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Independent Contractor Life Insurance Agent Jobs in Florida

HealthMarkets, Inc.

Insurance Agent

Spring Hill, FL

... 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 ...

HealthMarkets, Inc.

Insurance Agent

Jacksonville, FL

... 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 ...

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 ...

HealthMarkets, Inc.

Insurance Agent

Auburndale, FL

... 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 ...

HealthMarkets, Inc.

Insurance Agent

Sarasota, FL

... 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 ...

HealthMarkets, Inc.

Insurance Agent

Pensacola, FL

... 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 ...

HealthMarkets, Inc.

Insurance Agent

The Villages, FL · On-site

... 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 ...

HealthMarkets, Inc.

Insurance Agent

Ormond Beach, FL

... 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 ...

HealthMarkets, Inc.

Insurance Agent

Apopka, FL

... 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 ...

HealthMarkets, Inc.

Insurance Agent

Cape Coral, FL

... 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 ...

HealthMarkets, Inc.

Insurance Agent

Delray Beach, FL

... 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 ...

Kimbrell Agency

Life Insurance Agent

Pompano Beach, FL · Remote

$50K - $100K/yr

Contractor Compensation $50,000 to $100,000 per year (plus commission) If you're reading this and ... This role does require a Life and Health Insurance License, but don't worry--we'll help you obtain ...

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All JobsIndependent Contractor Life Insurance Agent JobsIndependent Contractor Life Insurance Agent Jobs in Florida

Independent Contractor Life Insurance Agent information

See Florida salary details

$13.5K

$66.5K

$108.4K

How much do independent contractor life insurance agent jobs pay per year?

As of Jul 30, 2026, the average yearly pay for independent contractor life insurance agent in Florida is $66,485.00, according to ZipRecruiter salary data. Most workers in this role earn between $43,000.00 and $91,200.00 per year, depending on experience, location, and employer.

What is an Independent Contractor Life Insurance Agent?

An Independent Contractor Life Insurance Agent is a licensed professional who sells life insurance policies on behalf of one or more insurance companies but works independently rather than as an employee. These agents typically operate their own businesses, set their own schedules, and earn commissions based on the policies they sell. They help clients assess their life insurance needs, compare different policies, and guide them through the application process. Independent agents can offer a wider range of policy options since they are not tied to a single insurer.

What are the key skills and qualifications needed to thrive as an Independent Contractor Life Insurance Agent, and why are they important?

To thrive as an Independent Contractor Life Insurance Agent, you need a solid understanding of insurance products, sales techniques, and typically must hold a state-issued life insurance license. Familiarity with customer relationship management (CRM) systems, quoting software, and digital marketing tools is highly beneficial. Exceptional interpersonal skills, self-motivation, and resilience help agents build trust and persist through sales challenges. These skills and qualities are crucial for effectively generating leads, closing sales, and maintaining long-term client relationships in a competitive industry.

What is the difference between Independent Contractor Life Insurance Agent vs Insurance Broker?

AspectIndependent Contractor Life Insurance AgentInsurance Broker
CredentialsLicenses in life insurance, state-specific certificationsSame as agents; licenses required
Work EnvironmentIndependent, often self-employed, working with multiple insurersIndependent or employed, representing multiple insurers
Employer & Industry UsageWorks independently or as part of an agency, selling life insurance productsActs as an intermediary, advising clients and selling policies from various insurers

Both roles require similar licenses and certifications, with the main difference being that independent contractors typically work independently or for agencies, focusing on selling life insurance directly, while insurance brokers act as intermediaries, advising clients and offering products from multiple insurers. Understanding these distinctions helps in choosing the right career path or job search focus.

What are some common challenges faced by independent contractor life insurance agents, and how can they be addressed?

