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Captive Insurance Agent Jobs in Michigan (NOW HIRING)

Integrity Marketing Group

Agent Sales

Clinton, MI · On-site

Sales Specialist (Captive Agent) Clinton Township, MI About American Health Plans American Health Plans is an experienced health insurance brokerage contracted with most major companies to provide ...

All JobsCaptive Insurance Agent JobsCaptive Insurance Agent Jobs in Michigan

Captive Insurance Agent information

See Michigan salary details

$21.8K

$56.7K

$105.9K

How much do captive insurance agent jobs pay per year?

As of Jul 19, 2026, the average yearly pay for captive insurance agent in Michigan is $56,673.00, according to ZipRecruiter salary data. Most workers in this role earn between $38,800.00 and $67,100.00 per year, depending on experience, location, and employer.

What is a Captive Insurance Agent job?

A Captive Insurance Agent is an insurance salesperson who works for a single insurance company, selling only that company's products. Unlike independent agents who represent multiple insurers, captive agents receive training, support, and leads from their parent company. They often benefit from exclusive products, company-backed marketing, and potential salary or commission structures. This role requires strong sales and customer service skills to help clients find policies that fit their needs while meeting company sales targets.

What are the typical challenges faced by Captive Insurance Agents, and how can they overcome them?

Captive Insurance Agents often face the challenge of meeting sales targets while offering only the products of one insurance company, which can limit options for certain clients. To overcome this, successful agents develop a deep understanding of their company's offerings and learn how to tailor solutions to a wide range of client needs. They often work closely with supportive teams, including sales managers and underwriters, to strategize on complex cases. Building lasting relationships through excellent customer service and ongoing professional development also helps agents stand out and achieve their goals.

What are the key skills and qualifications needed to thrive in the Captive Insurance Agent position, and why are they important?

To thrive as a Captive Insurance Agent, you need in-depth knowledge of insurance products, strong sales acumen, and a valid state insurance license. Familiarity with CRM software, quoting platforms, and company-provided training programs is typical in this role. Outstanding customer service, persuasive communication, and resilience are crucial soft skills that enhance performance. These skills ensure agents efficiently match clients with appropriate products, meet sales targets, and foster long-term client relationships within a competitive industry.

What are the most commonly searched types of Captive Insurance Agent jobs in Michigan? The most popular types of Captive Insurance Agent jobs in Michigan are:
What are popular job titles related to Captive Insurance Agent jobs in Michigan? For Captive Insurance Agent jobs in Michigan, the most frequently searched job titles are:
What job categories do people searching Captive Insurance Agent jobs in Michigan look for? The top searched job categories for Captive Insurance Agent jobs in Michigan are:
Captive Insurance Agent jobs near you
Infographic showing various Captive Insurance Agent job openings in Michigan as of July 2026, with employment types broken down into 75% Full Time, and 25% Contract. Highlights an 50% In-person, and 50% Remote job distribution, with an average salary of $56,673 per year, or $27.2 per hour.
Independent Insurance Agent

Independent Insurance Agent

Lifetime Insurance Services, Inc.

Shelby, MI • On-site

$65K - $92K/yr

Contractor

Re-posted 14 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. We're looking for motivated, entrepreneurial individuals who want to build and manage their own book of business-not just work a job.
If you're 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 You'll 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 don't just hand you a contract-we 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?
We're 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, you're 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 client's 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 you're tired of income caps, limited options, and working someone else's system-this 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.
Compensation: $65,000.00 - $92,500.00 per year
Lifetime Insurance Services, Inc
Lifetime Insurance Services is an independent insurance agency specializing in auto, home, life, and business insurance. We represent multiple companies and we will impartially shop the competition to find our customers the lowest rate without sacrificing coverage.
We are a team made up of professionals who enjoy helping people out and don't take ourselves too seriously. Let's face it....insurance is not the most exciting topic but it's something that everyone needs. We pride ourselves on providing a wealth of knowledge, great customer service and great rates all while having fun!
Company Website:

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