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FCSU Financial

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Independent Life Insurance Agent

Philadelphia, PA · Remote

$40K - $120K/yr

FCSU Financial Independent Life Insurance and Fixed Annuity Agent (1099) We are seeking licensed individuals to join our team as an Independent Life Insurance Agent in the Philadelphia area! This is ...

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How much do annuity agent jobs pay per hour?

As of Jul 3, 2026, the average hourly pay for annuity agent in the United States is $17.15, according to ZipRecruiter salary data. Most workers in this role earn between $14.42 and $19.23 per hour, depending on experience, location, and employer.

What is an annuity agent?

An annuity agent is a licensed professional who helps clients understand, purchase, and manage annuity products as part of their financial planning. Annuities are insurance contracts that provide a steady stream of income, often for retirement. Annuity agents educate clients about different types of annuities, assess their financial needs, and recommend suitable products. They also handle the application process and may offer ongoing service and support for existing annuity contracts.

What jobs pay $500,000 a year in the US?

Annuity agents can potentially earn $500,000 or more annually through commissions on high-value policies, especially with extensive experience and a strong client base. Such earnings are typically associated with top-performing agents in the financial services industry, often requiring licenses, sales skills, and a focus on affluent clients.

How does an Annuity Agent typically collaborate with financial advisors and underwriters in their daily work?

Annuity Agents frequently work alongside financial advisors to help clients develop comprehensive retirement strategies, ensuring annuity products complement other financial plans. They also coordinate with underwriters to ensure applications meet all requirements and to address any issues that may arise during the approval process. This collaborative environment helps agents provide tailored solutions and streamline the client onboarding experience. Strong communication and teamwork skills are essential for success in this role.

What are the key skills and qualifications needed to thrive as an Annuity Agent, and why are they important?

To thrive as an Annuity Agent, you need a solid understanding of financial products, insurance principles, and sales techniques, typically supported by a state insurance license. Familiarity with CRM software, financial planning tools, and compliance management systems is essential. Strong interpersonal skills, active listening, and the ability to build trust help agents effectively connect with clients and address their retirement needs. These skills are crucial for successfully guiding clients through complex decisions and ensuring regulatory compliance in a competitive financial services environment.

How much do agents make on annuities?

Annuity agents typically earn commissions based on the value of the annuities they sell, which can range from 1% to 10% of the premium amount. Their overall income depends on sales volume, experience, and the commission structure of their employer or carrier, with many agents earning from $50,000 to over $150,000 annually. Successful agents often combine commissions with renewal income and may need licensing and sales skills to maximize earnings.

What is the highest paying insurance agent job?

The highest paying insurance agent roles are typically those specializing in high-net-worth clients or complex products, such as private client or wealth management insurance agents. These positions often offer higher commissions and bonuses, especially for agents with extensive experience, advanced certifications, and a strong client network.

What is the difference between Annuity Agent vs Insurance Agent?

AspectAnnuity AgentInsurance Agent
CredentialsLicensing in annuities and life insuranceLicensing in various insurance types
Work EnvironmentFinancial planning and retirement productsBroad insurance sales across multiple lines
Employer & IndustryFinancial services and retirement planning firmsInsurance companies and agencies
Search & ComparisonOften compared for retirement product salesBroader insurance sales roles

While both Annuity Agents and Insurance Agents require licensing and work within the insurance industry, Annuity Agents specialize in retirement and investment products, focusing on annuities. Insurance Agents have a broader scope, selling various insurance policies. The key difference lies in their product focus and client needs, with Annuity Agents primarily assisting clients with retirement planning.

What jobs pay 4000 a week without a degree?

Annuity agents can potentially earn $4,000 or more per week through commissions, especially with experience and a strong client base. High earnings in this role depend on sales performance, industry knowledge, and licensing, with some agents earning significant income without a college degree. Success often requires sales skills, certification, and a focus on building relationships.
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What job categories do people searching Annuity Agent jobs look for? The top searched job categories for Annuity Agent jobs are:
Annuity Agent jobs near you
Infographic showing various Annuity Agent job openings in the United States as of June 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $35,664 per year, or $17.1 per hour.
Independent Life Insurance Agent

Independent Life Insurance Agent

FCSU Financial

Philadelphia, PA • Remote

$40K - $120K/yr

Full-time

Posted 8 days ago

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Job description

FCSU Financial

Independent Life Insurance and Fixed Annuity Agent (1099)

We are seeking licensed individuals to join our team as an Independent Life Insurance Agent in the Philadelphia area!

This is a non-captive, 1099 Independent Contractor position that offers high earning potential with a focus on Life Insurance and Fixed Annuity sales. The non-captive nature of this opportunity allows agents to add our products to their suite of products they offer to their clients.

About Our Fraternal Organization

  • We are a Fraternal, non-profit organization that offers significant benefits to our clients, including memberships, scholarships, and fraternal and cultural events.
  • Agents and clients benefit from excellent customer service.

Products & Compensation

  • Products: We offer a wide variety of Life Insurance and Annuity Products with competitive rates. Our Annuities feature no hidden fees and include a minimum guaranteed rate.
  • Compensation: This is a commission-only role; no base salary is provided. Your income is directly tied to your sales performance. We offer a competitive commission structure.

Responsibilities

  • Prospect and acquire new clients for life insurance and fixed annuity products.
  • Conduct comprehensive needs assessments to recommend suitable solutions.
  • Maintain compliance with all state and federal regulations.
  • Manage your own schedule and business operations as a 1099 Independent Contractor.

Qualifications

  • An active Life Insurance License is required.
  • Proven success in sales, preferably in the insurance or financial industry.
  • Strong entrepreneurial spirit and self-management capabilities.

APPLY TODAY!

Company Description

FCSU helps you build wealth, plan for retirement, and ensure financial security for your loved ones with our insurance and investment products. With over 134 years of experience, FCSU is committed to offering tailored financial products that promote a sense of community and cultural heritage.