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External Life Insurance Wholesaler Jobs (NOW HIRING)

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External Life Insurance Wholesaler information

What is an external life insurance wholesaler?

An External Life Insurance Wholesaler is a professional who works for an insurance company or brokerage and is responsible for promoting and selling life insurance products to financial advisors, independent agents, and brokers. They typically operate in the field (outside the office), building relationships, providing product education, and supporting the sales process. Their main goal is to drive sales by helping advisors understand the benefits and features of various life insurance products, supporting them with marketing materials, and answering technical questions. External wholesalers are distinct from internal wholesalers, who usually work from the company’s office and offer support over the phone or online.

What skills and qualifications are needed to thrive as an external life insurance wholesaler?

To thrive as an External Life Insurance Wholesaler, you need in-depth knowledge of life insurance products, strong sales acumen, and typically a bachelor's degree or relevant industry certifications such as FINRA Series 6/63 or state insurance licenses. Familiarity with CRM software, financial planning tools, and sales tracking systems is commonly required. Exceptional interpersonal skills, persuasive communication, and the ability to build and maintain client relationships are crucial soft skills for success. These competencies are vital for effectively driving sales, managing a portfolio of advisors or clients, and meeting organizational targets in a competitive financial marketplace.

How does an external life insurance wholesaler typically collaborate with internal teams and financial advisors to drive sales?

An External Life Insurance Wholesaler works closely with internal sales support teams and marketing departments to develop effective sales strategies and materials. They also build strong relationships with financial advisors and brokers, providing product expertise, training, and guidance to help them best serve their clients. Frequent travel and regular communication are essential, as wholesalers often conduct in-person meetings, webinars, and presentations to educate and motivate advisors. This collaborative approach ensures that everyone is aligned and equipped to achieve sales targets and deliver optimal solutions to end clients.

What is the difference between External Life Insurance Wholesaler vs External Life Insurance Agent?

AspectExternal Life Insurance WholesalerExternal Life Insurance Agent
CredentialsTypically requires insurance licenses and industry certificationsRequires insurance licenses and state-specific certifications
Work EnvironmentWorks with brokers and agencies, often remotely or in officesWorks directly with clients or through agencies, often in the field
Employer & Industry UsageEmployed by insurance carriers or wholesalers, focusing on product distributionEmployed by agencies or independently, focusing on client sales
Search & Comparison IntentUnderstanding roles in product distribution and wholesalingUnderstanding direct sales and client interaction

The main difference is that External Life Insurance Wholesalers focus on supporting brokers and agencies by providing products and expertise, while External Life Insurance Agents work directly with clients to sell policies. Both roles require licensing and industry knowledge, but their work environments and interactions differ significantly.

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What states have the most External Life Insurance Wholesaler jobs?

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For External Life Insurance Wholesaler jobs, the most frequently searched job titles are:

Infographic showing various External Life Insurance Wholesaler job openings in the United States as of September 2026, with employment types broken down into 1% As Needed, 79% Full Time, 15% Part Time, and 5% Contract. Highlights an 90% Physical, 2% Hybrid, and 8% Remote job distribution.

External Wholesaler - Retirement

Houston, TX

Lincoln Financial
Finance and Insurance • 5 - 10K employees

$190K - $480K/yr

Full-time

Medical, Retirement, PTO

Re-posted 21 days ago


Lincoln Financial rating

7.4

Company rating: 7.4 out of 10

Based on 73 frontline employees who took The Breakroom Quiz


Job description

Alternate Locations: Houston, TX (Texas)

 Work Arrangement:

Remote : Work at home employee residing outside of a commutable distance to an office location.

Relocation assistance:  is not available for this opportunity.

Requisition #: 76318

The Role at a Glance

As an External wholesaler for Retirement Plan Services you will develop, direct, implement, and maintain a business plan to achieve sales and growth goals for your assigned external wholesale area(s) of responsibility. You will build, enhance, and direct the relationship with firms and/or institutions in your assigned territory of southern Texas. You will also build, direct, and maintain external wholesale sales programs/plans which result in an increase in sales revenue and market share within the assigned territory.

What you'll be doing
  • Builds and directs a more complex relationship platform by identifying senior contacts within targeted firms to achieve profitable sales and Lincoln's product breath growth.
  • Collaborates with internal stakeholders to ensure the proper processing of all sold products from time of sale to issuance.
  • Conducts firm/institution meetings and in-person meetings to achieve sales targets. (e.g. due diligence meetings, one-on-one meetings, sponsorship and speaking opportunities).
  • Develops a comprehensive understanding of existing/targeted firms/institutions including targeted market segments, how they operate, and/or value proposition(s) and is known by them.
  • Develops and maintains a more complex sales program to increase sales revenue and market share within assigned area of responsibility.
  • Increases penetration in territory of by optimizing and growing relationships within existing more complex firms/institutions.
  • Maintains sales call data in appropriate systems and/or complete sales reports.
  • Meets or exceeds all department and/or sales goals/targets for their assigned territory.
  • Utilizes expense budgets to set limits and maximize sales opportunities within their assigned territory.
  • Works effectively to support growth in all segments of Lincoln's products/service offerings to maximize and capitalize on the opportunities to cross sell and penetrate assigned firms/institutions.
  • Adhere to LFDs Culture of Compliance. Comply with LFDs policies and procedures
What we’re looking for

Must-Haves

  • 3-5 years’ external sales experience in the financial services industry that directly aligns with the specific responsibilities 
  • FINRA Series SIE, 6, 63, L&H
  • Bachelor's degree or equivalent work experience 
  • Must reside in sales territory
  • Analytical skills and close attention to detail is necessary to determine proper processing of investment documents
  • Effective verbal and written communication skills
  • Skill in writing grammatically correct routine business correspondence such as brief transmittal memoranda
  • Ability to adapt quickly in a changing work environment
Application Deadline

What’s it like to work here?

