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Independent Insurance Agent Jobs (NOW HIRING)

HealthMarkets, Inc.

Insurance Agent

North Las Vegas, NV · On-site

Becoming an independent insurance agent with HealthMarkets is an opportunity unlike any other. HealthMarkets offers agents the resources and support they need to grow their businesses and succeed in ...

HealthMarkets, Inc.

Insurance Agent

Clifton, NJ · On-site

Becoming an independent insurance agent with HealthMarkets is an opportunity unlike any other. HealthMarkets offers agents the resources and support they need to grow their businesses and succeed in ...

HealthMarkets, Inc.

Insurance Agent

Denver, CO · On-site

Becoming an independent insurance agent with HealthMarkets is an opportunity unlike any other. HealthMarkets offers agents the resources and support they need to grow their businesses and succeed in ...

HealthMarkets, Inc.

Insurance Agent

Spring Hill, FL

Becoming an independent insurance agent with HealthMarkets is an opportunity unlike any other. HealthMarkets offers agents the resources and support they need to grow their businesses and succeed in ...

HealthMarkets, Inc.

Insurance Agent

Louisville, KY · On-site

Becoming an independent insurance agent with HealthMarkets is an opportunity unlike any other. HealthMarkets offers agents the resources and support they need to grow their businesses and succeed in ...

HealthMarkets, Inc.

Insurance Agent

Westminster, MD · On-site

Becoming an independent insurance agent with HealthMarkets is an opportunity unlike any other. HealthMarkets offers agents the resources and support they need to grow their businesses and succeed in ...

HealthMarkets, Inc.

Insurance Agent

Duluth, MN · On-site

Becoming an independent insurance agent with HealthMarkets is an opportunity unlike any other. HealthMarkets offers agents the resources and support they need to grow their businesses and succeed in ...

HealthMarkets, Inc.

Insurance Agent

Chicago, IL · On-site

Becoming an independent insurance agent with HealthMarkets is an opportunity unlike any other. HealthMarkets offers agents the resources and support they need to grow their businesses and succeed in ...

HealthMarkets, Inc.

Insurance Agent

Portland, ME · On-site

Becoming an independent insurance agent with HealthMarkets is an opportunity unlike any other. HealthMarkets offers agents the resources and support they need to grow their businesses and succeed in ...

HealthMarkets, Inc.

Insurance Agent

Little Rock, AR · On-site

Becoming an independent insurance agent with HealthMarkets is an opportunity unlike any other. HealthMarkets offers agents the resources and support they need to grow their businesses and succeed in ...

HealthMarkets, Inc.

Insurance Agent

Grand Haven, MI · On-site

Becoming an independent insurance agent with HealthMarkets is an opportunity unlike any other. HealthMarkets offers agents the resources and support they need to grow their businesses and succeed in ...

HealthMarkets, Inc.

Insurance Agent

Hartford, CT · On-site

Becoming an independent insurance agent with HealthMarkets is an opportunity unlike any other. HealthMarkets offers agents the resources and support they need to grow their businesses and succeed in ...

HealthMarkets, Inc.

Insurance Agent

Plano, TX · On-site

Becoming an independent insurance agent with HealthMarkets is an opportunity unlike any other. HealthMarkets offers agents the resources and support they need to grow their businesses and succeed in ...

HealthMarkets, Inc.

Insurance Agent

Brunswick, ME · On-site

Becoming an independent insurance agent with HealthMarkets is an opportunity unlike any other. HealthMarkets offers agents the resources and support they need to grow their businesses and succeed in ...

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All JobsIndependent Insurance Agent Jobs

Independent Insurance Agent information

See salary details

$25K

$65K

$121.5K

How much do independent insurance agent jobs pay per year?

As of Jul 2, 2026, the average yearly pay for independent insurance agent in the United States is $65,022.00, according to ZipRecruiter salary data. Most workers in this role earn between $44,500.00 and $77,000.00 per year, depending on experience, location, and employer.

Can I work as an independent insurance agent?

