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Commission Non Captive Insurance Agent Jobs in Rochester, NY

HMG Careers

Remote Insurance Agent

Rochester, NY · Remote

$69K/yr

Remote Insurance Representative | Flexible Schedule | Commission-Based This position offers flexible work hours and clear paths for advancement into leadership and management. You will work remotely ...

HMG Careers

Remote Life Insurance Agent

Rochester, NY · Remote

$69K/yr

Remote Insurance Representative | Flexible Schedule | Commission-Based This position offers flexible work hours and clear paths for advancement into leadership and management. You will work remotely ...

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All JobsNon Captive Insurance Agent JobsCommission Non Captive Insurance Agent JobsCommission Non Captive Insurance Agent Jobs in Rochester, NY

Commission Non Captive Insurance Agent information

See Rochester, NY salary details

$24.7K

$64.2K

$119.9K

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

As of Aug 11, 2026, the average yearly pay for commission non captive insurance agent in Rochester, NY is $64,155.00, according to ZipRecruiter salary data. Most workers in this role earn between $43,900.00 and $76,000.00 per year, depending on experience, location, and employer.

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.

What are the key skills and qualifications needed to thrive as a commission non captive insurance agent?

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.

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.
What are the most commonly searched types of Non Captive Insurance Agent jobs in Rochester, NY? The most popular types of Non Captive Insurance Agent jobs in Rochester, NY are:
What are popular job titles related to Commission Non Captive Insurance Agent jobs in Rochester, NY? For Commission Non Captive Insurance Agent jobs in Rochester, NY, the most frequently searched job titles are:
What job categories do people searching Commission Non Captive Insurance Agent jobs in Rochester, NY look for? The top searched job categories for Commission Non Captive Insurance Agent jobs in Rochester, NY are:
What cities near Rochester, NY are hiring for Commission Non Captive Insurance Agent jobs? Cities near Rochester, NY with the most Commission Non Captive Insurance Agent job openings:
Commission Non Captive Insurance Agent jobs near you
Infographic showing various Commission Non Captive Insurance Agent job openings in Rochester, NY as of August 2026, with employment types broken down into 1% As Needed, 74% Full Time, 20% Part Time, and 5% Contract. Highlights an 91% Physical, 1% Hybrid, and 8% Remote job distribution, with an average salary of $64,155 per year, or $30.8 per hour.

Independent Licensed Life Insurance Agent- Remote

Group Financier Signature

Rochester, NY • On-site

Other

Medical, Life

Posted 13 days ago

Job description

Independent Licensed Life Insurance Agent– Remote The Opportunity

Are you an active, licensed life insurance agent tired of restrictive "captive" contracts, low commission caps, or lack of lead transparency?

We are looking for seasoned professionals to join our platform as independent advisors. This is a 1099 partnership designed for producers who know the industry and want to maximize their ROI by leveraging 50+ top-rated carriers and a robust, automated infrastructure.

Key Responsibilities
  • Consultative Sales: Conduct high-level financial protection assessments for diverse client portfolios.
  • Carrier Selection: Leverage our platform to quote and bind policies across 50+ carriers, ensuring the best fit for the client.
  • Pipeline Management: Utilize our advanced CRM and automation tools to manage high-volume lead flows and client renewals.
  • Scale & Lead: (Optional) Build and mentor your own agency within our ecosystem to generate override income.
Why Experienced Agents Partner With Us
  • Uncapped High-Contract Levels: Competitive commission tiers with performance-based increases.
  • Zero Commission Splits on Leads: Access high-intent leads at cost; keep 100% of your earned commission.
  • Full Portability: You own your book of business from day one.
  • Vested Renewals: Build long-term wealth with immediate vesting on renewal income.
  • Elite Tech Stack: Full access to CRM, automated marketing funnels, and multi-carrier quoting tools.
  • Carrier Depth: Immediate access to A-rated carriers (Term, IUL, Whole Life, Final Expense).
The Professional Profile
  • Currently Licensed: You hold an active Life & Health (or Life-only) license in at least one state.
  • Proven Track Record: You have a history of consistent production and understand the nuances of the life insurance sales cycle.
  • Self-Sufficient: You are a disciplined remote professional who doesn't need "hand-holding" but values a high-level support community.
  • Tech-Savvy: Comfortable navigating modern CRM systems and virtual sales platforms.
Requirements
  • Active Resident Life Insurance License (Required).
  • Errors & Omissions (E&O) Insurance.
  • Must be authorized to work in the United States.
  • A dedicated home office setup with high-speed internet.
Compensation & Structure
  • 1099 Independent Contractor: True entrepreneurial freedom.
  • High Upfront Commissions: Aggressive advance schedules.
  • Passive Income: Monthly renewal income and performance bonuses.
  • Agency Overrides: Compensation for those interested in the leadership and recruitment track.

Note: This is a commission-only partnership for licensed professionals looking to scale their existing business or transition to a more lucrative platform.

Ready to Scale?

If you are a producer who is ready to leave the "trainee" environment behind and start earning what your production is actually worth, we want to talk.

PandoLogic. Category:Insurance, Keywords:Insurance Agent, Location:Rochester, NY-14614

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