At Lincoln Financial, we love what we do. We make meaningful contributions each and every day to empower our customers to take charge of their lives. Working alongside dedicated and talented colleagues, we build fulfilling careers and stronger communities through a company that values our unique perspectives, insights and contributions and invests in programs that empower each of us to take charge of our own future. 

What’s in it for you:

  • Clearly defined career tracks and job levels, along with associated behaviors for each of Lincoln's core values and leadership attributes

  • Leadership development and virtual training opportunities

  • PTO/parental leave

  • Competitive 401K and employee benefits

  • Free financial counseling, health coaching and employee assistance program

  • Tuition assistance program

  • Work arrangements that work for you

  • Effective productivity/technology tools and training

The pay range for this position is $190,000 - $480,000 with anticipated pay for new hires between the minimum and midpoint of the range and could vary above and below the listed range as permitted by applicable law. Pay is based on non-discriminatory factors including but not limited to work experience, education, location, licensure requirements, proficiency and qualifications required for the role. The base pay is just one component of Lincoln’s total rewards package for employees.  In addition, the role may be eligible for the Annual Incentive Program, which is discretionary and based on the performance of the company, business unit and individual.  Other rewards may include long-term incentives, sales incentives and Lincoln’s standard benefits package.

About The Company

Lincoln Financial (NYSE: LNC) helps people to confidently plan for their version of a successful future. We focus on identifying a clear path to financial security, with products including annuities, life insurance, group protection, and retirement plan services. 

With our 120-year track record of expertise and integrity, millions of customers trust our solutions and service to help put their goals in reach. 

Lincoln Financial Distributors, a broker-dealer, is the wholesale distribution organization of Lincoln Financial. Lincoln Financial is the marketing name for Lincoln Financial Corporation and its affiliates including The Lincoln National Life Insurance Company, Fort Wayne, IN, and Lincoln Life & Annuity Company of New York, Syracuse, NY. Lincoln Financial affiliates, their distributors, and their respective employees, representatives and/or insurance agents do not provide tax, accounting or legal advice. 

Lincoln is committed to creating an inclusive environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. 

Follow us on Facebook, X, LinkedIn, Instagram, and YouTube. For the latest company news, visit our newsroom. 

Be Aware of Fraudulent Recruiting Activities

If you are interested in a career at Lincoln, we encourage you to review our current openings and apply on our website. Lincoln values the privacy and security of every applicant and urges all applicants to diligently protect their sensitive personal information from scams targeting job seekers. These scams can take many forms including fake employment applications, bogus interviews and falsified offer letters.

Lincoln will not ask applicants to provide their social security numbers, date of birth, bank account information or other sensitive information in job applications. Additionally, our recruiters do not communicate with applicants through free e-mail accounts (Gmail, Yahoo, Hotmail) or conduct interviews utilizing video chat rooms. We will never ask applicants to provide payment during the hiring process or extend an offer without conducting a phone, live video or in-person interview.  Please contact Lincoln's fraud team at fraudhotline@lfg.com if you encounter a recruiter or see a job opportunity that seems suspicious.

Additional Information

This position may be subject to Lincoln’s Political Contribution Policy.  An offer of employment may be contingent upon disclosing to Lincoln the details of certain political contributions. Lincoln may decline to extend an offer or terminate employment for this role if it determines political contributions made could have an adverse impact on Lincoln’s current or future business interests, misrepresentations were made, or for failure to fully disclose applicable political contributions and or fundraising activities.

Any unsolicited resumes or candidate profiles submitted through our web site or to personal e-mail accounts of employees of Lincoln Financial are considered property of Lincoln Financial and are not subject to payment of agency fees.

Lincoln Financial ("Lincoln" or "the Company") is an Equal Opportunity employer and, as such, is committed in policy and practice to recruit, hire, compensate, train and promote, in all job classifications, without regard to race, color, religion, sex, age, national origin or disability. Opportunities throughout Lincoln are available to employees and applicants are evaluated on the basis of job qualifications. If you are a person with a disability that impedes your ability to express your interest for a position through our online application process, or require TTY/TDD assistance, contact us by calling (866) 922-6543.

This Employer Participates in E-Verify. See the E-Verify notices.

Este Empleador Participa en E-Verify. Ver el E-Verify avisos. 


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About Lincoln Financial

Sourced by ZipRecruiter

Lincoln Financial Group, a Fortune 200 company with over 10,000 employees, provides advice and solutions that help empower Americans to take charge of their financial lives with confidence. Our core business areas - Life Insurance, Annuities, Retirement Plan Services and Group Protection - focus on supporting, preserving and enhancing over 17 million customer's lifestyles and retirement outcomes. Headquartered in Radnor, Pennsylvania, Lincoln Financial Group is the marketing name for Lincoln National Corporation (NYSE: LNC) and its affiliates. The company had $324 billion in end-of-period account values as of June 30, 2021. Ranked one of the Best Large Employers in America and Best Employers for Women by Forbes magazine as well as one of Newsweek's Most Responsible Companies, Lincoln Financial Group makes a serious investment in our employees' futures through a broad range of wealth accumulation and protection plans, health and wellness programs, and career development resources designed to help each individual reach their personal and professional goals.

Industry

Finance and insurance

Company size

5,001 - 10,000 Employees

Headquarters location

Radnor, PA, US

Year founded

1905