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Full Time Life Insurance Agent Jobs in Worcester, MA

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Full Time Life Insurance Agent information

See Worcester, MA salary details

$18K

$88.8K

$144.7K

How much do full time life insurance agent jobs pay per year?

As of Aug 28, 2026, the average yearly pay for full time life insurance agent in Worcester, MA is $88,774.00, according to ZipRecruiter salary data. Most workers in this role earn between $57,400.00 and $121,700.00 per year, depending on experience, location, and employer.

What is a full time life insurance agent?

Full Time Life Insurance Agents are professionals who sell life insurance policies to individuals and families, helping clients choose coverage that best meets their financial and personal needs. They work with insurance companies to offer different policy options, explain terms and benefits, and assist clients through the application process. In addition to selling policies, they may also provide ongoing customer service and help clients with claims or policy updates. Working full time means they typically have set hours and may work from an office, remotely, or meet clients in person. Their goal is to ensure clients have the right protection for their loved ones in the event of unexpected loss.

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

To thrive as a Full Time Life Insurance Agent, you need strong sales acumen, in-depth knowledge of insurance products, and appropriate state licensure. Familiarity with customer relationship management (CRM) software, quoting tools, and regulatory compliance systems is also critical. Excellent interpersonal communication, active listening, and resilience help agents build trust and maintain long-term client relationships. These skills ensure agents can effectively match clients with suitable policies, comply with legal requirements, and sustain a successful sales pipeline.

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

Full-time life insurance agents often face challenges such as building a steady client base, handling rejection, and staying updated with changing products and regulations. Success in this role requires persistence, strong communication skills, and a proactive approach to networking and client outreach. Many agents benefit from mentorship programs, ongoing professional development, and leveraging technology to organize leads and follow-ups. Collaborating with experienced colleagues and participating in team meetings can also provide valuable support and insights for overcoming obstacles.

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

AspectFull Time Life Insurance AgentPart Time Life Insurance Agent
Work HoursTypically 35-40 hours per weekFewer hours, often less than 20 hours per week
Income PotentialHigher earning potential due to full-time commitmentLimited income, often supplementary
CertificationsRequired licenses and certificationsSame certifications as full-time agents
Work EnvironmentOffice, client meetings, and field workFlexible, often part-time or remote

Full Time Life Insurance Agents work more hours, have higher earning potential, and typically operate in a more consistent work environment compared to Part Time Life Insurance Agents. Both roles require the same licensing and certifications, but the commitment level and income opportunities differ significantly.

Is it hard to make money as a full time life insurance agent?

Making money as a full-time life insurance agent depends on factors such as sales skills, client base, and commission structure. Success often requires building relationships, obtaining relevant licenses, and consistent effort, as income can vary widely among agents.

Why do most full time life insurance agents quit?

Many full-time life insurance agents quit due to the challenging nature of building a client base, high competition, 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 Worcester, MA?

The most popular types of Life Insurance Agent jobs in Worcester, MA are:

Full Time Life Insurance Agent jobs near you

Licensed Life Insurance Agent (58507)

Marlborough, MA • On-site

AAA Northeast
Personal Services • 1 - 5K employees

8.0

Company rating: 8.0 out of 10

Based on 36 frontline employees who took The Breakroom Quiz

169th of 314 rated insurance

People enjoy working here

Good employer

Recommended by parents

Learn more about AAA Northeastexternal

$21/mo

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

This job post has expired 1 day ago. Applications are no longer accepted.

Job description

Turn Your Life Insurance Expertise into a Rewarding Career with AAA Northeast

 Help Members Protect Their Future While Building Your Own

Are you a licensed Life Insurance professional who thrives on building relationships and making a difference? At AAA Northeast, you'll have the opportunity to combine your passion for helping others with the earning potential and support of one of the most trusted brands in the industry.

 As a Field Insurance Life Agent, you'll work directly with AAA members and prospective clients, helping them protect their families, prepare for retirement, and achieve financial peace of mind. In return, you'll enjoy excellent income opportunities, a recognizable brand, and the resources needed to grow a successful book of business.

What You'll Do

  • Help AAA members and prospective clients protect their financial future through life insurance and retirement planning solutions.
  • Build and grow your business through referrals, networking, and community involvement.
  • Conduct personalized needs assessments and recommend solutions that align with each client's goals and financial situation.
  • Develop long-term relationships as a trusted advisor, providing ongoing guidance as clients' needs evolve.
  • Manage the insurance process from application through policy delivery and service.
  • Partner with insurance carriers, underwriters, and AAA team members to deliver exceptional client experiences.
  • Identify opportunities to connect members with additional AAA products and services that add value to their lives.

 Why Join AAA Northeast?

  •  Excellent Earning Potential with uncapped commission opportunities
  •  Established AAA Membership Base providing referral and networking opportunities
  •  Trusted Brand Recognition that opens doors and builds credibility
  •  Comprehensive Training and Ongoing Support
  •  Career Growth Opportunities
  • The Ability to Make a Meaningful Impact on Members' Lives Every Day

What You'll Need:

Education

  • High School or GED Required and Bachelor's Degree Business Administration or related field Preferred

Experience

  • Sales experience Required and Insurance Experience Preferred

 Licenses and Certifications

  • Life Insurance License Upon Hire Required
  • Industry designations (CLU, FLMI, etc.) Preferred
  • Failure to be appointed as an Agent for AAA Life will result in job offer being rescinded/employment being terminated.
  • Must complete all required AAA Life onboarding documents and training

Benefits & Compensation 

  • Competitive base hourly rate + unlimited commission 
  • Paid Time Off: 3 weeks vacation, 12 holidays, 8 sick days annually 
  • Health Coverage: Medical, dental, and vision (AAA covers up to 88%) 
  • Retirement: 401(k) with 6% company match 
  • Free AAA membership, insurance discounts, tuition reimbursement, and more 

 Apply today and start your insurance career with AAA Northeast! 

AAA Northeast is proud of our diverse culture, fostered by the many talents, skills, passions, and expertise of our employees. We are an equal opportunity employer. We do not discriminate in recruiting, hiring, or promotion based on race, color, creed or religion, national origin, sex, age, sexual orientation, veteran’s status, gender identity or expression, disability, genetic information, marital status, pregnancy, or membership in any other protected class. We thrive when our team members bring their whole selves to work.

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