Independent contractor life insurance agents often face challenges such as building a client base from scratch, managing inconsistent income, and staying current with industry regulations. To overcome these hurdles, agents can benefit from robust networking, ongoing professional development, and leveraging digital marketing strategies to reach potential clients. Additionally, joining reputable insurance agencies as an independent agent can provide access to training, lead generation resources, and mentorship, all of which can help smooth the path to success.
What are the most commonly searched types of Life Insurance Agent jobs in Florida? The most popular types of Life Insurance Agent jobs in Florida are:
What cities in Florida are hiring for Independent Contractor Life Insurance Agent jobs? Cities in Florida with the most Independent Contractor Life Insurance Agent job openings:
Independent Contractor Life Insurance Agent jobs near you
Infographic showing various Independent Contractor Life Insurance Agent job openings in Florida as of July 2026, with employment types broken down into 92% Full Time, and 8% Part Time. Highlights an 92% In-person, and 8% Remote job distribution, with an average salary of $66,485 per year, or $32 per hour.

Independent Life Insurance Agent

O'Brien Life Agency

Jacksonville, FL • On-site, Remote

$45K - $65K/yr

Full-time, Part-time, Contractor

Re-posted 13 days ago

Job description

TODAY can be the day you take control of your life and your future.

TODAY can be the day you decide you’re ready to do more than merely get by.

TODAY can be the day you start building toward financial freedom, personal growth, and a career where your effort can directly impact your income.

TODAY can be the day you start working like an OWNER and ENTREPRENEUR.

TODAY can be the day you start a career in life insurance sales — one of the most stable and rewarding industries in the world.

Are you ready for a new start? If so… keep reading.

Job Description

We are looking to hire and train new Independent Life Insurance Agents.

This is a 1099 independent contractor, 100% commission sales position. There is no base salary. Your income is based on your activity, consistency, and ability to follow the training and sales process.

You must be coachable, adaptable, self-motivated, and eager to learn. This is not a get-rich-quick opportunity. It is a real sales career that takes effort, discipline, and a willingness to be trained.

You’ll work alongside experienced agents and top producers, giving you access to mentorship, proven systems, and support as you build your business.

You will work remotely from anywhere, part-time or full-time, with the ability to set your own schedule. As you grow your personal production and build your own agency, your income potential can grow as well.

You will be helping families with life insurance solutions after they have requested information or expressed interest in protecting their families. Our lead-based business gives agents access to people to contact, follow up with, and serve across the nation.

Because this is a highly regulated industry, you will need to become licensed. We will help guide you through that process. If you are already licensed, you may be able to onboard in a matter of days.

Income potential is uncapped, but results vary based on effort, skill, consistency, and time invested. We typically see part-time agents working 15–20 hours per week earning $3,000–$5,000 per month, and full-time agents working 35–45 hours per week earning $8,000–$15,000+ per month. Ownership opportunities are also possible.

Work Designation
  • 1099 independent contractor
  • Remote from anywhere
  • Part-time or full-time
Principal Duties & Responsibilities
  • Helping families with life insurance solutions after they have requested information or expressed interest in protecting their families
  • Contacting, following up with, and serving people across the nation
  • Building your personal production
  • Building your own agency
  • Following the training and sales process
Requirements
  • Coachable
  • Adaptable
  • Self-motivated
  • Eager to learn
  • Hungry
  • Positive
  • Ready to build something meaningful
Compensation
  • Income potential is uncapped
  • Part-time agents working 15–20 hours per week earning $3,000–$5,000 per month
  • Full-time agents working 35–45 hours per week earning $8,000–$15,000+ per month
  • Ownership opportunities are also possible
Core Values

As a part of our team, you will too:

  • Relationships matter. People come first.
  • Open, honest, and productive communication.
  • Relentless pursuit of personal growth.
  • We do the right thing even when no one is looking.
  • We work as a true team and strive to be a positive influence.
  • We act like owners because we own it.
  • Being of service and doing good in the world.
  • WE HAVE FUN AND GET STUFF DONE!

This opportunity is not for everyone. But if you are hungry, coachable, positive, and ready to build something meaningful, this could be the fresh start you’ve been looking for.

Whether you are already licensed or brand new to the industry, we are looking for people who are ready to learn, take action, and grow.

Apply today to learn more about becoming an Independent Life Insurance Agent.