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Home Based Unlicensed Insurance Agent Jobs in Rochester, MI

TrueChoice

Licensed Life Insurance Agent

Bloomfield Hills, MI · Remote

$100K - $120K/yr

Training & development Remote Life Insurance Agent (Inbound Client Support) About the Opportunity ... Earnings are based on issued and paid policies * Most agents earn approximately $150$300 per policy ...

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GENERAL RV CENTER

Insurance Agent (P&C)

Wixom, MI

Our Insurance Advisors provide clients with RV, home, auto, renters, and other liability coverages ... You'll build strong, trust based relationships with our internal and external clients. * Utilize ...

Lincoln Behavioral Services

Home Based Therapist

Redford, MI · On-site

$50K - $62K/yr

Medical, dental, and vision insurance with minimal cost to employee * Teladoc (immediate non ... The Home Based therapist will provide intensive home and community based services to children and ...

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All JobsHome Based Unlicensed Insurance Agent JobsHome Based Unlicensed Insurance Agent Jobs in Rochester, MI

Home Based Unlicensed Insurance Agent information

See Rochester, MI salary details

$23K

$59.8K

$111.8K

How much do home based unlicensed insurance agent jobs pay per year?

As of Jul 3, 2026, the average yearly pay for home based unlicensed insurance agent in Rochester, MI is $59,849.00, according to ZipRecruiter salary data. Most workers in this role earn between $41,000.00 and $70,900.00 per year, depending on experience, location, and employer.

What is the difference between Home Based Unlicensed Insurance Agent vs Home Based Licensed Insurance Agent?

AspectHome Based Unlicensed Insurance AgentHome Based Licensed Insurance Agent
CredentialsNo licensing requiredRequires state licensing and certifications
Work EnvironmentRemote, flexible, often independentRemote or office-based, client meetings may be in person
Employer & Industry UsageInsurance agencies, brokers, or independent agentsInsurance companies, agencies, brokers
Job FunctionsAssist with policy research, lead generation, administrative tasksSell policies, provide advice, handle claims

In summary, a Home Based Unlicensed Insurance Agent typically performs administrative and support tasks without licensing, while a Home Based Licensed Insurance Agent is authorized to sell policies and provide insurance advice. Licensing enables the latter to directly engage in sales and client consultations.

What are the key skills and qualifications needed to thrive as a Home Based Unlicensed Insurance Agent, and why are they important?

To excel as a Home Based Unlicensed Insurance Agent, you need strong sales acumen, customer service skills, and a solid understanding of insurance products, though formal licensing is not required for lead generation or administrative support roles. Familiarity with CRM software, online communication platforms, and insurance quoting tools is beneficial. Outstanding interpersonal skills, self-motivation, and effective time management are essential for building trust and managing a remote workload. These competencies are important for driving client engagement and meeting sales or support targets in a remote, regulated industry.

What is a Home Based Unlicensed Insurance Agent?

A Home Based Unlicensed Insurance Agent is someone who works remotely, typically from their own home, to assist licensed insurance agents or agencies with tasks that do not require an insurance license. These tasks can include administrative support, appointment setting, customer service, data entry, and providing general information about insurance products (without advising on coverage or selling policies). Unlicensed agents are not permitted to discuss specific insurance policies, provide coverage recommendations, or complete sales, as those activities require a valid insurance license. Their role is primarily to support the sales process and assist licensed agents in managing their workload.

Why do so many insurance agents quit?

Home-based unlicensed insurance agents often leave the profession due to inconsistent income, high competition, and the need for ongoing training and licensing. The job requires self-motivation, strong sales skills, and the ability to build a client base, which can be challenging without prior experience or support.

Can you be a licensed insurance agent from home?

A home-based unlicensed insurance agent can sell insurance products but cannot legally provide licensed advice or bind coverage without obtaining the necessary license. Licensing requirements vary by state and typically involve passing exams and completing training, after which agents can work remotely using digital tools and communication platforms.

