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1099 Insurance Agent Jobs (NOW HIRING)

Summit Choice Insurance Agency

Be Seen First

Insurance Agent

Boca Raton, FL · On-site

$80K - $120K/yr

Experienced Licensed Medicare Sales Agent Summit Choice Insurance Agency | Boca Raton, FL Sign-On ... Daily Rate + Commission * 1099 Independent Contractor Competitive compensation based on experience ...

UpTalent Consulting

Insurance Agent

Hendersonville, NC · Remote

Develop and maintain relationships with clients to understand their insurance needs. * Analyze ... Avg Income $153.57k This is a Independent Agent, 1099 opportunity. This position is based out of ...

HealthMarkets Insurance Agency

Insurance Agent

Madison, WI · On-site

$50K - $120K/yr

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

HealthMarkets Insurance Agency

Insurance Agent

Norwich, CT · On-site

$50K - $120K/yr

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

HealthMarkets Insurance Agency

Insurance Agent

Bangor, ME · On-site

$50K - $120K/yr

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

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1099 Insurance Agent information

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$25K

$65K

$121.5K

How much do 1099 insurance agent jobs pay per year?

As of Aug 18, 2026, the average yearly pay for 1099 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.

What is a 1099 insurance agent?

A 1099 Insurance Agent is an independent contractor who sells insurance policies on behalf of an insurance company but is not considered an employee. Instead of receiving a salary, they earn commissions based on the policies they sell. They have the flexibility to set their own schedule, choose the products they sell, and often work with multiple carriers. However, they are responsible for their own expenses, taxes, and benefits. This role is ideal for self-motivated individuals who enjoy sales and building client relationships.

What skills and qualifications are needed to be a 1099 insurance agent?

To thrive as a 1099 Insurance Agent, you need strong sales acumen, deep knowledge of insurance products, and often a state insurance license. Familiarity with customer relationship management (CRM) software, quoting tools, and lead generation platforms is typically required. Exceptional self-motivation, communication, and relationship-building skills help you excel in this independent, client-focused role. These competencies are critical because 1099 agents operate as independent contractors, driving their own success through effective client acquisition and management.

What are the typical work arrangements and earning potential for a 1099 insurance agent?

As a 1099 Insurance Agent, you work as an independent contractor rather than a traditional employee, which gives you flexibility to set your own schedule and manage your workload. Compensation is usually commission-based, meaning your earnings are directly tied to the number and types of policies you sell. This can offer high earning potential for driven agents, but also means income can fluctuate depending on sales performance and market conditions. Many agents build long-term client relationships that help generate repeat business and referrals, contributing to sustained growth in their portfolios. Success in this role often depends on proactive lead generation, consistent follow-up, and developing expertise in your chosen insurance markets.

How much do 1099 insurance agents make?

1099 insurance agents typically earn commissions based on the policies they sell, with earnings varying widely depending on experience, sales volume, and the insurance products offered. On average, they can make from $30,000 to over $100,000 annually, with top performers earning significantly more through renewals and high-value policies. Income is often commission-based, requiring strong sales skills and client management.

Is selling insurance a 1099 insurance agent job?

Yes, selling insurance as a 1099 insurance agent typically means working as an independent contractor rather than an employee. This status often involves managing your own schedule, handling your taxes, and using sales skills to acquire clients. Many insurance agents operate under 1099 arrangements, especially in commission-based roles.

Why do so many 1099 insurance agents quit?

Many 1099 insurance agents quit due to the high variability in income, as they rely on commissions rather than a fixed salary. Additionally, the job often requires self-motivation, ongoing lead generation, and handling rejection, which can lead to burnout and turnover.
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What cities are hiring for 1099 Insurance Agent jobs?

Cities with the most 1099 Insurance Agent job openings:

What are the most commonly searched types of 1099 Insurance Agent jobs?

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What states have the most 1099 Insurance Agent jobs?

States with the most job openings for 1099 Insurance Agent jobs include:

What job categories do people searching 1099 Insurance Agent jobs look for?

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1099 Insurance Agent jobs near you
Infographic showing various 1099 Insurance Agent job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 73% Full Time, 21% Part Time, and 5% Contract. Highlights an 89% Physical, 1% Hybrid, and 10% Remote job distribution, with an average salary of $65,022 per year, or $31.3 per hour.

Independent Life Insurance Agent

Team Nexa Insurance Solutions

Waco, TX • On-site

$55K - $275K/yr

Contractor

Re-posted 8 days ago

Job description

Life Insurance Agent – Independent (1099) Opportunity
Many life insurance professionals enter the industry without a clear understanding of what it means to operate as an independent agent.
 
This opportunity is designed for licensed life insurance agents who want to build their own business as independent contractors (1099) — not as employees.
About the Role
Independent agents operate their own businesses. This means:

You control your schedule and production

You own your book of business

You choose how you market and generate leads

Earnings are commission-based, consistent with a 1099 model

Agencies that provide paid leads often do so in exchange for significantly reduced commission levels. Our model focuses on helping agents earn full commissions by building sustainable, long-term businesses.
What We Provide

Ongoing professional training and coaching

Access to multiple competitive life insurance carriers and products

Best Commissions, Contracting, Underwriting, and Case support

Guidance based on 35+ years of industry experience

Systems designed to help agents grow and scale responsibly

What This Role Is Not

This is not a W-2 employee position

This role does not include a salary or hourly pay

Marketing and lead generation expenses are managed by the agent

Ideal Candidates
This opportunity is a good fit for agents who:

Are currently licensed in Life and/or Health
Understand the responsibilities of a 1099 independent contractor

Are interested in building a long-term insurance business

Value training, mentorship, and support over employee-style compensation

Are motivated, professional, and coachable

Important Note
This role is intended for independent agents who want to operate as business owners. Candidates seeking employer-provided leads, wages, or employee benefits may be better suited to other opportunities.
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*Individual Results Will Vary*

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