Licensed Annuity Specialist

Overview

Oceanview Life and Annuity Company is seeking a Licensed Annuity Specialist - Direct Consumer to support consumers exploring, purchasing, or already owning Oceanview annuity products.

The Licensed Annuity Specialist will serve as a trusted resource for consumers engaging directly with Oceanview through our website, marketing and digital channels, existing policyholder relationships, and other direct inquiries. Unlike a traditional financial advisor role, this position does not require building a personal book of business or providing comprehensive investment or financial-planning advice. Instead, the Specialist will focus on helping consumers understand Oceanview's fixed and fixed indexed annuity solutions and navigate the purchase and ownership experience.

The Specialist will engage prospective customers, explain product features using approved information and materials, prepare and review illustrations, and help consumers progress from initial inquiry through application, funding, and policy issuance. The role will also maintain relationships with Oceanview's direct and house-account policyholders and provide licensed support to consumers engaging through Oceanview's evolving Direct Digital experience.

Success in this position requires a consultative sales approach, strong communication and follow-through, sound judgment, attention to detail, and a commitment to delivering a high-quality consumer experience within a regulated environment.

Responsibilities

WHAT YOU'LL DO

Consumer Sales & Engagement

• Respond promptly and professionally to inbound consumer inquiries and leads generated through Oceanview's website, marketing activities, digital experiences, existing policyholder relationships, and other direct channels.
• Engage consumers in consultative conversations to understand their questions, objectives, and circumstances and help them evaluate applicable Oceanview annuity solutions.
• Clearly explain Oceanview's fixed and fixed indexed annuity products, including applicable rates, guarantee periods, liquidity provisions, surrender charges, crediting strategies, and other contract features using approved materials and communications.
• Prepare and review product illustrations and other approved product information with prospective customers.
• Help consumers understand the steps associated with purchasing an annuity and provide guidance throughout the applicable Oceanview sales and application process.
• Deliver a responsive, professional, and educational experience that builds consumer confidence and trust in Oceanview.

Lead Management & Follow-Up

• Manage a pipeline of prospective customers at different stages of the decision-making and application process.
• Conduct proactive and thoughtful follow-up with consumers who have expressed interest but are not yet ready to complete a purchase.
• Nurture warm opportunities through appropriate ongoing communication until the consumer is ready to proceed or indicates they are no longer interested.
• Prioritize outreach based on consumer needs, level of interest, prior interactions, and available lead and activity information.
• Maintain disciplined follow-through on consumer questions, commitments, applications, and outstanding items.
• Work toward established consumer engagement, conversion, service, and other applicable performance objectives.

Application, Funding & Issuance Support

• Help consumers progress from product evaluation through application, funding, and policy issuance.
• Support consumers with applicable application and transaction processes and help identify information or documentation needed to move applications forward.
• Coordinate with Operations, New Business, Licensing, Compliance, and other internal partners to address application or transaction issues.
• Assist with transfers, rollovers, funding questions, and other applicable activities within the responsibilities and licensing authority of the position.
• Monitor outstanding cases and proactively follow up with consumers and internal partners to help facilitate timely completion.
• Clearly communicate status, outstanding requirements, and next steps throughout the process.

Direct & House-Account Policyholder Relationships

• Serve as a resource for Oceanview's direct and house-account policyholders.
• Respond to policyholder questions and coordinate with appropriate service teams when requests require additional operational support.
• Conduct appropriate periodic outreach to maintain relationships with direct policyholders.
• Support conversations related to renewals, maturity or guarantee-period considerations, and potential additional annuity needs using approved processes and communications.
• Identify opportunities to strengthen policyholder engagement and the overall direct customer experience.

Direct Digital Experience

• Provide licensed assistance to consumers who enter through Oceanview's Direct Digital experience and request or require additional support.
• Help consumers navigate more complex product questions or transaction needs that cannot be completed entirely through self-service capabilities.
• Identify recurring consumer questions, points of confusion, abandonment drivers, or process friction within the digital experience.
• Provide feedback to Marketing, Operations, Product, Technology, and other stakeholders to help improve the Direct Digital consumer journey.
• Support testing, implementation, and enhancement of new capabilities associated with Oceanview's direct business as appropriate.

CRM, Analytics & Consumer Insights

• Maintain complete, accurate, and timely records of consumer interactions, opportunities, follow-up activities, and outcomes within the applicable CRM.
• Use lead, activity, pipeline, and conversion information to prioritize outreach and manage consumer relationships effectively.
• Monitor personal activity and results and identify opportunities to improve engagement, follow-up, and conversion.
• Capture recurring consumer questions, objections, feedback, and other insights and share relevant themes with internal stakeholders.
• Contribute insights that may help improve product communications, marketing, digital experiences, operational processes, and consumer education.

