2 floating holidays. Holidays vary by business unit schedules.

• Paid leave programs, including parental, bereavement, jury duty, and military leave.

Career Growth & Education

• Tuition assistance (up to $5,250 annually; 80% covered by ACG).

• Professional certification support with 100% reimbursement for eligible programs.

• Opportunities for career development and advancement.

Additional Perks

• Complimentary AAA membership with roadside assistance and travel discounts.

• Adoption assistance program.

This position is expected to remain posted through 9/1/2026; however, it may close at any time once a qualified candidate pool is identified.

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Who We Are

Become a part of something bigger.

The Auto Club Group (ACG) provides membership, travel, insurance, and financial service offerings to approximately 14+ million members and customers across 14 states and 2 U.S. territories through AAA, Meemic, and Fremont brands. ACG belongs to the national AAA federation and is the second largest AAA club in North America.

By continuing to invest in more advanced technology, pursuing innovative products, and hiring a highly skilled workforce, AAA continues to build upon its heritage of providing quality service and helping our members enjoy life’s journey through insurance, travel, financial services, and roadside assistance.

And when you join our team, one of the first things you’ll notice is that same, whole-hearted, enthusiastic advocacy for each other.

We have positions available for every walk of life! AAA prides itself on creating an inclusive and welcoming environment of diverse backgrounds, experiences, and viewpoints, realizing our differences make us stronger.

To learn more about AAA The Auto Club Group visit

Important Note:

ACG’s Compensation philosophy is to provide a market-competitive structure of fair, equitable and performance-based pay to attract and retain excellent talent that will enable ACG to meet its short and long-term goals. ACG utilizes a geographic pay differential as part of the base salary compensation program. Pay ranges outlined in this posting are based on the various ranges within the geographic areas which ACG operates. Salary at time of offer is determined based on these and other factors as associated with the job and job level.

The above statements describe the principal and essential functions, but not all functions that may be inherent in the job. This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements. Reasonable accommodations will be made for otherwise qualified applicants, as needed, to enable them to fulfill these requirements.

The Auto Club Group, and all its affiliated companies, is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, sexual orientation, national origin, disability or protected veteran status.

Regular and reliable attendance is essential for the function of this job.

AAA The Auto Club Group is committed to providing a safe workplace. Every applicant offered employment within The Auto Club Group will be required to consent to a background and drug screen based on the requirements of the position.