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Commission 1099 Insurance Agent Jobs (NOW HIRING)

Chime Insurance Group

Insurance Agent

Frankfort, IL · Remote

As an Insurance Agent at Chime Insurance Group, you will play a crucial role in helping clients ... 1099 contractor: $50,000 base + uncapped commission, weekly direct deposits, and free pre-screened ...

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Team Nexa Insurance Solutions

Life Insurance Agent

Waco, TX · Remote

$55K - $275K/yr

Commission-based (Advances, renewals, overrides available) Position Type: Independent Agent (1099) About the Opportunity Team Nexa Insurance Solutions is expanding in Central Texas and is actively ...

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Commission 1099 Insurance Agent information

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$25K

$65K

$121.5K

How much do commission 1099 insurance agent jobs pay per year?

As of Jul 7, 2026, the average yearly pay for commission 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 Commission 1099 Insurance Agent?

A Commission 1099 Insurance Agent is an independent contractor who sells insurance policies and earns income primarily through commissions on each sale, rather than receiving a regular salary. Unlike traditional employees, 1099 agents are considered self-employed, responsible for their own taxes and business expenses. They typically have flexibility in their schedules and may represent one or multiple insurance companies. This role requires strong sales skills, self-motivation, and a good understanding of insurance products and regulations.

How do life insurance brokers get paid with 80% commission?

Life insurance brokers, including commission-based insurance agents, typically earn a percentage of the premium paid by clients, with some earning up to 80% commission on initial policy sales. This high commission rate is common for new policies and incentivizes agents to acquire new clients, often paid as a lump sum or over time depending on the insurer's compensation structure. Ongoing renewals may generate additional commissions, but the initial payout is usually the largest portion of their earnings.

What are the key skills and qualifications needed to thrive as a Commission 1099 Insurance Agent, and why are they important?

To thrive as a Commission 1099 Insurance Agent, you need a solid understanding of insurance products, state licensing, and sales acumen. Familiarity with customer relationship management (CRM) systems, quoting tools, and online application platforms is commonly required. Exceptional interpersonal skills, self-motivation, and resilience set successful agents apart in a competitive, commission-based environment. These abilities are crucial for building a client base, closing sales, and maintaining compliance while working independently.

What is the difference between Commission 1099 Insurance Agent vs Independent Insurance Broker?

AspectCommission 1099 Insurance AgentIndependent Insurance Broker
CredentialsLicensing required, varies by stateLicensing required, often similar to agents
Work EnvironmentWorks independently, sells policies for insurance companiesOperates independently, represents multiple insurers
Employer & Industry UsageTypically contracted with insurance companiesActs as an independent intermediary for clients

Both roles require licensing and involve selling insurance policies. The main difference is that a Commission 1099 Insurance Agent usually works directly for an insurance company, earning commissions on sales, while an Independent Insurance Broker represents multiple insurers, offering clients a variety of options. Understanding these distinctions helps in choosing the right career path or job opportunity.

What is the highest commission for insurance agents?

The highest commissions for insurance agents, including 1099 insurance agents, can vary widely depending on the product and company, but top earners may receive commissions of 20% to 40% of the premium for certain policies like life or health insurance. Some agents also earn bonuses or overrides, which can significantly increase total earnings, especially with high sales volume and specialized skills.

What is a good commission rate for insurance?

For a Commission 1099 Insurance Agent, a typical commission rate ranges from 10% to 20% of the premium, depending on the insurance product and company. Higher commissions are often available for specialized or hard-to-place policies, and agents should consider industry standards and their sales volume when evaluating compensation. Commission structures can also include bonuses or residuals for ongoing policies.

What are some common challenges faced by Commission 1099 Insurance Agents, and how can they be overcome?

Commission 1099 Insurance Agents often face challenges such as building a client base from scratch, managing inconsistent income, and staying motivated without direct supervision. Success in this role typically involves proactive networking, effective time management, and ongoing self-education about products and industry changes. Many agents find it helpful to join industry associations or mentorship programs, which provide support, training, and opportunities for collaboration with peers. Developing strong organizational skills and leveraging digital tools can also help agents streamline their workflow and boost productivity.

How much commission do independent insurance agents make?

Commission for independent insurance agents varies based on the type of insurance and sales volume, but typically ranges from 10% to 20% of the policy premium. Agents often earn additional bonuses or overrides for high performance and may work on a commission-only basis or with a combination of salary and commission.
More about Commission 1099 Insurance Agent jobs
What cities are hiring for Commission 1099 Insurance Agent jobs? Cities with the most Commission 1099 Insurance Agent job openings:
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Commission 1099 Insurance Agent jobs near you
Infographic showing various Commission 1099 Insurance Agent job openings in the United States as of July 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $65,022 per year, or $31.3 per hour.

Independent Insurance Agent - Health

SHIELDSTONE COVERAGE SOLUTIONS LLC

Boca Raton, FL • On-site

Full-time

Posted 11 days ago

Be an early applicant

Job description

Benefits:
  • NO Cold Calling
  • Qualified Inbound Leads
  • 6-figure earnings potential
  • Hourly+Commission
  • 1099 Contractor

Independent Insurance AgentSupplemental Health & Voluntary Benefits
ShieldStone Coverage Solutions is seeking motivated insurance professionals to join our growing team as Independent Insurance Agents. This opportunity is designed for agents who want qualified leads, no traditional cold calling, flexible work options, and performance-based earning potential. Agents help consumers identify coverage gaps, understand available benefit solutions, and enroll in products that align with their healthcare and financial protection needs.
  • agents@shieldstonecs.com
  • 754-233-0071
  • shieldstoncs.com

THE ROLE
  • Conduct needs-based consultations with prospective clients
  • Educate consumers on supplemental health and voluntary benefit products
  • Present coverage solutions based on licensing and carrier appointments
  • Assist with applications, enrollments, and policy servicing
  • Maintain accurate records within company-approved systems
  • Follow carrier, state, federal, HIPAA, and company compliance requirements
  • Participate in training and ongoing product education

AGENT ADVANTAGES
  • Qualified leads provided with high-intent prospects
  • No traditional cold calling required
  • Flexible work environment with remote opportunities available
  • CRM tools and dashboards to support performance tracking
  • Access to supplemental health and voluntary benefit products
  • Ongoing training, sales support, and product education
  • Opportunities to expand into additional states and markets

QUALIFICATIONS
  • Active Health Insurance Producer License preferred
  • Unlicensed candidates willing and able to obtain the required license may be considered
  • Strong communication and relationship-building skills
  • Ability to explain insurance concepts clearly and professionally
  • Self-motivated, organized, and comfortable working independently
  • Comfortable using CRM, enrollment, and communication technology
  • Previous insurance sales experience preferred, but not required

WORK ENVIRONMENT
  • Flexible remote opportunities available
  • Optional in-person collaboration, coaching, and development at our Boca Raton office
  • Office located near I-95 between Yamato Road and Clint Moore Road
  • Support structure designed to help agents improve performance and grow their business

EARNINGS & GROWTH
  • Commission-based earning potential
  • Performance incentives and compensation opportunities for qualifying agent activities
  • Additional opportunities may be available for approved consumer assistance and enrollment activities
  • Growth opportunities may include additional state licensing, carrier certifications, and market expansion

COMPANY OVERVIEW
  • agents@shieldstonecs.com
  • 754-233-0071
  • shieldstoncs.com