What are some common challenges faced by home based unlicensed insurance agents, and how can they overcome them?

Home based unlicensed insurance agents often face challenges such as limited access to direct mentorship, staying motivated without in-person supervision, and managing time effectively. They may also encounter difficulties in building client trust without a physical office. To overcome these challenges, agents can leverage virtual training resources provided by their agency, set clear daily and weekly goals, participate in online networking forums, and maintain regular communication with their supervising licensed agent. Being proactive in seeking feedback and staying up to date on industry regulations is also essential for long-term success.

What can a non-licensed insurance agent do?

A non-licensed insurance agent can assist with administrative tasks, customer service, and sales support under the supervision of a licensed agent. They cannot sell, negotiate, or provide insurance advice or bind coverage until they obtain the necessary license and complete required training.

What type of insurance agents get paid the most?

In the insurance industry, highly paid agents often specialize in commercial or high-net-worth client policies, such as those for businesses or affluent individuals. Agents with advanced licenses, strong sales skills, and the ability to sell complex or high-value policies tend to earn higher commissions and income. Home-based unlicensed insurance agents typically earn less unless they develop specialized knowledge or transition into licensed roles with commission-based pay structures.
What job categories do people searching Home Based Unlicensed Insurance Agent jobs in Rochester, MI look for? The top searched job categories for Home Based Unlicensed Insurance Agent jobs in Rochester, MI are:
What cities near Rochester, MI are hiring for Home Based Unlicensed Insurance Agent jobs? Cities near Rochester, MI with the most Home Based Unlicensed Insurance Agent job openings:
Home Based Unlicensed Insurance Agent jobs near you
Infographic showing various Home Based Unlicensed Insurance Agent job openings in Rochester, MI as of June 2026, with employment types broken down into 1% As Needed, 85% Full Time, 13% Part Time, and 1% Contract. Highlights an 92% Physical, 1% Hybrid, and 7% Remote job distribution, with an average salary of $59,849 per year, or $28.8 per hour.

Licensed Life Insurance Agent

TrueChoice

Bloomfield Hills, MI • Remote

$100K - $120K/yr

Full-time

Life

Posted 17 days ago

Be an early applicant

Job description

Benefits:
  • Standard Business Hours, No Weekends
  • Competitive salary
  • Training & development

Remote Life Insurance Agent (Inbound Client Support)

About the Opportunity
True Choice Coverage is a national insurance agency supporting individuals across the U.S. in securing life insurance coverage through highly rated carriers. This role is designed for experienced agents who prefer working with individuals already exploring their options, within a structured and steady workflow.
Who This Role Is Best Suited For
This opportunity is ideal for agents who are actively licensed across multiple states and are comfortable working with a broader, nationwide client base.
What Youll Be Doing

  • Connect with individuals who have requested information about life insurance
  • Provide clear, compliant guidance on available coverage options
  • Assist clients through the application and decision process
  • Deliver a professional, supportive client experience from first conversation through placement
Product Focus

  • Final Expense
  • Term Life
  • Whole Life
Compensation Overview

  • Independent contractor (1099) position
  • Earnings are based on issued and paid policies
  • Most agents earn approximately $150$300 per policy, depending on product type
  • Commission structure is tied to monthly premium and product category
  • Weekly payments following receipt of funds from the carrier
  • Transparent chargeback guidelines
This is a commission-based role. Earnings will vary based on activity level, experience, and performance. There is no base salary or guaranteed income.

Work Environment & Support

  • 100% remote
  • Consistent flow of incoming client interest
  • Streamlined product offerings to support faster ramp-up
  • Ongoing training and team support
  • Standard weekday schedule
Qualifications

  • Active Life Insurance License
  • Multi-state licensing required (agents licensed in approximately 25+ states are strongly preferred)
  • Strong communication skills and attention to detail
  • Comfortable working independently in a remote environment
Application Process
Submit your application through the platform. After an initial review, selected candidates will receive next-step instructions, which include completing a brief voicemail introduction.

This is a remote position.