ALIC

Annuity Suitability Consultant

AAA Life Insurance Company

place Livonia, 48150

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Telehealth, Hybrid (Remote and Onsite), Flexible (Remote or Onsite)

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Other Behavioral, Mental, or Healthcare Field

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Internship, Consultant

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Other Benefits

Annuity Suitability Consultant

US-MI-Livonia

Job ID: 2025-2018
Type: Regular Full-Time
# of Openings: 1
Category: Operations
Livonia

Overview

We need an ambitious, curious leader to become an Annunity Suitability Consultant on the Operations Team to help drive the biggest change in the company’s history.

The Opportunity – Why Join

Are you ready to redefine how an entire industry engages with customers? At AAA Life we leverage technology to put human connection at the heart of what we do. If you are someone who thrives on purpose and wants to make a tangible difference in people’s lives when it matters most, then join AAA Life who has the unique ability to access tens of millions of existing AAA customers powered by the strength of one of America’s most trusted brands. We have embarked on a mission to double in size - Becoming one of the largest providers in the US. These facts showcase why we're the right choice:

On purpose: a leading professional services firm found that the commitment, empathy and dedication of employees at AAA Life was the highest across a benchmark of top US companies

On growth: we have the privilege to offer our products to tens of millions of Americans that are proud members of AAA

On making a difference: we serve Americans by delivering life insurance products that make a true difference for families during their hardest times, not wealth management instruments (more details on this during the interview)

On culture: USA Today named us 2025 top workplace nationwide. We believe the job of an insurance company is to do good. Our mission is to help our members during what is often the hardest times in their lives. We pick up the phone to people who have lost loved ones and offer our genuine support. That is why we will always put human connection at the heart of what we do - always being there to talk to our members person to person. We believe the job of an insurance company is to pay out. That is what insurance is for. Most of our members have real life policies - policies that bring peace of mind during life, and genuine support in the event of death. We are not here to chase the super-rich with annuities and wealth management products. AAA has been one of the most trusted names in America because it believes in providing the services that middle class Americans need.

Responsibilities

The Role

The Annuity Processing/Suitability Consultant plays a critical role in the administration and processing of annuity contracts. The Consultant will spend a significant amount of time performing suitability reviews and working with the agents to get suitability approval.

This role ensures the accurate and timely handling of annuity applications, policy issuances, and related service requests. The consultant works closely with internal teams, such as underwriting, actuarial, and compliance, to manage the lifecycle of annuity contracts and ensures all processes comply with industry regulations and company standards.

Takes responsibility for the most complex, highest face amount and most senior applications and evaluates within guidelines established. Works closely with sales agents, customers on sensitive cases to gather information to process applications. Has authority to approve transactions up to dollar limit. Handles referral cases from others and assists in the development and training of less experienced processors.

The Next Phase

Our mission is to provide those services for as many people as we can. To achieve that we need to evolve. We need to boldly embrace innovation and technology. Your leadership will help us deliver on our mission together and achieve our transformation. At AAA Life, empathy and progress go hand in hand, creating a culture where bright ideas flourish and meaningful impact grows. If you are drawn to an environment that values purpose as much as potential, we invite you to join us. Because here, being there for people isn’t just a promise—it is our driving force.

Position Responsibilities

Perform suitability reviews and work with the agents to get suitability approval.
Review and process incoming annuity applications, ensuring all required documentation is complete and accurate. Review policies/applications both inforce and new applications for suitability
Process policy modifications, such as beneficiary updates, contract transfers, and partial and full withdrawals for all forms of withdrawals, in a timely manner.
Handle requests for annuity payments, including annuitization and scheduled disbursements.
Ensure all processing activities adhere to regulatory requirements, internal policies, and industry best practices.
Has a collaborative relationship with agents/field management, applicants, vendors, other business units, and managers with a focus on attainment of sales goals and objectives. Proactively monitors reporting and cases to assure that sales objectives are achieved.

Qualifications

Bachelor’s degree in Business Administration, Finance, Insurance, or a related field (preferred).
6-8 years of experience in annuity processing, life insurance, or financial services operations.
Experience performing suitability reviews is highly desirable
Experience with insurance or annuity systems (such as Policy Administration Systems) is highly desirable.

Preferred Qualifications

Strong understanding of annuity products, processing procedures, and regulatory compliance.
Proficient in Microsoft Office Suite (Excel, Word, etc.) and familiar with internal systems used for annuity processing.
Detailed knowledge of the sales process, distribution channels and product lines
Strong analytical and problem-solving abilities.
Effective communication skills, both written and verbal, with a customer service orientation.
Relocation Available

How You’ll Work

Work Solution: Remote

Relocation Eligibility: Not Available

What We Bring to the Table

Hybrid work environment that promotes work-life balance
Comprehensive medical, dental, and vision coverage starting from your first day
Employer 401k match and employer contribution to a pension plan
Generous PTO and paid parental leave to support your family needs
Various associate resource groups and community involvement initiatives

Essential Job Functions

While performing the duties of this job, the employee isfrequentlyrequired to stand, walk, sit, use hands to finger, handle, or feel and talk or hear.Specific vision abilities required by this job include close vision, distance vision, color vision, depth perception, and ability to adjust focus.

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 accommodation will be provided for otherwise qualified applicants as needed to enable them to fulfill these requirements.

AAA Life Insurance Company does not offer immigration sponsorship for this position. This includes visa types such as H-1B, TN, and STEM OPT. Please do not apply if you currently require or may require employer-sponsored immigration support now or in the future.

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