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Independent Life Insurance Agent Jobs in Virginia

Williams Insurance Group

Life Insurance Agent

Richmond, VA · Remote

$75K - $100K/yr

Comfortable working independently in a remote environment * Organized and reasonably comfortable ... Must be willing to obtain a life insurance license if not already licensed * Must be willing to ...

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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 3, 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 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 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 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 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 July 2026, with employment types broken down into 93% Full Time, 4% Part Time, and 3% Contract. Highlights an 91% Physical, 1% Hybrid, and 8% Remote job distribution, with an average salary of $88,205 per year, or $42.4 per hour.

Independent Life Insurance Agent

O'Brien Life Agency

Richmond, VA • On-site, Remote

$45K - $65K/yr

Full-time, Part-time, Contractor

Posted 10 days ago

Job description

TODAY can be the day you take control of your life and your future.

TODAY can be the day you decide you’re ready to do more than merely get by.

TODAY can be the day you start building toward financial freedom, personal growth, and a career where your effort can directly impact your income.

TODAY can be the day you start working like an OWNER and ENTREPRENEUR.

TODAY can be the day you start a career in life insurance sales — one of the most stable and rewarding industries in the world.

Are you ready for a new start? If so… keep reading.

Job Description

We are looking to hire and train new Independent Life Insurance Agents.

This is a 1099 independent contractor, 100% commission sales position. There is no base salary. Your income is based on your activity, consistency, and ability to follow the training and sales process.

You must be coachable, adaptable, self-motivated, and eager to learn. This is not a get-rich-quick opportunity. It is a real sales career that takes effort, discipline, and a willingness to be trained.

You’ll work alongside experienced agents and top producers, giving you access to mentorship, proven systems, and support as you build your business.

You will work remotely from anywhere, part-time or full-time, with the ability to set your own schedule. As you grow your personal production and build your own agency, your income potential can grow as well.

You will be helping families with life insurance solutions after they have requested information or expressed interest in protecting their families. Our lead-based business gives agents access to people to contact, follow up with, and serve across the nation.

Because this is a highly regulated industry, you will need to become licensed. We will help guide you through that process. If you are already licensed, you may be able to onboard in a matter of days.

Income potential is uncapped, but results vary based on effort, skill, consistency, and time invested. We typically see part-time agents working 15–20 hours per week earning $3,000–$5,000 per month, and full-time agents working 35–45 hours per week earning $8,000–$15,000+ per month. Ownership opportunities are also possible.

Work Designation
  • 1099 independent contractor
  • Remote from anywhere
  • Part-time or full-time
Principal Duties & Responsibilities
  • Helping families with life insurance solutions after they have requested information or expressed interest in protecting their families
  • Contacting, following up with, and serving people across the nation
  • Building your personal production
  • Building your own agency
  • Following the training and sales process
Requirements
  • Coachable
  • Adaptable
  • Self-motivated
  • Eager to learn
  • Hungry
  • Positive
  • Ready to build something meaningful
Compensation
  • Income potential is uncapped
  • Part-time agents working 15–20 hours per week earning $3,000–$5,000 per month
  • Full-time agents working 35–45 hours per week earning $8,000–$15,000+ per month
  • Ownership opportunities are also possible
Core Values

As a part of our team, you will too:

  • Relationships matter. People come first.
  • Open, honest, and productive communication.
  • Relentless pursuit of personal growth.
  • We do the right thing even when no one is looking.
  • We work as a true team and strive to be a positive influence.
  • We act like owners because we own it.
  • Being of service and doing good in the world.
  • WE HAVE FUN AND GET STUFF DONE!

This opportunity is not for everyone. But if you are hungry, coachable, positive, and ready to build something meaningful, this could be the fresh start you’ve been looking for.

Whether you are already licensed or brand new to the industry, we are looking for people who are ready to learn, take action, and grow.

Apply today to learn more about becoming an Independent Life Insurance Agent.