Yes, an independent insurance agent can work by selling insurance policies from multiple companies, often operating independently or as part of an agency. They typically need a state license, strong sales skills, and knowledge of insurance products. The role offers flexibility in schedule and requires ongoing training to stay current with industry regulations.

Do independent insurance agents make good money?

Independent insurance agents can earn a wide range of income, often based on commissions from policies sold, with top performers earning six-figure incomes. Income depends on factors such as experience, sales skills, client base, and the types of insurance products offered. Many agents also need strong networking and marketing skills to succeed in this role.

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

AspectIndependent Insurance AgentInsurance Broker
CredentialsMay hold state-specific licenses, often multipleLicensed to sell insurance, often holds similar licenses
Work EnvironmentWorks independently or with multiple insurance companiesActs as an intermediary between clients and multiple insurers
Employer & Industry UsageOperates independently or for agencies, representing insurersWorks for clients, representing multiple insurance providers

Both roles require licensing and involve selling insurance policies. An Independent Insurance Agent typically works directly with clients and may represent multiple insurers, offering personalized options. An Insurance Broker also works with clients but acts as a middleman, helping clients find the best coverage across various insurers. While their functions overlap, the key difference lies in their client relationship and representation approach.

Why do most insurance agents quit?

Most insurance agents quit due to challenges in building a steady client base, high competition, and the pressure of meeting sales targets. The job often involves irregular income, ongoing licensing requirements, and the need for strong interpersonal skills, which can lead to burnout and turnover.

What type of insurance agents get paid the most?

In the insurance industry, independent insurance agents who specialize in high-value or complex policies, such as commercial or specialty insurance, tend to earn higher commissions and income. Agents with advanced certifications, strong client networks, and experience in niche markets often achieve higher earnings compared to those selling standard policies.

What are independent insurance agents?

Independent insurance agents are licensed professionals who sell insurance policies from multiple insurance companies, rather than being tied to just one provider. This allows them to offer clients a wider range of coverage options and find policies that best meet their needs and budgets. Independent agents act as intermediaries, helping clients compare rates, understand policy terms, and manage claims. They are typically paid by commissions from the insurance companies whose products they sell.

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

To thrive as an Independent Insurance Agent, you need a solid understanding of insurance products, sales strategies, and relevant state licensing. Familiarity with customer relationship management (CRM) software, quoting platforms, and policy management systems is typically required. Exceptional interpersonal skills, self-motivation, and resilience help agents build lasting client relationships and navigate a competitive market. These skills and qualifications are essential for providing tailored insurance solutions, achieving sales targets, and maintaining a strong client base.

What are some common challenges faced by Independent Insurance Agents, and how can they be addressed?

Independent Insurance Agents often face challenges such as building a client base from scratch, managing multiple carrier relationships, and staying updated on changing insurance regulations. To overcome these obstacles, agents typically focus on networking, continuous education, and leveraging customer relationship management (CRM) tools to stay organized. Joining professional associations and attending industry events can also help agents expand their network and gain valuable insights to grow their business.
More about Independent Insurance Agent jobs
What cities are hiring for Independent Insurance Agent jobs? Cities with the most Independent Insurance Agent job openings:
What states have the most Independent Insurance Agent jobs? States with the most job openings for Independent Insurance Agent jobs include:
What job categories do people searching Independent Insurance Agent jobs look for? The top searched job categories for Independent Insurance Agent jobs are:
Independent Insurance Agent jobs near you
Infographic showing various Independent Insurance Agent job openings in the United States as of June 2026, with employment types broken down into 100% Full Time. Highlights an 33% In-person, and 67% Remote job distribution, with an average salary of $65,022 per year, or $31.3 per hour.
Independent Insurance Agent

Independent Insurance Agent

Lifetime Insurance Services, Inc.

