ZipRecruiter

Log In

1

Independent Life Insurance Agent Jobs (NOW HIRING)

FCSU Financial

Be Seen First

Independent Life Insurance Agent

Cleveland, OH · Remote

$48K - $120K/yr

FCSU Financial Independent Life Insurance and Fixed Annuity Agent (1099) We are seeking licensed individuals to join our team as an Independent Life Insurance Agent in the Cleveland, Columbus, and ...

FCSU Financial

Be Seen First

Independent Life Insurance Agent

Columbus, OH · Remote

$48K - $120K/yr

FCSU Financial Independent Life Insurance and Fixed Annuity Agent (1099) We are seeking licensed individuals to join our team as an Independent Life Insurance Agent in the Cleveland, Columbus, and ...

FCSU Financial

Be Seen First

Independent Life Insurance Agent

Philadelphia, PA · Remote

$48K - $120K/yr

FCSU Financial Independent Life Insurance and Fixed Annuity Agent (1099) We are seeking licensed individuals to join our team as an Independent Life Insurance Agent in the Cleveland, Columbus, and ...

next page

Showing results 1-20

All JobsIndependent Life Insurance Agent Jobs

Independent Life Insurance Agent information

See salary details

$18K

$89K

$145K

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

As of Jun 24, 2026, the average yearly pay for independent life insurance agent in the United States is $88,968.00, according to ZipRecruiter salary data. Most workers in this role earn between $57,500.00 and $122,000.00 per year, depending on experience, location, and employer.

Do independent insurance agents make good money?

Independent life insurance agents can earn a wide range of income, often based on commissions from policies sold, with top performers earning six-figure incomes. Income potential depends on sales skills, client base, and the number of policies written, but many agents have the opportunity for flexible schedules and residual income from ongoing policy renewals.

What is the difference between Independent Life Insurance Agent vs Captive Life Insurance Agent?

AspectIndependent Life Insurance AgentCaptive Life Insurance Agent
CredentialsLicensing required; no specific certifications neededLicensing required; may need company-specific training
Work EnvironmentSelf-employed, flexible schedule, multiple carriersEmployed by a single insurance company, structured hours
Employer & Industry UsageIndependent, works with various insurersEmployed directly by one insurer
Sales ApproachOffers products from multiple companies, broader optionsPromotes only their company's products

In summary, Independent Life Insurance Agents operate independently, offering products from multiple insurers, providing flexibility and broader options. Captive Life Insurance Agents work exclusively for one insurer, with a structured environment focused on promoting their company's policies.

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

Independent life insurance agents often face challenges such as building a steady client base, managing multiple carrier relationships, and staying motivated without direct supervision. To overcome these hurdles, agents typically invest in networking, utilize referral programs, and participate in ongoing industry training to stay informed about product offerings. Additionally, leveraging digital marketing and CRM tools can help streamline lead generation and client management, making it easier to grow and sustain a successful practice.

What's the hardest insurance to sell?

For an independent life insurance agent, selling long-term care or disability insurance can be challenging due to low consumer awareness and perceived complexity. These policies often require detailed explanations and education to overcome customer hesitations. Success depends on strong communication skills and understanding client needs.

Can I get life insurance with lupus?

As an independent life insurance agent, you should know that individuals with lupus can qualify for life insurance, but approval and premiums depend on disease severity, treatment stability, and overall health. Insurers may require medical records and a detailed health assessment to determine insurability. Proper documentation and working with insurers experienced in chronic conditions can improve chances of approval.

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

To thrive as an Independent Life Insurance Agent, you need a thorough understanding of insurance products, sales strategies, and state licensing requirements. Familiarity with customer relationship management (CRM) software, online quoting tools, and insurance underwriting systems is typically required. Strong interpersonal skills, self-motivation, and effective communication are essential for building client trust and growing a book of business. These skills ensure agents can successfully match clients with suitable policies, navigate complex regulations, and maintain long-term client relationships.

What are independent life insurance agents?

Independent life insurance agents are professionals who sell life insurance policies from multiple insurance companies, rather than representing just one provider. This allows them to offer clients a wider range of policy options and help compare coverage and prices from different insurers. They act as intermediaries, using their expertise to recommend the best products for clients based on their needs, budget, and circumstances. Independent agents are typically paid through commissions from the insurance companies whose products they sell.

Can you be an independent life insurance agent?

Yes, an independent life insurance agent is a licensed professional who sells life insurance policies from multiple companies without being tied to a single insurer. They typically need to obtain a state license, complete training, and may work as self-employed or for an agency, offering flexibility in their schedule and product offerings.
More about Independent Life Insurance Agent jobs
What cities are hiring for Independent Life Insurance Agent jobs? Cities with the most Independent Life Insurance Agent job openings:
What states have the most Independent Life Insurance Agent jobs? States with the most job openings for Independent Life Insurance Agent jobs include:
Independent Life Insurance Agent jobs near you
Infographic showing various Independent Life Insurance Agent job openings in the United States as of June 2026, with employment types broken down into 2% As Needed, 26% Full Time, 51% Part Time, 20% Contract, and 1% Nights. Highlights an 91% Physical, 1% Hybrid, and 8% Remote job distribution, with an average salary of $88,968 per year, or $42.8 per hour.

Independent Life Insurance Agent

Pope Insurance Group (A Senior Life Insurance Company Agency)

Fort Worth, TX • On-site

Contractor

Posted 16 days ago

Job description

Life Insurance Agent - Independent (1099) Opportunity
Many life insurance professionals enter the industry without a clear understanding of what it means to operate as an independent agent.
This opportunity is designed for licensed life insurance agents who want to build their own business as independent contractors (1099) - not as employees.About the Role
Independent agents operate their own businesses. This means:
You control your schedule and production
You own your book of business
You choose how you market and generate leads
Earnings are commission-based, consistent with a 1099 model
Agencies that provide paid leads often do so in exchange for significantly reduced commission levels. Our model focuses on helping agents earn full commissions by building sustainable, long-term businesses.What We Provide
Ongoing professional training and coaching
Access to multiple competitive life insurance carriers and products
Best Commissions, Contracting, Underwriting, and Case support
Guidance based on 35+ years of industry experience
Systems designed to help agents grow and scale responsiblyWhat This Role Is Not
This is not a W-2 employee position
This role does not include a salary or hourly pay
Marketing and lead generation expenses are managed by the agentIdeal Candidates
This opportunity is a good fit for agents who:
Are currently licensed in Life and/or Health
Understand the responsibilities of a 1099 independent contractor
Are interested in building a long-term insurance business
Value training, mentorship, and support over employee-style compensation
Are motivated, professional, and coachableImportant Note
This role is intended for independent agents who want to operate as business owners. Candidates seeking employer-provided leads, wages, or employee benefits may be better suited to other opportunities.
Join our Live Webinar to Learn More
Click Here to Pre-Register
*Individual Results Will Vary*

Apply