Frequently Asked Questions

What is the difference between Globe Life, Globe Life Family Heritage Division; The Wilhoite Agency?

Globe Life is an insurance company and also a holding company that owns several different insurance companies. The Family Heritage Division (FHD) is one of several insurance companies that they own and specializes in supplemental health and life insurance. The Wilhoite Agency (TWA) is an independent yet captive agency for FHD.

What are the Positions? What Will I be Doing? What is the Job Description?

We are looking for both agents and future managers. The job description is below:

  • Selling insurance and Protecting families by matching a product and service to their needs.
  • Providing outstanding Customer Service by promptly responding to the needs of our clients, explaining the product and answering all client’s questions and concerns.
  • Helping clients during their biggest time of need by helping them with the claim’s process.
  • Attending and participating in all company training activities such as meetings and conference calls.

*When a person moves into management, this duty changes to more of leading, preparing and participating in all company training activities along with training, recruiting new candidates and helping with overall personal and company growth. In addition, our managers help with training, managing and leading both new and veteran agents.

I’ve Never Been in Sales Before, Can I Really Make A Good Income?

Absolutely! Some of our top income earners come from a completely unrelated field. We often see this as an advantage since we train you from the ground up. Some of the top six figure income earners each year with FHD are people in their first year with the company and 1 in 8 full-time career agents earn a six-figure income!

Your income will be the direct reflection of two things: 1. Your work effort. 2 Your ability to apply the TWA system. If you have confidence in those two things both TWA and FHD will provide you the opportunity and support to reach your income goals.

Do I Have to Have Sales or Insurance Experience? Do I have to Sell? Is Selling Insurance Hard?

No, you do not need experience and yes this is a sales position. Selling insurance is challenging and the characteristics that define success in this business and any type of sales is the willingness to work hard, study hard, be coachable/teachable, be a self-starter and to be self-disciplined. In addition, we offer a great training program for our Sales Professionals!

Is it Commission Only?  Is There a Sales Quota?

No, it is not just commission. The great thing about TWA is that we offer 2 different compensation options: Base Pay with Commission Sharing and Bonuses OR Advanced Commission and Bonuses. There is no weekly quota on the Advanced Commission but there is a very achievable weekly quota on Base Pay.

How Much Will I Be Paid?

In our business, our Sales Professionals control this! Put simply, the more results you get, the more you will get paid!

When Do I Get My First Paycheck?

We pay every week based on successfully processed business. Your first paycheck could be as fast as the first sales week with Advanced Commission or the 2nd week with Base Pay. The simple policy underwriting allows us to pay so quickly.

Do You Offer Paid Benefits? Do You Offer Health Insurance?

TWA and FHD offer many incentives, bonuses and trips. For example, our Monthly Health Benefit Allowance Bonus is designed to offset the cost of health insurance for our agents.

What Does It Mean to Be Fully Vested with FHD?

FHD vesting in your personal and team renewals is as follows: 50% at 2 years, 60% at 3 years, 70% at 4 years and 100% at 5 years. If you were to leave FHD after those time periods, you will continue to receive your commissions. Should something happen to you, your vested commission will go to whomever you designate.

Vesting could occur earlier on the renewals due to permanent disability, age 65 or death.

How Will I Market the Products? Are Leads Offered? Will I have to cold call?

Yes, we offer leads and yes, an agent will have to cold call. We also market our products to reach the whole market: Business-to-Business (IE Small & Large Companies, State & Local Governments, School System, Etc.) & Consumer-to-Consumer (IE Referrals, Leads, Etc.). Our goal to sit down with 30 decision makers each week. We have found the personal touch works best. Meeting people face-to-face is simple, challenging and more enjoyable for those that work well with people.

Although we may be a little old-fashioned, we understand that long-term success in sales is built on trust. Nothing builds trust with clients better than personal contact with a sincere, confident, well-connected Sales Professional.

Where will I Be working? Can I work from home?

Our agents generally work out of their homes and we generally don’t expect them to travel more than an hour from home (about a 2-3 county radius). While territories are open, TWA works closely with the rest of the team to avoid any overlap; however, you may write business wherever you are licensed.

How Much Travel Is Involved?

This is a local career. Most of your time will be spent working in your territory. As part of the training process, TWA and FHD offers several training weeks and days per year where you have the chance to work with and learn from some of the best in both TWA and FHD. There is also travel to convention destinations that are made available to you and your family. These are destination like New York City, Miami, Cancun, San Diego, Denver, etc.

Where Is the Office? How Often Do I Have to Go to It?

Our office is located in Lawrenceburg, KY; however, this is a local career and most of our Sales Professionals work within a 2-3 county radius of where they live. They DO NOT have to drive to our office on a daily basis. We also plan to open other locations in the future.

What Kind of Hours Will I Work?

First, you must realize this is a full-time career opportunity. To be successful, a Sales Professional should commit to between 40 and 50 hours a week in the field. This is especially important during the first 3 months.

When Do I Have to Work?

Our Sales Professionals do not work set hours and choose which hours they wish to work.  The business, government and school market tend to be more of a daytime market. The residential market is geared more toward the evening. We will help customize a plan for you depending on your skills and goals.

When Can I Get into Management?

We are a company where people with leadership qualities thrive. There is no required time limit before you can be leading and managing people. While our Sales Professional make a very lucrative income, training and managing people adds significantly to your income opportunity.

The first level of management is called a Field Director and as a person starts to train, he or she is pretty much promoted. The 2nd level is called a Market Director, the 3rd level is called a Regional Director and the 4th level is called an Agency Owner. Once a person is promoted to an Agency Owner, he or she can choose to break off from TWA and form his or her own agency! We DO NOT hold our people back! In addition, we also do have other forms of management called Senior Leaders.

Do I Have to Get an Insurance License? How much does it cost? How long does it take to get an insurance license?

Yes, a person has to be licensed in ordered to solicit insurance. Every state has their own licensing requirements and fees. If you are selected for a position, we will walk you through the licensing process. The initial licensing costs are your responsibility and the average cost is about $200.00; however, both FHD and TWA offer incentives where you can be refunded these costs. This means you could get YOUR LICENSE for free! It also takes most of our agents about 2 to 3 weeks to obtain the required health license. This really depends on how quickly a person completes the requirements and how fast the state processes the paperwork.

How Will I Be Trained?

After you are licensed, FHD will provide intensive classroom training called Sales Academy (SA) to teach you about your new career and how to present the products. SA is conducted online and generally runs from Monday to Wednesday. Following SA, you will have an hour or so of orientation that is designed to get a person started and organized. The following week, you will have sales training with a trainer or manager. In addition, training is an ongoing process at TWA. We truly have made training a cornerstone of our company and we are committed to providing the best sales and management training to ensure your success. We don’t just throw you out there. In addition, all of our training is offered in person, virtual or a combination of both. We also offer as much as you want or as little as you want.

What Expenses Do I Have?

The company provides all sales marketing materials at no cost (brochures, applications, forms, etc.). There are also no costs for an office, computer or start-up fee. There are also no costs for any training. You are responsible for the initial license costs (that you could be refunded for), providing reliable transportation, a tablet and any minimal home office expenses. If you do not have a tablet, TWA will help you get one.

What Are the Requirements?

A person has to be 18 years of age or older (state licensing requirement) and be willing to work hard, study hard, be coachable/teachable, be a self-starter, be self-disciplined, be honest, be trustworthy and want to help people.