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Contract Life Insurance Agent Jobs (NOW HIRING)

Sisler Agency

Life Insurance Agent

Tyler, TX · Remote

Life Insurance Agent Have you been looking for a career change? Are you passionate about helping others? Are you tired of working hard for someone else? If you're ready to build a career where your ...

Dorr Agency

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Life Insurance Agent

Fort Myers, FL · Remote

$60K - $110K/yr

Licensed Life Insurance Agent (Remote) - Advanced Markets | High Paying | Forbes Ranked We are hiring licensed life insurance agents to join our fast-growing remote team. This role includes advanced ...

New York Life Insurance

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Life Insurance Agent

Melville, NY · On-site

$60K - $100K/yr

Full-time agents and their dependents are immediately eligible for medical, dental, vision, long-term disability, and group term life insurance. Our blended training and development program is ...

Dorr Agency

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Life Insurance Agent

Richmond, VA · Remote

$60K - $110K/yr

Licensed Life Insurance Agent (Remote) - Advanced Markets | High Paying | Forbes Ranked We are hiring licensed life insurance agents to join our fast-growing remote team. This role includes advanced ...

Dorr Agency

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Life Insurance Agent

Richmond, VA · Remote

$60K - $110K/yr

Licensed Life Insurance Agent (Remote) - Advanced Markets | High Paying | Forbes Ranked We are hiring licensed life insurance agents to join our fast-growing remote team. This role includes advanced ...

Dorr Agency

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Life Insurance Agent

Charlotte, NC · Remote

$60K - $110K/yr

Licensed Life Insurance Agent (Remote) - Advanced Markets | High Paying | Forbes Ranked We are hiring licensed life insurance agents to join our fast-growing remote team. This role includes advanced ...

Dorr Agency

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Life Insurance Agent

Fort Myers, FL · Remote

$60K - $110K/yr

Licensed Life Insurance Agent (Remote) - Advanced Markets | High Paying | Forbes Ranked We are hiring licensed life insurance agents to join our fast-growing remote team. This role includes advanced ...

Dorr Agency

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Life Insurance Agent

Charlotte, NC · Remote

$60K - $110K/yr

Licensed Life Insurance Agent (Remote) - Advanced Markets | High Paying | Forbes Ranked We are hiring licensed life insurance agents to join our fast-growing remote team. This role includes advanced ...

Dorr Agency

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Life Insurance Agent

Richmond, VA · Remote

$60K - $110K/yr

Licensed Life Insurance Agent (Remote) - Advanced Markets | High Paying | Forbes Ranked We are hiring licensed life insurance agents to join our fast-growing remote team. This role includes advanced ...

Dorr Agency

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Life Insurance Agent

Fort Myers, FL · Remote

$60K - $110K/yr

Licensed Life Insurance Agent (Remote) - Advanced Markets | High Paying | Forbes Ranked We are hiring licensed life insurance agents to join our fast-growing remote team. This role includes advanced ...

Enhance Health LLC

Life Insurance Agent

Clearwater, FL · On-site

$25/hr

Life Insurance Agent - Final Expense $25/hr + Uncapped Commissions + Bonuses In-Office | Clearwater, FL Clarifying Marketing Group is hiring driven and motivated Final Expense Life Insurance Agents ...

Dorr Agency

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Life Insurance Agent

Charlotte, NC · Remote

$60K - $110K/yr

Licensed Life Insurance Agent (Remote) - Advanced Markets | High Paying | Forbes Ranked We are hiring licensed life insurance agents to join our fast-growing remote team. This role includes advanced ...

Builders of True Wealth

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Life Insurance Agent

Carrollton, TX · On-site

$68K - $140K/yr

Overview Join our dynamic team as an Independent Insurance Agent and unleash your entrepreneurial ... Represent major Fortune 500 life insurance and financial firms Duties * Engage in outside sales ...

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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 Jun 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 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.
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 June 2026, with employment types broken down into 3% As Needed, 28% Full Time, 53% Part Time, and 16% Contract. Highlights an 80% Physical, 2% Hybrid, and 18% Remote job distribution, with an average salary of $88,968 per year, or $42.8 per hour.

Life Insurance Agent

Sherrill Insurance Agency

Knoxville, TN

Full-time

Posted 25 days ago

Job description

Looking for a chance to achieve new career heights on a dedicated, compassionate team of successful insurance agents? Our insurance agency is expanding and needs the help of a life insurance agent to grow our list of prospective clients and onboard new clients. Our ideal candidate is great with people, a naturally talented salesperson, and harbors incredible customer service skills and a passion for helping those in need. You’ll have an opportunity to help a thriving insurance team succeed and make a tangible difference in our clients’ lives every day. If this sounds like a job you’d love, apply now!Compensation:

89,000 - 113,000 yearly


Responsibilities:
  • Assist current policyholders during the insurance claims process while overseeing existing insurance claims
  • Manage electronic and paper records and ensure all contracting paperwork is kept current
  • Identify new client insurance needs, insurance risk, goals, current coverage, and financial situation by scheduling meetings for new customers, ensuring a personalized experience
  • Provide warm and professional customer service while onboarding new clients and maintain existing clients, including booking appointments, inquiry response, insurance eligibility, claim submissions questions concerning billing and insurance policies
  • Develop a prospective customer base and advertise our insurance products through referrals, cold calling, networking, and other marketing strategies to secure new business

Qualifications:
  • Familiarity with the Microsoft Office suite
  • Strong interpersonal and communication skills are a must
  • Current Life & Health insurance license is greatly valued
  • Candidates must have a high school diploma or GED; a Bachelor’s degree is a plus
  • Previous customer service or experience as a sales representative preferred

About Company

Sherrill Insurance Agency partners with Fortune 500 and Fortune 100 companies to market and sell their products.

  • No cold calling
  • No Prospecting
  • All Lead-based Sales
  • Six-figure Mentorship
  • Training