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Independent Contractor Life Insurance Agent Jobs in Rhode Island

Gibbons Group

Remote Position

Warwick, RI · On-site

This is a revolutionary type of life insurance that offers access to death benefits without having to die. What's in it for you? * This is a 100% commission-based business so there is NO CAP on your ...

Gibbons Group

Remote Position

Warwick, RI · On-site +1

This is a revolutionary type of life insurance that offers access to death benefits without having to die. What's in it for you? * This is a 100% commission-based business so there is NO CAP on your ...

Comparion Insurance Agency

$32K - $100K/yr

Sell auto, home, life, and related insurance products using a consultative, needs-based approach. * Build and maintain a book of business through referrals, networking, and community engagement as ...

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All JobsIndependent Contractor Life Insurance Agent JobsIndependent Contractor Life Insurance Agent Jobs in Rhode Island

Independent Contractor Life Insurance Agent information

See Rhode Island salary details

$17.6K

$87.1K

$142K

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 Rhode Island is $87,128.00, according to ZipRecruiter salary data. Most workers in this role earn between $56,300.00 and $119,500.00 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 Rhode Island?

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

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

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

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

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

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

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

Independent Contractor Life Insurance Agent jobs near you

Inbound Insurance Sales Agent (Personal Lines or P&C License)

RemX

Warwick, RI • On-site

$43K/yr (+ commission)

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 21 days ago

Key responsibilities

  • Assist inbound callers seeking personal lines insurance solutions.

  • Evaluate customer needs and provide customized Property & Casualty insurance quotes.

  • Close sales and bind policies while delivering an exceptional customer experience.

Job description

Warwick, RI | Hybrid (Onsite Mon-Wed) | Uncapped Earnings Potential


Are you a licensed Property & Casualty or Personal Lines Insurance Agent who thrives in a sales-driven environment? If you're passionate about helping customers protect what matters most while maximizing your earning potential, this opportunity is for you.


Partner with our reputable client as an Inbound Insurance Sales Agent, where you'll work with warm inbound leads, provide tailored insurance solutions, and build lasting customer relationships. Every call is an opportunity to leverage your insurance expertise, close business, and advance your career in a growing organization.


Why Insurance Professionals Choose This Opportunity

  • Warm inbound sales opportunities with no cold calling
  • Uncapped commission and bonus potential
  • Hybrid work schedule
  • Licensing support for qualified candidates
  • Clear career path within the insurance industry
  • Competitive benefits package and retirement savings options


What You'll Do

  • Assist inbound callers seeking personal lines insurance solutions
  • Evaluate customer needs and provide customized Property & Casualty insurance quotes
  • Explain coverage options, policy features, and protection recommendations with confidence
  • Close sales and bind policies while delivering an exceptional customer experience
  • Identify cross-sell and upsell opportunities across personal lines products
  • Build trust-based relationships that drive customer retention and satisfaction
  • Efficiently navigate multiple systems to manage quotes, policies, and customer information


Compensation & Schedule

Starting Base Salary: $43,000+ annually (based on experience)


Training Schedule

  • Monday-Friday, 8:30 AM-5:00 PM EST


Post-Training Schedule

  • Monday-Friday, assigned shift between 8:00 AM-6:00 PM EST
  • Rotating Saturdays, 8:00 AM-5:30 PM EST


Location

  • Hybrid role based in Warwick, RI
  • Onsite Monday-Wednesday


Benefits

  • Uncapped commissions and performance bonuses
  • 401(k) with company benefits
  • Medical, Dental, and Vision Insurance
  • HSA and FSA options
  • Life Insurance
  • Paid Time Off
  • Parental Leave
  • Tuition Assistance
  • Career advancement opportunities


What You Bring

  • Active Property & Casualty or Personal Lines license required
  • Experience selling Personal Lines insurance, Property & Casualty products, or related insurance services strongly preferred
  • At least 1 year of sales experience with a track record of meeting or exceeding goals
  • Strong communication, consultative selling, and relationship-building skills
  • Ability to thrive in a fast-paced, performance-driven environment
  • Motivation to build a long-term career in insurance sales


If you're a driven insurance professional looking for inbound opportunities, uncapped earnings, and a company that invests in your growth, we'd love to hear from you.

Company Description

The professional staffing division of EmployBridge, America's Leading Workforce Specialist:
When our Talent is looking for their next opportunity, we know they are not just looking for their next paycheck. Our Recruiters are experts in their specialized fields and understand that making the right match between the candidate and the company, is the key to long term success.

We are an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, and other legally protected characteristics.

RemX logo

About RemX

Sourced by ZipRecruiter

RemX is a proven leader in the Contract to Hire job industry. We help place the right people in the right jobs. Let us help you today!

Industry

Recruiting and staffing services

Company size

501 - 1,000 Employees

Headquarters location

Atlanta, GA, US

Social media

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