Shelby, MI • On-site

$65K - $92K/yr

Contractor

Posted 27 days ago

Job description

Benefits:
  • Bonus based on performance
  • Company parties
  • Employee discounts
  • Flexible schedule
  • Opportunity for advancement
  • Training & development

Independent Insurance Agent (Commission Only)(First Year Minimum Base Salary)
Shelby Township, MI | Hybrid / Remote Flexibility
Lifetime Insurance Services
Build Your Own Book. Control Your Income. Grow With a Winning Team
Lifetime Insurance Services is a fast-growing, independent insurance agency based in Shelby Township, MI. We're looking for motivated, entrepreneurial individuals who want to build and manage their own book of business-not just work a job.
If you're driven, competitive, and want unlimited income potential with the support of a proven system, this is your opportunity.
Why Commission-Only Can Be Your Biggest Advantage
  • Unlimited income potential - no caps, no ceilings
  • Paid based on performance, not time
  • Residual income that grows year after year
  • Full control over your success and schedule
  • Build a long-term asset (your book of business)
  • Entrepreneurship without starting from scratch

What You'll Do
  • Build and manage your own book of insurance clients
  • Quote and sell Auto, Home, Renters, Condo, Business, Life & more
  • Develop referral partners and networking channels
  • Deliver a high-level client experience focused on education and trust
  • Manage renewals and retention for long-term income growth

Compensation Structure
We offer one of the most competitive commission structures in the industry:
For Your Own Leads / Book of Business
  • 75% New Business Commission
  • 50% Renewal Commission

For Agency-Provided Leads
  • 70% New Business Commission
  • 30% Renewal Commission

Your book is your clients. Your effort directly drives your income.
First year minimum base compensation/commission (whichever is higher)
Tools & Support to Help You Succeed
We don't just hand you a contract-we give you a system:
  • Access to 20+ top-rated insurance carriers
  • Advanced quoting and automation systems
  • Proven sales processes and training
  • CRM and pipeline management tools
  • Marketing support and lead generation strategies
  • Back-end support team to help service policies
  • Ongoing coaching and mentorship

Why Lifetime Insurance Services?
We're not your typical agency.
  • Independent agency advantage - we shop multiple carriers to win for clients
  • Tech-forward approach - faster quoting, better client experience
  • "Heart of a teacher" mindset - we educate, not pressure
  • Strong reputation & high retention client base
  • Growth-focused environment - opportunities to scale your income and role
  • Supportive team culture - we want you to win long-term
  • Local office presence + remote flexibility

Independent vs. Captive Agent (Why This Matters)
At Lifetime Insurance Services, you're not limited:
❌ Captive Agent Limitations
  • One company = limited pricing/options
  • Harder to compete on rates
  • Less flexibility for clients
  • Income tied to one carrier

Independent Agent Advantage
  • Access to multiple carriers = better options for clients
  • Higher close rates and retention
  • Ability to truly act in the client's best interest
  • More control over your business and income

Who This Is Perfect For
  • Licensed insurance agents (or willing to get licensed)
  • Captive agents looking for more freedom and better compensation
  • Sales professionals wanting uncapped income
  • Entrepreneurs ready to build something long-term
  • Highly motivated, self-driven individuals

What Success Looks Like
  • Build a growing book of business that pays you every year
  • Develop strong referral pipelines
  • Create long-term financial freedom through residual income
  • Become a trusted advisor in your community

Ready to Take Control of Your Career?
If you're tired of income caps, limited options, and working someone else's system-this is your chance to build something of your own with the support of a proven agency.
Apply today and start building your future with Lifetime Insurance Services.
Flexible work from home options available.
Compensation: $65,000.00 - $92,500.00 per year
Lifetime Insurance Services, Inc
Lifetime Insurance Services is an independent insurance agency specializing in auto, home, life, and business insurance. We represent multiple companies and we will impartially shop the competition to find our customers the lowest rate without sacrificing coverage.
We are a team made up of professionals who enjoy helping people out and don't take ourselves too seriously. Let's face it....insurance is not the most exciting topic but it's something that everyone needs. We pride ourselves on providing a wealth of knowledge, great customer service and great rates all while having fun!
Company Website:

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