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Independent Contractor Life Insurance Agent Jobs in Kentucky

... 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 ...

$55 - $100/hr

Insurance Agents operate as independent contractors, representing American Family and its products ... Obtain Property and Casualty and Life insurance licenses. * Ability to pass a motor vehicle ...

New

$60 - $120/hr

Insurance Agents operate as independent contractors, representing American Family and its products ... Obtain Property and Casualty and Life insurance licenses * Ability to pass a motor vehicle ...

Remote Insurance Representative | Flexible Schedule | Commission-Based This position offers flexible work hours and clear paths for advancement into leadership and management. You will work remotely ...

Remote Insurance Representative | Flexible Schedule | Commission-Based This position offers flexible work hours and clear paths for advancement into leadership and management. You will work remotely ...

$60 - $140/hr

Insurance Agents operate as independent contractors, representing American Family and its products ... Obtain Property and Casualty and Life insurance licenses * Ability to pass a motor vehicle ...

Remote Insurance Agent

Lexington, KY · Remote

$60K - $110K/yr

Valid life insurance license (or willing to obtain - licensing guidance provided) * Strong ... Background in remote or independent contracting roles * Leadership or team-building experience ...

Life Insurance Sales Agent

Lexington, KY · On-site +1

$30K - $160K/yr

Take control of your future and launch your agent career today. Unsure of joining the insurance ... 1099 contractor; commissions only * Part-Time Uncapped Potential: estimated $30,000-$60,000 ...

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Independent Contractor Life Insurance Agent information

See Kentucky salary details

$15.6K

$77.3K

$125.9K

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

As of Sep 6, 2026, the average yearly pay for independent contractor life insurance agent in Kentucky is $77,271.00, according to ZipRecruiter salary data. Most workers in this role earn between $49,900.00 and $106,000.00 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?

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 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 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 the most commonly searched types of Life Insurance Agent jobs in Kentucky?

The most popular types of Life Insurance Agent jobs in Kentucky are:

What cities in Kentucky are hiring for Independent Contractor Life Insurance Agent jobs?

Cities in Kentucky with the most Independent Contractor Life Insurance Agent job openings:

Other

Posted 3 days ago

New


Job description

Company Description

Golden Years is a group of independent agents specializing in Health and Life insurance policies, working remote all over the US. Golden Years is proudly contracted with over 25 carriers to help agents meet needs of their clients. Our goal is to help individuals and families secure their future with comprehensive insurance options.


Role Description

This is a full-time role for a Life Insurance Agents, with opportunities for remote work. The Life Insurance Agent will be responsible for selling insurance policies, assisting clients in assessing their insurance needs, and developing tailored coverage solutions. Day-to-day tasks include conducting client consultations, explaining policy details, addressing inquiries, and collaborating with the brokerage team to provide top-tier customer service. The role also involves maintaining industry knowledge and staying up-to-date with policy updates and financial trends.


Qualifications

  • Experience in Life Insurance sales and understanding of Insurance products and solutions
  • Strong Customer Service skills
  • Basic knowledge of Life Insurance options, with the ability to guide clients on making informed decisions
  • Result-driven mindset
  • Ability to work both independently and collaboratively in a zoom environment
  • Relevant state licensing for insurance sales (or willingness to obtain)
  • Prior experience in the insurance or financial services industry is a plus