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Captive Agent Jobs (NOW HIRING)

Horace Mann

Insurance Agent - Nashua, NH

Nashua, NH · On-site

As a 1099 Captive Agent , you will be responsible for retaining, servicing, and expanding relationships with educators , ensuring they have the right insurance solutions tailored to their unique ...

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How much do captive agent jobs pay per hour?

As of May 31, 2026, the average hourly pay for captive agent in the United States is $30.15, according to ZipRecruiter salary data. Most workers in this role earn between $23.56 and $39.66 per hour, depending on experience, location, and employer.

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

To thrive as a Captive Agent, you need a solid understanding of insurance products, strong sales acumen, and typically a state insurance license. Familiarity with customer relationship management (CRM) systems, policy quoting software, and proprietary company platforms is often required. Exceptional interpersonal skills, resilience, and persuasive communication help build client trust and close sales. These abilities are vital for meeting targets, maintaining compliance, and building lasting client relationships within a specific insurance company’s offerings.

How does working as a captive agent impact your ability to meet clients' needs compared to independent agents?

As a captive agent, you represent a single insurance company, which means you can offer clients specialized knowledge, exclusive products, and in-depth support from that provider. However, this also means your product offerings are limited to what your company provides, which can be a challenge if a client's needs don't align perfectly with your company's products. Success often depends on building strong relationships, thoroughly understanding your products, and providing exceptional service. Captive agents frequently collaborate with internal teams such as underwriting, claims, and customer service, providing a supportive structure and resources for both personal growth and client satisfaction.

What is a captive agent?

A captive agent is an insurance agent who works exclusively for one insurance company and sells only that company's products. Unlike independent agents who represent multiple insurers, captive agents have in-depth knowledge of their company's offerings and can provide specialized advice on those products. They typically receive training, support, and leads from their parent company, but may have limited flexibility in product selection. Captive agents often earn a combination of salary and commission based on their sales performance.

What is the difference between Captive Agent vs Independent Agent?

AspectCaptive AgentIndependent Agent
Credentials/CertificationsRequires industry licenses, state-specific insurance licensesRequires similar licenses, but may also need additional certifications depending on products
Work EnvironmentWorks exclusively for one insurance companyRepresents multiple insurance companies
Employer/Industry UsageEmployed or contracted directly by an insurance companyOperates independently or through agencies, representing multiple insurers

In summary, Captive Agents work exclusively for one insurance company, focusing on their products, while Independent Agents represent multiple insurers, offering clients a broader range of options. Both roles require licensing and industry knowledge but differ mainly in employer relationships and product offerings.

More about Captive Agent jobs
What cities are hiring for Captive Agent jobs? Cities with the most Captive Agent job openings:
What are the most commonly searched types of Captive Agent jobs? The most popular types of Captive Agent jobs are:
What states have the most Captive Agent jobs? States with the most job openings for Captive Agent jobs include:
What job categories do people searching Captive Agent jobs look for? The top searched job categories for Captive Agent jobs are:
Captive Agent jobs near you
Infographic showing various Captive Agent job openings in the United States as of May 2026, with employment types broken down into 89% Full Time, 9% Part Time, and 2% Contract. Highlights an 100% Physical job distribution, with an average salary of $62,702 per year, or $30.1 per hour.
Independent Insurance Agent

Independent Insurance Agent

Lifetime Insurance Services, Inc.

Utica, MI • On-site, Remote

$65K - $92.50K/yr

Contractor

Posted 25 days ago

Job description

Benefits:
  • Bonus based on performance
  • Company parties
  • Employee discounts
  • Flexible schedule
  • Opportunity for advancement
  • Training & development

Independent Insurance Agent (Commission Only)(First Year Minimum Base Salary)

Shelby Township, MI | Hybrid / Remote Flexibility
Lifetime Insurance Services
Build Your Own Book. Control Your Income. Grow With a Winning Team.

Lifetime Insurance Services is a fast-growing, independent insurance agency based in Shelby Township, MI. Were looking for motivated, entrepreneurial individuals who want to build and manage their own book of businessnot just work a job.
If youre driven, competitive, and want unlimited income potential with the support of a proven system, this is your opportunity.
Why Commission-Only Can Be Your Biggest Advantage

  • Unlimited income potential no caps, no ceilings
  • Paid based on performance, not time
  • Residual income that grows year after year
  • Full control over your success and schedule
  • Build a long-term asset (your book of business)
  • Entrepreneurship without starting from scratch
What Youll Do

  • Build and manage your own book of insurance clients
  • Quote and sell Auto, Home, Renters, Condo, Business, Life & more
  • Develop referral partners and networking channels
  • Deliver a high-level client experience focused on education and trust
  • Manage renewals and retention for long-term income growth
Compensation Structure

We offer one of the most competitive commission structures in the industry:
For Your Own Leads / Book of Business

  • 75% New Business Commission
  • 50% Renewal Commission
For Agency-Provided Leads

  • 70% New Business Commission
  • 30% Renewal Commission
Your book is your clients. Your effort directly drives your income.
First year minimum base compensation/commission (whichever is higher)
Tools & Support to Help You Succeed

We dont just hand you a contractwe give you a system:
  • Access to 20+ top-rated insurance carriers
  • Advanced quoting and automation systems
  • Proven sales processes and training
  • CRM and pipeline management tools
  • Marketing support and lead generation strategies
  • Back-end support team to help service policies
  • Ongoing coaching and mentorship
Why Lifetime Insurance Services?

Were not your typical agency.
  • Independent agency advantage we shop multiple carriers to win for clients
  • Tech-forward approach faster quoting, better client experience
  • Heart of a teacher mindset we educate, not pressure
  • Strong reputation & high retention client base
  • Growth-focused environment opportunities to scale your income and role
  • Supportive team culture we want you to win long-term
  • Local office presence + remote flexibility
Independent vs. Captive Agent (Why This Matters)

At Lifetime Insurance Services, youre not limited:
Captive Agent Limitations
  • One company = limited pricing/options
  • Harder to compete on rates
  • Less flexibility for clients
  • Income tied to one carrier
Independent Agent Advantage
  • Access to multiple carriers = better options for clients
  • Higher close rates and retention
  • Ability to truly act in the clients best interest
  • More control over your business and income
Who This Is Perfect For

  • Licensed insurance agents (or willing to get licensed)
  • Captive agents looking for more freedom and better compensation
  • Sales professionals wanting uncapped income
  • Entrepreneurs ready to build something long-term
  • Highly motivated, self-driven individuals
What Success Looks Like

  • Build a growing book of business that pays you every year
  • Develop strong referral pipelines
  • Create long-term financial freedom through residual income
  • Become a trusted advisor in your community
Ready to Take Control of Your Career?

If youre tired of income caps, limited options, and working someone elses systemthis is your chance to build something of your own with the support of a proven agency.
Apply today and start building your future with Lifetime Insurance Services.

Flexible work from home options available.