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Contract Life Insurance Agent Jobs (NOW HIRING)

New York Life Insurance

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Life Insurance Agent

Charlotte, NC · On-site

$60K - $100K/yr

Life Insurance Agent Position Summary As a Life Insurance Agent, you will help individuals and families protect their financial future by providing personalized life insurance solutions. You will ...

New York Life

Life Insurance Agent

Fayetteville, NC · On-site

$69K - $130K/yr

The New York Life Insurance Agent's role is all about building relationships with and providing the ... In 2022, the average income of our agents under the N8 and N9 Agent's Contract who met annual ...

New York Life

Life Insurance Agent

Raleigh, NC

$69K - $130K/yr

The New York Life Insurance Agent's role is all about building relationships with and providing the ... In 2022, the average income of our agents under the N8 and N9 Agent's Contract who met annual ...

New York Life Insurance

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Life Insurance Agent

Charlotte, NC · On-site

$60K - $100K/yr

Life Insurance Agent Position Summary As a Life Insurance Agent, you will help individuals and families protect their financial future by providing personalized life insurance solutions. You will ...

New York Life

Life Insurance Agent

Greenville, NC

$69K - $130K/yr

The New York Life Insurance Agent's role is all about building relationships with and providing the ... In 2022, the average income of our agents under the N8 and N9 Agent's Contract who met annual ...

New York Life

Life Insurance Agent

Greensboro, NC · On-site

$69K - $130K/yr

The New York Life Insurance Agent's role is all about building relationships with and providing the ... In 2022, the average income of our agents under the N8 and N9 Agent's Contract who met annual ...

New York Life

Life Insurance Agent

Wilmington, NC

$69K - $130K/yr

The New York Life Insurance Agent's role is all about building relationships with and providing the ... In 2022, the average income of our agents under the N8 and N9 Agent's Contract who met annual ...

Agent First Contracts LLC

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Life Insurance Agent

Saint Louis, MO · On-site

$60K - $300K/yr

Final Expense Life Insurance Agent Build Your Book With the Leads, Tools, and Support, Everything You Need to Succeed We are looking for motivated, licensed Life Insurance Agents to join our growing ...

New

Agent First Contracts LLC

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Life Insurance Agent

Saint Louis, MO · On-site

$60K - $300K/yr

Final Expense Life Insurance Agent Build Your Book With the Leads, Tools, and Support, Everything You Need to Succeed We are looking for motivated, licensed Life Insurance Agents to join our growing ...

New

Alchemy Financial Group

Life Insurance Agent

Columbia, SC · On-site

$70K - $95K/yr

Insurance Agent Responsibilities * Identify opportunities to sell life insurance to a variety of clients and working with them to find the policy that best suits their needs * Go through policies ...

Globe Life

Life Insurance Agent

Denver, CO · Remote

$80K - $120K/yr

We are seeking a Life Insurance Agent to join our team! You will be responsible for expanding the company's book of business by selling various types of insurance policies to new and existing clients.

Farmers Insurance

Life Insurance Agent

Santa Ana, CA · On-site

$50K - $80K/yr

We're looking for a motivated, relationship-driven Life Insurance Agent to join our growing agency. If you're passionate about helping individuals and families protect their financial future while ...

Farmers Insurance

Life Insurance Agent

Santa Ana, CA · On-site

$50K - $80K/yr

We're looking for a motivated, relationship-driven Life Insurance Agent to join our growing agency. If you're passionate about helping individuals and families protect their financial future while ...

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Contract Life Insurance Agent information

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$18K

$89K

$145K

How much do contract life insurance agent jobs pay per year?

As of Aug 23, 2026, the average yearly pay for contract life insurance agent in the United States is $88,968.00, according to ZipRecruiter salary data. Most workers in this role earn between $57,500.00 and $122,000.00 per year, depending on experience, location, and employer.

What is a contract life insurance agent?

A Contract Life Insurance Agent is a professional who sells life insurance policies on behalf of an insurance company, typically working as an independent contractor rather than as a direct employee. These agents help clients choose appropriate life insurance coverage based on their needs and financial situations. As contractors, they often have flexible schedules and may represent multiple insurance carriers. Their responsibilities include prospecting for new clients, explaining policy options, and assisting with the application and claims process.

What are the key skills and qualifications needed to thrive as a contract life insurance agent?

To thrive as a Contract Life Insurance Agent, you need a strong understanding of insurance products, sales techniques, and state licensing as a basic qualification. Familiarity with customer relationship management (CRM) software, digital quoting platforms, and underwriting systems is typically required. Outstanding interpersonal skills, active listening, and self-motivation help agents build trust and effectively address client needs. These skills ensure agents can navigate complex products, comply with regulations, and achieve sales targets while fostering long-term client relationships.

