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Independent Life Insurance Agent Jobs in Virginia

Alchemy Financial Group

Life Insurance Agent

Norfolk, VA · On-site

$75K - $105K/yr

Sales Rep - Entry Level About the Insurance Sales Rep position: We are looking for a competitive Insurance Sales Representative to help us expand hour business by actively seeking and acquiring new ...

Alchemy Financial Group

Life Insurance Agent

Norfolk, VA

$75K - $105K/yr

Sales Rep - Entry Level About the Insurance Sales Rep position: We are looking for a competitive Insurance Sales Representative to help us expand hour business by actively seeking and acquiring new ...

GIA Legacy Planning

An independent opportunity for driven, self-motivated people ready to build something of their own ... Department Licensed Life Insurance Agent Locations Hampton, VA Remote status Fully Remote

GIA Legacy Planning

An independent opportunity for driven, self-motivated people ready to build something of their own ... Department Licensed Life Insurance Agent Locations Hampton, VA Remote status Fully Remote

Woodmen Life

Be Seen First

Life Insurance Financial Services Agent

Midlothian, VA · On-site

Join our growing team as a Life Insurance Agent, full-time, with benefits, and make a real ... The successful candidate will be an independent worker with ability to work remotely, serving ...

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Showing results 1-20

All JobsIndependent Life Insurance Agent JobsIndependent Life Insurance Agent Jobs in Virginia

Independent Life Insurance Agent information

See Virginia salary details

$17.8K

$88.2K

$143.8K

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

As of Aug 31, 2026, the average yearly pay for independent life insurance agent in Virginia is $88,205.00, according to ZipRecruiter salary data. Most workers in this role earn between $57,000.00 and $121,000.00 per year, depending on experience, location, and employer.

What is an independent life insurance agent?

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.

What are the key skills and qualifications needed to thrive as an independent life insurance agent?

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 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 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.

Do independent life insurance agents make good money?

Independent life insurance agents can earn a wide range of income depending on their sales performance, commission rates, and client base. Successful agents often earn a substantial income through commissions on policies sold, but income variability is common due to market conditions and individual effort. Building skills in sales, product knowledge, and client relationships is essential for higher earnings in this role.

Why do most independent life insurance agents quit?

Many independent life insurance agents quit due to challenges in building a steady client base, high competition, and inconsistent income. Success often requires strong sales skills, self-motivation, and ongoing networking, which can be difficult to sustain over time.

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

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

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

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

Independent Life Insurance Agent jobs near you
Infographic showing various Independent Life Insurance Agent job openings in Virginia as of August 2026, with employment types broken down into 1% As Needed, 68% Full Time, 27% Part Time, and 4% Contract. Highlights an 89% Physical, 1% Hybrid, and 10% Remote job distribution, with an average salary of $88,205 per year, or $42.4 per hour.

Life Insurance Agent Trainee

Gibbons Group

Chesapeake, VA • On-site

Other

Life, Retirement

Posted 3 days ago

New

Job description

Life Insurance Agent Trainee | Remote | Full Training + Licensing Support

Performance-Based | Daily Pay | Proven System

Candidates Must Reside in the U.S.


Start a New Career in Life Insurance — No Experience Required

If you're looking for a new career path and are motivated to learn, this opportunity provides full training, licensing support, and a structured system to help you get started in the life insurance industry.


At The Gibbons Group, we help individuals and families protect what matters most through Life Insurance, Living Benefits, Mortgage Protection, and Retirement Solutions.


You do not need prior experience in insurance or sales to begin. We provide the tools, training, and mentorship needed to help you become licensed and build a successful career.


WHY PEOPLE START HERE

This opportunity is designed for individuals who are looking to start a new career path in the life insurance industry with full support and structured guidance.


Whether you're changing careers or entering the workforce in a new direction, we provide a step-by-step system to help you get licensed, trained, and prepared to work with real clients.


You will not be expected to figure things out alone — we provide training, mentorship, and tools to help you build confidence and develop professionally as you grow into the role.


WHAT YOU’LL DO

  • Learn how to communicate with clients about life insurance and financial protection
  • Participate in training and coaching to develop industry knowledge and sales skills
  • Work with provided systems and tools to connect with prospective clients
  • Assist in helping individuals understand available coverage options
  • Follow a structured process to complete licensing requirements (if not already licensed)
  • Build confidence through hands-on learning and mentorship
  • Develop the skills needed to grow into a licensed life insurance agent role


WHO WE’RE LOOKING FOR

  • Motivated individuals who are ready to start a new career path
  • Strong communication and people skills
  • Willingness to learn, be coached, and follow a proven system
  • Self-disciplined and able to work independently in a remote environment
  • Interested in helping families protect their financial future
  • No prior insurance experience required
  • Must be willing to obtain a life insurance license if not already licensed
  • Must reside in the United States


OUR CORE VALUES

Integrity – We do the right thing and put clients first in every interaction.

Family – We believe in supporting people and helping them build something meaningful for their future.

Service – We focus on helping individuals and families find real solutions that meet their needs.

Respect – We communicate professionally and treat everyone with dignity and fairness.

Partnership – We believe success comes through teamwork, support, and shared growth.


WHY THE GIBBONS GROUP

We are committed to helping individuals build meaningful careers in the life insurance industry through training, mentorship, and structured systems designed for long-term success.

Our focus is on helping families protect what matters most while giving our team the opportunity to grow professionally in a supportive and performance-based environment.

You will never be expected to build your career alone — we provide guidance, tools, and support every step of the way.


COMPENSATION & BUSINESS STRUCTURE

This is a 1099 Independent Contractor opportunity.

  • Performance-based compensation with uncapped earning potential
  • Commission-based structure tied to production
  • Training and onboarding support provided
  • Growth potential based on performance and development


As an independent contractor, you will have the flexibility to grow at your own pace while building your skills and licensing in the life insurance industry.


If you are ready to start a new career path and learn a valuable skill set, we encourage you to apply.

Apply