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Contract Life Insurance Agent Jobs in Springfield, MA

HealthMarkets, Inc.

Insurance Agent

Hartford, CT

... your life. If youre an insurance agent with 4-5 years of experience, we want you. As an independent contractor licensed insurance agent with HealthMarkets, youll be collaborating with one of the ...

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All JobsContract Life Insurance Agent JobsContract Life Insurance Agent Jobs in Springfield, MA

Contract Life Insurance Agent information

See Springfield, MA salary details

$17.9K

$88.7K

$144.5K

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

As of Jun 26, 2026, the average yearly pay for contract life insurance agent in Springfield, MA is $88,657.00, according to ZipRecruiter salary data. Most workers in this role earn between $57,300.00 and $121,600.00 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 Springfield, MA? The most popular types of Life Insurance Agent jobs in Springfield, MA are:
What are popular job titles related to Contract Life Insurance Agent jobs in Springfield, MA? For Contract Life Insurance Agent jobs in Springfield, MA, the most frequently searched job titles are:
What job categories do people searching Contract Life Insurance Agent jobs in Springfield, MA look for? The top searched job categories for Contract Life Insurance Agent jobs in Springfield, MA are:
Contract Life Insurance Agent jobs near you

Independent Licensed Life Insurance Agent- Remote

Group Financier Signature

Hartford, CT • Remote

Contractor

Medical, Life

This job post has expired today. Applications are no longer accepted.

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. Keywords: Insurance Agent, Location: Hartford, CT - 06152 , PL: 603428884