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Contract Life Insurance Agent Jobs in Indiana (NOW HIRING)

Life Insurance Agent

Indianapolis, IN ยท Remote

$50K - $100K/yr

No leader can give everything it takes to help an agent succeed when they're bringing on anyone who ... This role does require a Life and Health Insurance License, but don't worry--we'll help you obtain ...

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Showing results 1-20

Contract Life Insurance Agent information

See Indiana salary details

$17.1K

$84.7K

$138K

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

As of Jun 16, 2026, the average yearly pay for contract life insurance agent in Indiana is $84,659.00, according to ZipRecruiter salary data. Most workers in this role earn between $54,700.00 and $116,100.00 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 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.

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 are the key skills and qualifications needed to thrive as a Contract Life Insurance Agent, and why are they important?

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.

How much can I sell a $100,000 life insurance policy for?

As a contract life insurance agent, you typically do not sell policies for a fixed price; instead, you earn commissions based on the premiums paid by clients. The value of a $100,000 life insurance policy depends on the policy type, the insured's risk profile, and the commission structure, which can range from 20% to 100% of the first year's premium. Agents focus on selling policies and earning commissions rather than reselling existing policies for a set amount.

What life insurance company has the highest paid agents?

The highest-paid life insurance agents typically work for large, well-established companies such as Northwestern Mutual, New York Life, and MassMutual, which offer competitive commissions and bonuses. Compensation can vary based on experience, sales performance, and the company's compensation structure, with top agents earning six-figure incomes. Success in this role often depends on strong sales skills, certifications, and building a client base.

Can I get life insurance with lupus?

A contract life insurance agent can explain that individuals with lupus may qualify for life insurance, but approval depends on disease severity, treatment stability, and overall health. Insurers often require medical evaluations and may impose higher premiums or exclusions based on health conditions.

Why do most life insurance agents quit?

Most life insurance agents quit due to the challenging nature of building a client base, high rejection rates, and inconsistent income, especially during the initial stages. Success often requires strong sales skills, persistence, and ongoing training, which can be demanding over time.
What are the most commonly searched types of Life Insurance Agent jobs in Indiana? The most popular types of Life Insurance Agent jobs in Indiana are:
What job categories do people searching Contract Life Insurance Agent jobs in Indiana look for? The top searched job categories for Contract Life Insurance Agent jobs in Indiana are:
What cities in Indiana are hiring for Contract Life Insurance Agent jobs? Cities in Indiana with the most Contract Life Insurance Agent job openings:

Life Insurance Agent

Kimbrell Agency

Indianapolis, IN โ€ข Remote

$50K - $100K/yr

Full-time, Part-time

Medical, Life, Retirement

Posted 13 days ago


Job description

Kimbrell Agency

Remote

Employment Type: Contractor

Compensation $50,000 to $100,000 per year (plus commission)

If you're reading this and thinking, "Insurance? Really?" I get it. I've thought that tooโ€”and I still do. The truth is, I'm not passionate about insurance. I'm passionate about people. We donโ€™t just build careers; we build people who, in turn, build businesses. The result? Success and fulfillment.

We look forward to discovering what success means to you and, if we find that this is the right fit, we are fully committed to providing you with the tools, training, and support to make it happen.

The Problem with Most Insurance Jobs:

Letโ€™s be realโ€”most agencies are desperate to hire anyone with a pulse, offer minimal support, and if you're lucky, they might invest in you six months down the line. We think that's unacceptable.

At The Kimbrell Agency, we do things differently. We invest heavily from the start to ensure you're the right fit for this career. That means we pour everything into your long-term success. No leader can give everything it takes to help an agent succeed when theyโ€™re bringing on anyone who applies. Unfortunately, most agencies make empty promises: "Be in business for yourself, but not by yourself," or "We offer hands-on support and training."

Here, we actually mean it. And we have a proven track record of success to back it up.


What We Offer:

A Proven Lead System: Say goodbye to cold calling. Our streamlined lead generation system puts you in front of qualified buyers who have requested coverage. Youโ€™ll call these clients, set appointments, and meet virtually to help them find the best insurance plan for their needs and budget. Some agents even start part-time and transition to full-time.

A Real Opportunity for Growth: This role is perfect for self-disciplined sales professionals who are ready to put in the work. If you need someone looking over your shoulder or a time clock to punch, this isn't the right fit. But if you're driven, gritty and ready to build something meaningful, we want to hear from you.


Key Responsibilities:

Present and sell insurance products to new and existing customers.

Reach out to potential clients who have requested coverage.

Handle customer inquiries and resolve complaints.

Participate in regular Zoom training sessions.


Who We're Looking For:

Previous experience in sales, customer service, or a related field is a plus.

Familiarity with CRM platforms is helpful.

You know how to build rapport and trust with clients.

Youโ€™re deadline-driven, detail-oriented, and dedicated to delivering results.

Integrity and a strong work ethic are a must.

Weโ€™re seeking individuals who are ambitious, coachable, passionate about helping others, and driven to achieve greatness. If youโ€™re ready to take control of your future and create a career you can be proud of, weโ€™d love to connect.


Why Choose Us?

True Agency Ownership: Here, youโ€™ll have the chance to own your businessโ€”contractually protect what you build.

Game-Changing Lead Program: We provide the industryโ€™s best leads, generated in-house and heavily subsidized to help you succeed.

Comprehensive Training & Support: From day one, we offer hands-on training, including daily coaching calls, weekly one-on-ones, and group sessions. Youโ€™ll have a system to follow at every step of the way.

Industry-Leading Compensation: Our compensation plan is designed to deliver real profit, with vested rights from day one.

Dedicated Conservation Team: Our team ensures your business stays protected from chargebacks, giving you one of the highest persistency rates in the industry.

World-Class Travel & Incentives: Have the ability to earn 3-4 fully-paid trips per year, all expenses covered.

Unlimited Earning Potential: This is a commission and bonus-based position, with no cap on how much you can earn. Your income potential is truly unlimited.


A Few More Details:

This role does require a Life and Health Insurance License, but donโ€™t worryโ€”weโ€™ll help you obtain it through a streamlined online course that takes just 7-10 days.

Please note: Success in this role varies. Your level of success will depend on several factors, including the effort you put in, your ability to follow and implement our proven system, and the specific insurance needs in your geographic area. Not all agents achieve the same results, and earnings are based on individual performance.

Ready to Build Your Future with Us?

If you're ready to make a differenceโ€”not just in your own life, but in the lives of othersโ€”apply today. We canโ€™t wait to see how you define success.


About Kimbrell Agency:

Kyle & Lisa Kimbrell are financial service industry veterans with over 50 years experience combined in sales, marketing and leadership. Since founding their Symmetry Financial Group business in July of 2016 their national agency has sold over 55,000 life, health, annuity, disability and retirement policies with over $85 million in sales. The Kimbrells attained Equity Partnership in only 24 months, which is the fastest in SFG history.


Company website: https://www.kimbrellagency.com/