Compliance & Professional Standards

• Maintain current knowledge of Oceanview products, rates, procedures, approved materials, and applicable requirements.
• Conduct all consumer interactions in accordance with applicable licensing, appointment, suitability and/or best-interest, privacy, security, recordkeeping, and other regulatory and Company requirements.
• Operate within the defined scope of the position and appropriately involve Compliance, Operations, or other resources when questions or circumstances require additional review.
• Use approved product information, illustrations, disclosures, and communications when interacting with consumers.
• Complete required training and maintain applicable licenses and appointments.
• Protect confidential consumer and Company information and maintain appropriate documentation of consumer interactions.

Qualifications

Required

• Active life insurance license with the ability and willingness to obtain and maintain applicable non-resident licenses and carrier appointments necessary to support Oceanview's direct business.
• Approximately 2-5 years of relevant experience in insurance, annuities, financial services, consumer sales, client service, or a related field.
• Experience interacting directly with consumers by telephone, email, digital channels, and/or other communication methods.
• Ability to explain financial or insurance concepts clearly to consumers with varying levels of knowledge and experience.
• Consultative sales approach with demonstrated ability to develop relationships, follow up effectively, and move opportunities forward without relying on high-pressure sales techniques.
• Strong customer-service orientation and commitment to responsiveness and follow-through.
• Ability to manage multiple prospects, policyholders, applications, and ongoing activities simultaneously.
• Comfort using CRM, illustration, communication, and other technology platforms and using available activity and performance information to prioritize work.
• Strong attention to detail and sound judgment with the ability to operate effectively within regulated processes.
• Self-directed, proactive, and adaptable, with the ability to operate effectively in a developing business where processes, technology, and capabilities will continue to evolve.

Preferred

• Experience with fixed annuities, Multi-Year Guaranteed Annuities (MYGAs), and/or Fixed Indexed Annuities (FIAs).
• Experience with an insurance carrier, independent marketing organization (IMO), annuity sales desk, direct-to-consumer insurance organization, bank/insurance center, or similar environment.
• Experience supporting annuity applications, transfers, rollovers, policy funding, renewals, or existing policyholder relationships.
• Experience using Salesforce or a comparable CRM and insurance E-application or illustration platforms.
• Experience working within suitability and/or best-interest requirements applicable to annuity transactions.
• Bachelor's degree preferred; equivalent relevant professional experience may be considered.

SKILLS FOR SUCCESS

• Consumer Communication: Ability to make complex annuity concepts understandable and approachable for consumers.
• Consultative Selling: Ability to understand consumer needs, educate effectively, and help qualified consumers progress through the decision-making process.
• Relationship Management: Ability to build trust through responsiveness, professionalism, and consistent follow-through.
• Product Knowledge: Ability to develop deep knowledge of Oceanview's annuity products and accurately communicate relevant features and considerations.
• Judgment & Compliance: Ability to recognize the boundaries of the role and operate effectively within applicable regulatory and Company requirements.
• Ownership: Ability to independently manage a pipeline of prospects and policyholders and maintain accountability for follow-up and outcomes.
• Organization & Attention to Detail: Ability to manage multiple interactions and transactions while maintaining accurate documentation.
• Digital Fluency: Comfort operating across CRM, illustration, E-application, communication, and emerging digital consumer platforms.
• Adaptability: Ability to contribute effectively as Oceanview's direct-to-consumer capabilities, processes, and technology continue to evolve.

CERTIFICATIONS, LICENSES, AND/OR REGISTRATIONS

• Active life insurance license required. If no active life insurance license, you must obtain within 6 months from start date if hired.
• Ability and willingness to obtain and maintain non-resident insurance licenses and carrier appointments in jurisdictions required to support Oceanview's direct business.
• Any additional licenses or registrations required based on the responsibilities of the position must be obtained and maintained in accordance with Company and regulatory requirements.

QUALIFICATIONS:

• Bachelor's Degree preferred.
• Experience in the Financial Services industry is a plus.
• A strong desire to be a contributor to the success of a team.
• Proficient in Microsoft Office Suite (Word, Excel, Outlook, Power Point), Internet and contact management systems (Salesforce).
• Ability to communicate clearly and concisely, both oral and written.
• Attention to detail to ensure the accuracy of reports, correspondence, and database.
• Ability to handle multiple projects and adapt to an ever-changing environment.

LOCATION & WORK ARRANGEMENT

• This position is based in Denver, CO.
• This role follows a hybrid work schedule requiring three days per week in the office.
• Additional in-office attendance or occasional travel may be required based on business needs.

COMPENSATION

The anticipated base salary range for this position is $100,000-$125,000, with eligibility for annual incentive compensation.

Actual compensation may vary based on experience, qualifications, market conditions, geographic location, and