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1099 Independent Insurance Agent Jobs (NOW HIRING)

HealthMarkets, Inc.

Insurance Agent

New Britain, CT

Becoming an independent insurance agent with HealthMarkets is an opportunity unlike any other. HealthMarkets offers agents the resources and support they need to grow their businesses and succeed in ...

HealthMarkets, Inc.

Insurance Agent

Ogden, UT

Becoming an independent insurance agent with HealthMarkets is an opportunity unlike any other. HealthMarkets offers agents the resources and support they need to grow their businesses and succeed in ...

HealthMarkets, Inc.

Becoming an independent insurance agent with HealthMarkets is an opportunity unlike any other. HealthMarkets offers agents the resources and support they need to grow their businesses and succeed in ...

HealthMarkets, Inc.

Insurance Agent

Sarasota, FL

Becoming an independent insurance agent with HealthMarkets is an opportunity unlike any other. HealthMarkets offers agents the resources and support they need to grow their businesses and succeed in ...

HealthMarkets, Inc.

Insurance Agent

Elgin, IL

Becoming an independent insurance agent with HealthMarkets is an opportunity unlike any other. HealthMarkets offers agents the resources and support they need to grow their businesses and succeed in ...

HealthMarkets, Inc.

Insurance Agent

Harrisburg, PA

Becoming an independent insurance agent with HealthMarkets is an opportunity unlike any other. HealthMarkets offers agents the resources and support they need to grow their businesses and succeed in ...

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All Jobs1099 Independent Insurance Agent Jobs

1099 Independent Insurance Agent information

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$25K

$65K

$121.5K

How much do 1099 independent insurance agent jobs pay per year?

As of Aug 1, 2026, the average yearly pay for 1099 independent insurance agent in the United States is $65,022.00, according to ZipRecruiter salary data. Most workers in this role earn between $44,500.00 and $77,000.00 per year, depending on experience, location, and employer.

Do independent insurance agents make good money?

Independent insurance agents can earn a wide range of income depending on their sales performance, commission rates, and client base. Typically, they earn commissions on policies sold, which can result in variable income levels, with successful agents earning a substantial income through high sales volume and client retention. Income potential often increases with experience, networking skills, and product knowledge.

Why do so many insurance agents quit?

Many insurance agents quit due to the challenging nature of the sales process, inconsistent income, and high competition. The job often requires strong communication skills, self-motivation, and the ability to build client relationships, which can be demanding over time.

What are the key skills and qualifications needed to thrive as a 1099 Independent Insurance Agent, and why are they important?

To thrive as a 1099 Independent Insurance Agent, you need a solid understanding of insurance products, sales techniques, and a valid state insurance license. Familiarity with client management software (CRM), quoting tools, and online policy platforms is essential for efficiently managing client portfolios. Exceptional interpersonal skills, self-motivation, and strong organizational abilities help agents build trust and grow their client base. These skills ensure agents can operate independently, effectively serve clients, and achieve sustained business growth in a competitive market.

What is a 1099 Independent Insurance Agent?

A 1099 Independent Insurance Agent is a self-employed professional who sells insurance products on behalf of one or more insurance companies. Rather than being a direct employee, they work as independent contractors and are responsible for their own business expenses, taxes, and client acquisition. These agents typically have the flexibility to set their own schedules and choose which insurance products to offer. They earn commissions based on the policies they sell and are issued a 1099 tax form for their earnings instead of a W-2. This arrangement allows for greater autonomy but also requires agents to manage their own business operations.

What's the hardest insurance to sell?

For a 1099 independent insurance agent, selling specialized or high-risk insurance policies such as long-term care or certain commercial coverages can be more challenging due to customer skepticism, complex underwriting, and the need for strong sales skills. Building trust and understanding client needs are essential to successfully sell these types of insurance products.

What is a 1099 insurance agent?

A 1099 insurance agent is an independent contractor who sells insurance policies and receives income reported on a 1099 form. They typically work on commission, set their own schedules, and are responsible for their own taxes and expenses. This role often requires licensing and knowledge of insurance products and sales techniques.

What are some common challenges faced by 1099 Independent Insurance Agents, and how can they be addressed?