What are some common challenges faced by contract life insurance agents, and how can they be overcome?

Contract life insurance agents often face challenges such as building a strong client base from scratch, managing fluctuating income, and staying up-to-date with changing products and regulations. To overcome these challenges, agents can focus on networking, leveraging referrals, and continuing professional education to enhance their knowledge and credibility. Additionally, establishing a consistent routine for prospecting and following up with clients can help maintain steady business growth and income stability.

What is the difference between Contract Life Insurance Agent vs Full-Time Life Insurance Agent?

AspectContract Life Insurance AgentFull-Time Life Insurance Agent
CredentialsLicensing required, no additional certifications necessarilyLicensing required, may pursue advanced certifications
Work EnvironmentIndependent, flexible schedule, often remote or on commissionOffice-based or field, regular hours, salaried or commission-based
Employer & Industry UsageWorks independently or with agencies on a contract basisEmployed by insurance companies or agencies full-time

Contract Life Insurance Agents typically operate independently with flexible hours and are paid on a commission basis, often working on a contract basis. Full-Time Life Insurance Agents are employed directly by insurance companies or agencies, with regular hours and benefits. Both roles require licensing, but contract agents usually have more flexibility and less job security compared to full-time agents.

Can being a contract life insurance agent be a side hustle?

Yes, contract life insurance agents often work independently and can pursue their role as a side hustle, provided they meet licensing requirements and manage their schedule accordingly. Many agents choose part-time work to supplement income while maintaining other employment or commitments.
More about Contract Life Insurance Agent jobs

What cities are hiring for Contract Life Insurance Agent jobs?

Cities with the most Contract Life Insurance Agent job openings:

What are the most commonly searched types of Life Insurance Agent jobs?

The most popular types of Life Insurance Agent jobs are:

What states have the most Contract Life Insurance Agent jobs?

States with the most job openings for Contract Life Insurance Agent jobs include:

What job categories do people searching Contract Life Insurance Agent jobs look for?

The top searched job categories for Contract Life Insurance Agent jobs are:

Contract Life Insurance Agent jobs near you
Infographic showing various Contract Life Insurance Agent job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 73% Full Time, 21% Part Time, and 5% Contract. Highlights an 89% Physical, 1% Hybrid, and 10% Remote job distribution, with an average salary of $88,968 per year, or $42.8 per hour.

Life Insurance Agent

New York Life Insurance

Charlotte, NC • On-site

$60K - $100K/yr

Full-time

Medical, Dental, Vision, Life, Retirement

Posted 18 days ago

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Job description

Life Insurance Agent

Position Summary

As a Life Insurance Agent, you will help individuals and families protect their financial future by providing personalized life insurance solutions. You will build lasting client relationships, assess financial needs, educate clients on available coverage options, and recommend products that align with their goals. This role offers the opportunity to build your own client base while making a meaningful impact on the lives of others.

Key Responsibilities

  • Prospect and develop new client relationships through networking, referrals, and community involvement.
  • Meet with individuals and families to evaluate their financial protection needs.
  • Educate clients on life insurance products and their benefits.
  • Recommend customized insurance solutions based on each client's goals and budget.
  • Prepare and submit insurance applications while ensuring regulatory compliance.
  • Maintain ongoing relationships through annual policy reviews and client service.
  • Generate referrals and build a strong book of business.
  • Participate in company training, licensing, and professional development programs.

Qualifications

  • High school diploma or equivalent required; bachelor's degree preferred.
  • Excellent communication and interpersonal skills.
  • Strong work ethic with an entrepreneurial mindset.
  • Self-motivated and goal-oriented.
  • Sales or customer service experience is preferred but not required.
  • Ability to obtain and maintain a state Life and Health Insurance License.

Preferred Skills

  • Relationship-building and networking
  • Problem-solving and consultative sales
  • Time management and organization
  • Professional communication
  • Ability to work independently

Compensation & Benefits

  • Competitive commission-based compensation with performance incentives.
  • Flexible work schedule.
  • Comprehensive training and mentorship.
  • Career advancement opportunities.
  • Ongoing professional development and licensing support.

Why Join Our Team?

As a Life Insurance Agent, you'll have the opportunity to build a rewarding career while helping clients achieve financial security. You'll enjoy the flexibility of running your own business, unlimited earning potential, professional development, and the satisfaction of making a meaningful difference in people's lives every day.

Company Description

New York Life is a Fortune 100 mutual company with more than 180 years of experience helping individuals, families, and businesses protect what matters most. Financial Professionals receive training, support, and access to a broad portfolio of insurance and financial products while building long-term client relationships.