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Commission Captive Insurance Agent Jobs (NOW HIRING)

FCSU Financial

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Independent Life Insurance Agent

Cleveland, OH · Remote

$48K - $120K/yr

This is a non-captive, 1099 Independent Contractor position that offers high earning potential with ... This is a commission-only role; no base salary is provided. Your income is directly tied to your ...

FCSU Financial

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Independent Life Insurance Agent

Philadelphia, PA · Remote

$48K - $120K/yr

This is a non-captive, 1099 Independent Contractor position that offers high earning potential with ... This is a commission-only role; no base salary is provided. Your income is directly tied to your ...

FCSU Financial

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Independent Life Insurance Agent

Columbus, OH · Remote

$48K - $120K/yr

This is a non-captive, 1099 Independent Contractor position that offers high earning potential with ... This is a commission-only role; no base salary is provided. Your income is directly tied to your ...

Compass Health Consultants

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Insurance Agent

Kansas City, KS · On-site

$50K - $65K/yr

As a non-captive agency , we partner with multiple leading insurance carriers, allowing our agents ... What We Offer ✔ 100% Commission + Uncapped Earning Potential + Passive Income ✔ Licensing ...

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Commission Captive Insurance Agent information

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$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

Insurance Agent - Oak Hill, WV

Horace Mann - Agent Opportunities

Oak Hill, WV • On-site

Full-time

Medical, Life, Retirement

Posted 2 days ago

Job description

We seek an experienced Insurance Agent to serve a specialized educator market while assuming an existing business book with in-force policies and renewals. As a 1099 Captive Agent, you will be responsible for retaining, servicing, and expanding relationships with educators. You will ensure they have the right insurance solutions tailored to their unique needs while providing access to valuable no-cost programs and resources.
Key Responsibilities:
  • Assume and grow an established book of business consisting primarily of educators and school employees.
  • Retain and renew existing policies while ensuring customer satisfaction and long-term relationships.
  • Generate new business through referrals, school partnerships, and networking within the education sector.
  • Identify cross-selling and upselling opportunities to offer additional protection, such as life and retirement products.
  • Educate clients on their coverage options, policy benefits, and financial protection strategies tailored for educators.
  • Share Value-Added Programs
    • Student Loan Solutions to help educators navigate loan repayment options.
    • Financial Wellness Workshops to support long-term financial planning.
    • Classroom Funding Assistance in partnership with DonorsChoose, helping educators secure funding for essential classroom resources.

Qualifications:
  • Active insurance license in (Life, Health, Property & Casualty, SIE, and the ability to obtain additional FINRA licenses within 12 months).
  • Proven experience as an Insurance Agent or Agency Owner, specializing in Property & Casualty, Life, and Retirement solutions.
  • Strong relationship-building skills with the ability to connect with educators and school personnel.
  • Self-motivated and goal-oriented with the ability to work independently.
  • Excellent communication and presentation skills, especially in explaining policies to non-financial professionals.

Compensation & Benefits:
  • Commission-based earnings with renewal income from an assumed book of business.
  • Access to an established client base with active policies in force.
  • Performance-based rewards, including production incentives and exclusive trips.
  • Opportunities for additional sales and referrals within the niche educator market.
  • Ongoing training and resources to support professional growth.
  • Flexibility and autonomy to manage your schedule while benefiting from an established captive agency structure.

Why Join Us?
  • Immediate renewal income with a built-in book of educator clients.
  • Exclusive access to a niche market with a strong demand for specialized insurance solutions.
  • Ability to make a meaningful impact by helping educators secure their financial future.
  • Long-term career growth with residual income potential.

If you're a dedicated insurance professional looking for a specialized, relationship-driven opportunity in the educator market, we'd love to hear from you!
At Horace Mann, we help individual educators identify their financial goals and develop plans to achieve them. Our solutions include auto insurance, homeowners insurance, life insurance, and retirement solutions.
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