Career Opportunities

Career Opportunities

New Business Specialist

Community minded organization seeks an outgoing, organized individual for the New Business and Underwriting departments.

Duties and Responsibilities of this position include:

  • Process applications and issue life and annuity contracts
  • Support Underwriting functions

Position requires excellent written and oral communication and computer skills. Applicant must be detail oriented, accurate, and reliable.  Life insurance imaging system workflow and IBM AS400/iSeries experience helpful.

Western Fraternal Life is a not-for-profit financial services organization that gives back to the communities where our member live and work.

Benefits include competitive pay, a 37.5 hour work week, and a benefits package that includes a 401(k) with generous company match, health insurance with optional vision and dental coverage.

If interested please send resume and cover letter to Melissa Clapp at mclapp@wflains.org or mail to Western Fraternal Life; Attn.: Melissa Clapp; 1900 First Ave. NE Cedar Rapids  IA  52402. 

EOE

Become an Agent for Western Fraternal Life

Western Fraternal Life is a fraternal with a long and proud heritage. Western is well-known for its strong and conservative financial statement.

Western is selected by agents, new and old, because of its size and personal attention. It hears you as an agent and you as a client, in both your wants and needs.

Using an agency format, Western provides management and training from your local office and the Home Office located in Cedar Rapids, Iowa. You can count on a listening ear and a responsible answer as an agent for Western Fraternal Life.

Western is currently seeking agents from CA, CO, IL, IA, KS, LA, MI, MN, NE, ND, OH, OK, OR, SD, TX, WA, and WI. 

Agent Perks & Benefits

  • Weekly pay
  • 12-month commission advance (if eligible)
  • Talk directly to our underwriter
  • Annual sales incentive trip
  • Excellent support and service from our Home Office staff

Excellent Products

Simplified Issue Whole Life Products (Up to $24,999 with minimal underwriting)

    • Traditional Whole Life
    • 10 & 20 Pay Whole Life
    • Single Premium Whole Life (Up to $15,000 with minimal underwriting)
    • Graded Death Benefit Whole Life

Participating* Whole Life Products ($25,000 and above)

    • Traditional Whole Life
    • 10 & 20 Pay Whole Life
    • Single Premium Whole Life
    • *Dividends are not contractually guaranteed

Non- Participating Whole Life Product

 

    • Life Protector

Term Life

    • 10, 20, and 30-year guaranteed level term (low minimum face amount of $50,000)

Fixed Annuities

    • We offer a variety of fixed annuities to meet the needs of your clients.

What Makes Western Unique?

Benefits to our members - value added to our products:

  • Scholarships
  • Member discount program
  • Matching funds for community projects
  • Financial assistance benefits
  • Volunteer opportunities
  • And more!

Who Will I Sell To?

      The first step in the marketing process is to identify market clusters with which you can interact on a favorable basis. A market cluster is a group of people who have something in common. Initially we will ask you to cast a wide net over numerous markets, friends, acquaintances, relatives, and business contacts. You will not be selling our products to all these people. However, they can help you contact people similar to themselves, giving you the opportunity to meet them on a favorable basis. We will teach you how to identify, understand, and penetrate specific markets. This process relies upon your ability to get referrals from people you know. You will learn about the marketing process in this program. We will teach you to identify potential markets. This will assure you a constant flow of quality prospects.

      As the number of clients you have increases, you will get a greater percentage of sales from your repeat business. Your clients will also help you by referring you to others.

What Will I Sell?

      Agents sell products and services that aim at helping people secure their financial futures. You will learn how to assist people in identifying their financial security needs and will develop solutions to those needs based on our products and services. Western Fraternal Life products are designed to help create, accumulate and protect our client's assets.

      Life Insurance is an effective planning tool for creating and accumulating assets. No other financial product provides the security that, in the event of death, an agreed upon amount of money will be created to meet the needs of the individual or family. The savings element of the life insurance product also is an effective way to accumulate assets of wealth. Current tax laws make it one of the few ways to accumulate savings tax-free. Under the Waiver of Premium option, if the client should become disabled, Western will, in effect, make the premium payments for him/her. That means the accumulation of funds will continue uninterrupted even if the client does not pay any more money into the plan.

      Annuities are extremely effective planning tools for accumulating assets and wealth. They permit people to accumulate money with interest on a tax-deferred basis. That means that the money that would have been taxed now works to earn more money for them. Today, as life expectancy continues to increase, people are becoming more concerned about outliving the money they have saved for retirement. With an annuity, the monthly income can be guaranteed for as long as the person lives.

How Will I Learn To Sell?

      Effective sales people are developed, they are not born. Western uses an organized sales process based on the psychology of the sale that is easy to learn and effective for most prospects. The sales system is called Financial Needs Analysis II (FNA II). FNA II provides an approach for you to use in the interview to help gather all the information that you will need, while allowing the prospect to discover his/her financial needs. It provides supporting material that helps you gain and maintain credibility in the eyes of the prospect. Because it is a well-organized approach, the interview with the prospect will be time well-spent.

Apply

Send your resume to Assistant Sales & Marketing Manager Rudy Pino at info@wflains.org. For inquiries about the position, call Rudy at 877-935-2467 ext. 112.

Western Fraternal Life is licensed in CA, CO, IL, IA, KS, LA, MI, MN, NE, ND, OH, OK, OR, SD, TX, WA, and WI.