As a 1099 Independent Insurance Agent, you may encounter challenges such as building a client base from scratch, managing inconsistent income, and staying compliant with regulatory requirements. Proactively networking, leveraging digital marketing, and seeking mentorship can help you grow your client list. To manage fluctuating commissions, it's important to budget carefully and diversify your product offerings. Staying updated on licensing and continuing education ensures you remain compliant and competitive in the industry.

What is the difference between 1099 Independent Insurance Agent vs 1099 Insurance Broker?

Aspect1099 Independent Insurance Agent1099 Insurance Broker
CredentialsLicenses required in specific states, insurance licensesSame as agents, often holds multiple licenses
Work EnvironmentWorks independently, often with multiple insurance companiesActs as an intermediary, representing multiple insurers
Employer & Industry UsageIndependent contractor, sells policies directly to clientsIndependent contractor, facilitates policies from various insurers

Both roles are independent contractors in the insurance industry, requiring similar licenses and working independently. The main difference is that insurance agents typically sell policies for specific companies, while brokers represent clients and offer policies from multiple insurers. Understanding these distinctions helps in choosing the right career path or job opportunity.

More about 1099 Independent Insurance Agent jobs
What cities are hiring for 1099 Independent Insurance Agent jobs? Cities with the most 1099 Independent Insurance Agent job openings:
What states have the most 1099 Independent Insurance Agent jobs? States with the most job openings for 1099 Independent Insurance Agent jobs include:
What job categories do people searching 1099 Independent Insurance Agent jobs look for? The top searched job categories for 1099 Independent Insurance Agent jobs are:
1099 Independent Insurance Agent jobs near you
Infographic showing various 1099 Independent Insurance Agent job openings in the United States as of July 2026, with employment types broken down into 73% Full Time, 7% Part Time, and 20% Contract. Highlights an 90% Physical, 1% Hybrid, and 9% Remote job distribution, with an average salary of $65,022 per year, or $31.3 per hour.

Independent Insurance Agents

NOVO HOPE LLC

North Versailles, PA • On-site

Contractor

Re-posted 8 days ago

Job description

Now Hiring: Experienced Insurance Agent | Join Our Independent Insurance Agency

Are you a licensed insurance agent with a book of business ready to grow? Our independent insurance agency is expanding, and we're looking for a motivated, entrepreneurial-minded professional to join our team!

Position: Insurance Agent (Independent)
Location: North Versailles, PA
Job Type: 1099 Independent Contractor

What We’re Looking For:

  • A licensed insurance agent (Property & Casualty and/or Life & Health)
  • A book of business you’re ready to bring and grow
  • Proven experience in selling personal and/or commercial lines insurance
  • Excellent communication and customer service skills
  • Driven, ethical, and self-motivated

What We Offer:

  • High commission splits & performance incentives
  • Access to multiple top-rated insurance carriers
  • Back-office support and agency tools (CRM, quoting systems, etc.)
  • Independence with support—you run your business, we provide the platform
  • Collaborative, team-focused environment

Company Description

Independent Insurance Agent

Be a part of a team that's growing together! Our Insurance Agency is seeking Independent Insurance Agents to join a growing, values-driven team serving clients across Pennsylvania, Ohio, and Maryland.

Our Mission is to specialize in protecting families, their assets, and their businesses. This role is ideal for professionals who thrive on building trusted relationships, providing thoughtful guidance, and helping individuals and businesses protect what matters most.

What You’ll Do

· Advise clients on personal, business, life, health, auto, travel, renters, and group insurance solutions

· Build and manage long-term client relationships

· Assess client needs and recommend tailored coverage options

· Collaborate with internal partners and carriers

· Maintain compliance with state licensing and regulatory requirements

· Grow your book of business ethically and sustainably

Who Thrives in This Role

· Relationship-first advisors

· Entrepreneurial professionals who value collaboration

· Strong communicators with integrity-driven sales practices

· Organized professionals comfortable managing autonomy in a remote environment

What We Offer

· Independent Agent model with support

· Access to a broad portfolio of insurance products

· Collaborative team culture

· Ongoing professional development, including training to take your state exam- offered at discount

· Flexibility to serve clients across multiple states

Qualifications

· Active insurance license (or willingness to obtain or to be trained)

· Experience in insurance, financial services, sales, or advisory roles preferred

· Excellent communication skills, both verbal and written

· Comfort working independently with accountability

· Commitment to ethical, client-centered service to work end-to-end with clients on the full process

· Ability to take initiative and a willingness to learn