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Independent Contractor Life Insurance Agent Jobs in Ontario

Jaymee MacKenzie - Desjardins Insurance Agent

CA$50K/yr

Life License (LLQP) (preferred/must be able to obtain) * Sales experience preferred * Successful ... These positions are with an independent contractor agent that is part of the Desjardins exclusive ...

Jaymee MacKenzie - Desjardins Insurance Agent

CA$50K/yr

Life License (LLQP) (preferred - must be able to obtain) * Sales experience preferred * Successful ... These positions are with an independent contractor agent that is part of the Desjardins exclusive ...

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

Independent Contractor Life Insurance Agent information

See Ontario salary details

$19.5K

$82.1K

$173.5K

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

As of Aug 26, 2026, the average yearly pay for independent contractor life insurance agent in Ontario is $82,114.00, according to ZipRecruiter salary data. Most workers in this role earn between $44,500.00 and $100,000.00 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 Ontario?

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

What are popular job titles related to Independent Contractor Life Insurance Agent jobs in Ontario?

For Independent Contractor Life Insurance Agent jobs in Ontario, the most frequently searched job titles are:

What job categories do people searching Independent Contractor Life Insurance Agent jobs in Ontario look for?

The top searched job categories for Independent Contractor Life Insurance Agent jobs in Ontario are:

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

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

Independent Contractor Life Insurance Agent jobs near you

Life Insurance Account Representative

Whitby, ON • On-site

Stephanie Gordon - Desjardins Insurance Agent
See more jobs at Stephanie Gordon - Desjardins Insurance Agentexternal

CA$50K - CA$200K/yr

Full-time, Contractor

PTO

Re-posted 9 days ago

Job description

Life Insurance Representative - Desjardins Agent Team Member
Location: Whitby, ON
Type: Full Time

Stephanie Gordon, Desjardins Insurance Agent is seeking a qualified professional to join her team as a Life Insurance Representative. We are looking for a motivated and client‑focused professional who is passionate about helping individuals and business owners protect what matters most. This role offers excellent income potential, growth opportunities, and a supportive team environment.

Please send a cover letter with your application for it to be considered.

Job Responsibilities:

  • Identify life insurance opportunities within the existing book of business
  • Procure and develop new leads through proactive outreach and referrals
  • Review, service, and explore existing life insurance policies for additional needs and opportunities
  • Conduct value‑based conversations to educate clients on life insurance solutions
  • Meet and exceed sales targets
  • Provide prompt, accurate, and professional customer service

Qualifications and Experience:

  • HLLQP / LLQP Life License required
  • OTL license preferred
  • Sales experience preferred
  • Strong communication and relationship‑building skills
  • Candidate must be:
    • Self‑motivated
    • Goal‑oriented
    • Proactive
    • Dependable
    • An effective problem solver
    • Comfortable working independently and within a team environment

Job Type:

  • Full‑time
  • In‑office: Monday to Friday, 9:00am to 5:00pm

Compensation & Benefits:

  • Base salary plus commission and bonus structure
  • Expected total compensation range: $50,000 to $200,000
  • Generous benefits package
  • Paid vacation
  • Limitless income opportunity
  • Growth and development opportunities within the office

These positions are with an independent contractor agent that is part of the Desjardins exclusive agent network, not with Desjardins Group or its subsidiaries. This agents’ employees are not employees of Desjardins. Independent contractor agents are responsible for and make all employment decisions regarding their employees.