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1099 Insurance Agent Jobs in California (NOW HIRING)

HealthMarkets, Inc.

Insurance Agent

Temecula, CA

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

Escondido, CA

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

Sacramento, CA

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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1099 Insurance Agent information

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.

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

The most popular types of 1099 Insurance Agent jobs in California are:

What are popular job titles related to 1099 Insurance Agent jobs in California?

For 1099 Insurance Agent jobs in California, the most frequently searched job titles are:

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

The top searched job categories for 1099 Insurance Agent jobs in California are:

What cities in California are hiring for 1099 Insurance Agent jobs?

Cities in California with the most 1099 Insurance Agent job openings:

1099 Insurance Agent jobs near you
Infographic showing various 1099 Insurance Agent job openings in California as of August 2026, with employment types broken down into 1% As Needed, 70% Full Time, 22% Part Time, and 7% Contract. Highlights an 85% Physical, 1% Hybrid, and 14% Remote job distribution.

Insurance Agent - Fresno, CA

Horace Mann - Agent Opportunities

Fresno, CA • On-site

Full-time

Re-posted 8 days ago

Horace Mann Insurance rating

8.3

Company rating: 8.3 out of 10

Based on 20 frontline employees who took The Breakroom Quiz

131st of 313 rated insurance

Job description

Horace Mann is seeking a motivated insurance professional to join our team serving the educator market. This opportunity is designed for individuals looking to build or grow their own business while being supported by a strong brand, established resources, and a niche educator market.

Based on experience and background, this opportunity has an existing book of business and may be aligned as either an Exclusive Agent (EA) or an Enhanced Exclusive Agent. Both opportunities require a Property & Casualty and Life & Health license.

Role Options

  • Exclusive Agent (EA):
    Focused on continuing to build from an existing book of business while expanding market access within the educator community through school events, networking, and referrals, with renewal income earned as new business is written.
  • Enhanced Exclusive Agent:
    Assumes and expands an existing book of educator clients with in-force policies and immediate renewal income, while continuing to grow relationships and deepen market presence. Must also have, at minimum, the SIE prior to start; Series 6 and/or Series 63 required or to be obtained after hire, as applicable.

What You'll Do

  • Build and maintain relationships with educators and school employees
  • Identify client needs and recommend insurance and financial solutions
  • Generate new business through referrals, school partnerships, and networking
  • Retain and renew policies while delivering exceptional service
  • Cross-sell auto, home, life, and retirement products
  • Participate in community and educator-focused events

What We Offer

  • 1099 compensation with uncapped earning potential with renewals
  • Industry-leading incentive compensation during the first 48 months while you grow your book (Exclusive Agent)
  • Book of business with immediate renewal income (Enhanced Agent)
  • Exclusive territory within a niche educator market
  • Dedicated service support so you can focus on growth
  • Ongoing training, technology, and business development resources
  • Flexibility to manage your own schedule and business

Qualifications

  • Active Life & Health and Property & Casualty licenses (Exclusive & Enhanced Agent)
  • Ability to obtain FINRA licenses (SIE, Series 6 & 63, if applicable) (Enhanced)
  • Insurance or financial services experience preferred
  • Strong relationship-building and communication skills
  • Entrepreneurial mindset and self-motivation

Why Horace Mann?

  • Exclusive access to the educator market
  • Opportunity to build a meaningful, long-term business
  • Strong earning potential with stability and growth
  • Ability to make a real impact supporting educators' financial futures

Whether you're looking to build from a small book, assume an established one, or grow into a future leadership role, Horace Mann offers a path designed to support your success.

#LI-WW1

#VIZI#

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