The Opportunity
As an External Wholesaler focused on Life Insurance, you will independently manage your territory, build deep distributor and advisor relationships, and deliver protection solutions that support the long‑term financial security of clients. This role blends consultative selling, strategic territory management, and relationship leadership. You will partner closely with independent insurance advisors, BGAs, IMOs, and national broker/dealers, positioning MassMutual’s Life Insurance solutions as a core component of holistic financial planning.
The Team
We’re growing, and our distributors and advisors expect expertise, responsiveness, and results. We are building a dynamic team of external wholesalers who can expand market presence, deepen penetration, and drive consistent, quality Life Insurance production across third‑party channels.
The Impact
In this role, you will be accountable for territory performance including production results, penetration rates, and product mix, while serving as a trusted partner to distributors and financial professionals. Through a consultative selling mindset, you will assess advisor and client needs, deliver persuasive presentations, navigate negotiations, and solve problems in ways that create lasting value. You will represent the organization with a strong professional presence, demonstrating clear, confident verbal and written communication across a variety of audiences. Internally and externally, you will operate with a high level of operational effectiveness, collaborating seamlessly with partners, managing priorities efficiently, and contributing to a team‑oriented culture that drives results.
You are someone who:
Thrives in a relationship‑driven, performance‑focused sales environment
Brings discipline, accountability, and follow‑through to territory management
Uses data, insights, and activity management to drive sustainable growth
Puts advisors and distributors at the center of every interaction
Key responsibilities include, but are not limited to:
Independently manage assigned territory and distributor relationships to drive Life Insurance production
Maintain proactive, consultative sales relationships with financial professionals through ongoing profiling, relationship development, and continuous refinement of the advisor base
Execute defined activity expectations to maximize growth opportunities within assigned accounts and territory
Deliver sales ideas, product positioning, and Life Insurance education to financial professionals
Monitor territory performance to ensure alignment with overall company objectives
Provide weekly updates to sales management on activity, pipeline, and results
Coordinate effectively with internal teams including underwriting, operations, and relationship management
Effectively manage travel and expense budgets
Other duties as assigned
The Minimum Qualifications
High School Diploma
5+ years of experience in insurance wholesale distribution
Active State Life & Health license
FINRA Series 6 or 7 and 63 required at time of application
Must reside in the following states (South East): South Carolina, Mississippi, Georgia, Florida, Alabama
Travel required, estimated up to 75%
The Ideal Qualifications
Bachelor’s degree
5+ years of Life Insurance wholesale distribution experience
Proven track record of developing sales results within an assigned territory
Experience working across multiple third‑party distribution channels (BGAs, IMOs, national broker/dealers) strongly preferred
Strong presentation, negotiation, and communication skills
Ability to work independently, manage competing priorities, and execute with consistency
Compensation
$65,000–$100,000 base salary, plus sales‑based compensation, resulting in a total target compensation range of $200,000–$400,000.
What to Expect as Part of MassMutual and the Team
Regular meetings with the Life/DI National Sales Team
Focused one-on-one meetings with your manager
Networking opportunities including access to Asian, Hispanic/Latinx, African American, women, LGBTQIA+, veteran and disability-focused Business Resource Groups
Access to learning content on Degreed and other informational platforms
Your ethics and integrity will be valued by a company with a strong and stable ethical business with industry leading pay and benefits
#LI-SB1
Why Join Us.
We’ve been around since 1851. During our history, we’ve learned a few things about making sure our customers are our top priority. In order to meet and exceed their expectations, we must have the best people providing the best thinking, products and services. To accomplish this, we celebrate an inclusive, vibrant and diverse culture that encourages growth, openness and opportunities for everyone. A career with MassMutual means you will be part of a strong, stable and ethical business with industry leading pay and benefits. And your voice will always be heard.
We help people secure their future and protect the ones they love. As a company owned by our policyowners, we are defined by mutuality and our vision to put customers first. It’s more than our company structure – it’s our way of life. We are a company of people protecting people. Our company exists because people are willing to share risk and resources, and rely on each other when it counts. At MassMutual, we Live Mutual.
MassMutual is an Equal Employment Opportunity employer. We welcome all persons to apply.
If you need an accommodation to complete the application process, please contact us and share the specifics of the assistance you need.
At MassMutual, we focus on ensuring fair, equitable pay by providing competitive salaries, along with incentive and bonus opportunities for all employees. Your total compensation package includes either a bonus target or in a sales-focused role a Variable Incentive Compensation component. For more information about our extensive benefits offerings please check out our Total Rewards at a Glance.