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Independent Property and Casualty Insurance Agent

New York, NY · Remote

$150/day

Seeking Independent Insurance Sales Agent with Property & Casualty / Personal Lines license ... Commission Only based role Remote Details * Experienced, high-performing independent or captive ...

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Commission Captive Insurance Agent information

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$25K

$65K

$121.5K

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

As of Jun 8, 2026, the average yearly pay for commission captive 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 are some common challenges faced by Commission Captive Insurance Agents, and how can they be addressed?

Commission Captive Insurance Agents often face the challenge of building a strong client base, especially in a competitive market where trust and long-term relationships are crucial. Navigating the complexities of captive insurance products and clearly communicating their benefits compared to traditional insurance can also be demanding. To overcome these challenges, agents benefit from continuous education, active networking, and leveraging support from their agency’s training programs. Staying updated on industry trends and regulatory changes is essential for providing clients with informed guidance and maintaining credibility.

What are Commission Captive Insurance Agents?

Commission captive insurance agents are professionals who work exclusively for one insurance company, known as a 'captive' insurer. They sell the company's insurance products and typically earn a commission based on the policies they sell, rather than a fixed salary. These agents are knowledgeable about their company's offerings and provide clients with tailored insurance solutions from their specific provider. Their deep understanding of the company's products allows them to offer expert advice, but their options are limited to what their employer offers. Working as a captive agent can offer stable support and training from the parent company.

What is the difference between Commission Captive Insurance Agent vs Independent Insurance Agent?

FeatureCommission Captive Insurance AgentIndependent Insurance Agent
CredentialsLicensing varies by state, typically requires an insurance licenseSame licensing requirements as captive agents
Work EnvironmentWorks exclusively for one insurance companyRepresents multiple insurance companies
EmployerEmployed by a single insurance companySelf-employed or works for an independent agency
Industry UsageCommon in specialized or exclusive product linesWidely used across various insurance markets

In summary, a Commission Captive Insurance Agent works exclusively for one insurer, focusing on its products, while an Independent Insurance Agent offers policies from multiple insurers, providing broader options to clients.

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

To thrive as a Commission Captive Insurance Agent, strong sales abilities, deep understanding of insurance products, and appropriate state licensing are essential. Familiarity with CRM software, quoting platforms, and compliance management systems is typically required. Excellent interpersonal skills, self-motivation, and resilience help agents build trust and maintain client relationships. These skills are crucial for meeting sales targets, ensuring regulatory compliance, and sustaining long-term business growth in a competitive market.
What cities are hiring for Commission Captive Insurance Agent jobs? Cities with the most Commission Captive Insurance Agent job openings:
What are the most commonly searched types of Captive Insurance Agent jobs? The most popular types of Captive Insurance Agent jobs are:
What states have the most Commission Captive Insurance Agent jobs? States with the most job openings for Commission Captive Insurance Agent jobs include:
Commission Captive Insurance Agent jobs near you
Independent Insurance Agent

Independent Insurance Agent

Lifetime Insurance Services, Inc.

Shelby, MI • On-site

$65K - $92K/yr

Contractor

Posted 3 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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