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Commission Non 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 ...

Pope Insurance Group (A Senior Life Insurance Company Agency)

$55K - $250K/yr

Licensed Life Insurance Agent - Dallas-Fort Worth (Texas License Required) Team-Based Model | In ... commissions with renewals Access to multiple top-rated, non-captive carriers A proven presentation ...

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 ...

Team Nexa Insurance Solutions

$55K - $250K/yr

Licensed Life Insurance Agent - Dallas-Fort Worth (Texas License Required) Team-Based Model | In ... commissions with renewals Access to multiple top-rated, non-captive carriers A proven presentation ...

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All JobsCommission Non Captive Insurance Agent Jobs

Commission Non Captive Insurance Agent information

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$25K

$65K

$121.5K

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

As of Jun 17, 2026, the average yearly pay for commission non 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.

Do independent insurance agents make more money than captive agents?

Commission non-captive insurance agents typically have the potential to earn higher income than captive agents because they can sell policies from multiple carriers and often retain a larger portion of the commissions. However, income varies based on sales skills, client base, and market conditions, and captive agents usually receive a fixed salary or benefits in addition to commissions. Success in either role depends on individual performance and experience.

What is the highest paying insurance agent job?

Commission-based non-captive insurance agents can earn high incomes, especially those specializing in commercial or high-net-worth client policies. Top earners often have extensive industry experience, strong sales skills, and may hold professional certifications, with some earning six-figure incomes or more annually.

What is a Commission Non Captive Insurance Agent?

A Commission Non Captive Insurance Agent is an insurance professional who is not exclusively tied to a single insurance company. Instead, they work with multiple insurance providers and offer a variety of policies from different companies to their clients. These agents earn commissions based on the policies they sell, giving them the flexibility to recommend the best products for their clients' needs. This contrasts with captive agents, who can only sell products from one insurer. Non captive agents often have access to a wider range of options and can provide more tailored solutions.

How much do commission-based insurance agents make?

Commission-based insurance agents, including non-captive agents, typically earn between 40% and 100% of the premiums they sell, with total earnings often ranging from $50,000 to over $100,000 annually depending on experience, sales skills, and the insurance products offered. High performers with strong client networks can earn significantly more through commissions and bonuses. Income can vary widely based on sales volume, client retention, and the commission structure of the agency or company.

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

To thrive as a Commission Non Captive Insurance Agent, you need strong sales acumen, deep knowledge of various insurance products, and relevant state licensing. Familiarity with customer relationship management (CRM) systems, quoting software, and digital marketing tools is typically required. Exceptional interpersonal skills, self-motivation, and resilience help agents build trust and maintain client relationships in a competitive environment. These skills and qualities are crucial for effectively sourcing clients, closing deals, and sustaining a successful independent insurance practice.

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

AspectCommission Non Captive Insurance AgentIndependent Insurance Agent
CredentialsLicensing varies by state, often requires state insurance licenseSame licensing requirements as Commission Non Captive Insurance Agent
Work EnvironmentWorks primarily with specific insurance companies, earning commissionsRepresents multiple insurers, offering broader options to clients
Employer & Industry UsageTypically employed by or contracted with a single insurance companyOperates independently or as part of an agency representing multiple insurers

Both roles require insurance licensing and involve selling policies for insurance companies. The key difference is that a Commission Non Captive Insurance Agent usually works with a single insurer, earning commissions from that company, while an Independent Insurance Agent represents multiple insurers, providing clients with a variety of options. This distinction impacts their work environment, employer relationships, and client offerings.

Which insurance company gives the highest commission to an agent?

Commission rates for non-captive insurance agents vary by company, product, and sales volume. Typically, larger or more specialized insurers may offer higher commissions, but these can differ significantly based on the policy type and agency agreements. Agents should compare commission structures directly with insurers to determine the most lucrative options for their sales efforts.

What are the main challenges faced by commission non-captive insurance agents, and how can they be managed?

Commission non-captive insurance agents often face the challenge of building and maintaining a strong client base without the exclusive backing of a single insurance company. This requires proactive networking, ongoing client relationship management, and staying updated on a variety of insurance products from multiple carriers. Success in this role typically depends on self-motivation, effective time management, and adaptability to changing market conditions. Agents can manage these challenges by leveraging industry training, mentorship, and utilizing customer relationship management (CRM) tools to track leads and client interactions.
More about Commission Non Captive Insurance Agent jobs
What cities are hiring for Commission Non Captive Insurance Agent jobs? Cities with the most Commission Non Captive Insurance Agent job openings:
What are the most commonly searched types of Non Captive Insurance Agent jobs? The most popular types of Non Captive Insurance Agent jobs are:
What states have the most Commission Non Captive Insurance Agent jobs? States with the most job openings for Commission Non Captive Insurance Agent jobs include:
What job categories do people searching Commission Non Captive Insurance Agent jobs look for? The top searched job categories for Commission Non Captive Insurance Agent jobs are:
Commission Non Captive Insurance Agent jobs near you
Infographic showing various Commission Non Captive Insurance Agent job openings in the United States as of June 2026, with employment types broken down into 100% Full Time. Highlights an 67% In-person, and 33% Remote job distribution, with an average salary of $65,022 per year, or $31.3 per hour.

Licensed Life & Health Insurance Agent

Assurance Network

Chester, VA • Remote

$50K - $200K/yr

Contractor

Medical, Life

Posted 4 days ago

Job description

Licensed Life & Health Insurance Agent
Non-Captive | Residual Income | 1099

Medicare (T65) | ACA | Life

Tired of paying for dead or recycled leads?
Is E&O coverage holding you back from getting started?
We’re hiring licensed Life & Health agents ready to grow in Medicare (T65), ACA, and Life insurance.
This is a non-captive 1099 opportunity where you’re paid directly by carriers and retain ownership of your book of business.
Some free lead opportunities are available (availability varies). You’ll prospect daily, handle inbound calls, conduct virtual or in-person appointments, and close business compliantly.
We provide tools and support.
You bring the activity and follow-through.
Compensation:
  • Commission paid directly by carriers.
  • Medicare, ACA, and Life products.
  • Renewal income available.
  • Uncapped earning potential.
  • Build long-term residual income.
Requirements:
  • Active Life & Health License.
  • Comfortable making outbound calls.
  • Strong phone communication skills.
  • Self-motivated and disciplined.
  • Desktop/laptop (no tablets).
  • Hardwired internet (no WiFi).
  • Headset with microphone.
  • Quiet, professional workspace.
If you're ready to stop chasing bad leads and start building real production, apply today. Email your name and contact information to agents@assurance-network.com and be sure to include whether you’re interested in becoming a Life Insurance Agent, Health Insurance Agent, or both.
Non-captive.
Uncapped.
Performance-driven.