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Independent Life Insurance Agent Jobs in Virginia

The Mires Agency

Life Insurance Sales Agent

Roanoke, VA · On-site +1

$30K - $160K/yr

As a Sales Agent, you will be responsible for selling life insurance policies to clients and ... Ability to work independently and as part of a team * Excellent organizational and time-management ...

Dinwiddie Agency

Life Insurance Sales Agent

Roanoke, VA · On-site +1

$30K - $160K/yr

S. who say they need life insurance or more of it. The opportunity is now and we need agents to ... Symmetry Financial Group (SFG) is the nation's leading independent IMO with access to a long list ...

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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 19, 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.

Specialty Insurance Agent (Life & Health)

Pope Insurance Group (A Senior Life Insurance Company Agency)

Newport News, VA • On-site, Remote

$50K - $295K/yr

Contractor

Medical, Life

This job post has expired 1 day ago. Applications are no longer accepted.

Job description

THIS POSITION REQUIRES A VALID LIFE & HEALTH INSURANCE PRODUCER LICENSE
Build Your Insurance Career Selling High-Demand Cancer Plans with Team Nexa
Work In-Person or Remotely
If you're a licensed life and health insurance agent looking to add cancer insurance plans to your portfolio-or to focus more heavily on supplemental health products-Team Nexa Insurance Solutions offers the support, carrier access, and flexibility to help you grow.
Cancer insurance remains one of the most in-demand supplemental products in today's market. Families want protection from the out-of-pocket costs associated with cancer diagnosis and treatment, and agents need strong carriers, clear training, and efficient sales systems to serve that need.
Team Nexa works with agents who want structure without restriction, guidance without micromanagement, and the ability to serve clients with meaningful health and supplemental solutions.
Whether you prefer field sales, telesales, or a hybrid approach, we provide the systems and training to support your preferred method of production.What Team Nexa Offers
Competitive commission structures aligned with performance
Low-cost lead programs with multiple options available, including options well-suited for cancer and supplemental health sales
Live product training and coaching, with a strong emphasis on cancer insurance and related supplemental plans
Field and telesales opportunities available, depending on agent preference and licensing
A collaborative, professional team culture focused on accountability and shared success
Access to leading carriers in the cancer insurance and supplemental health space, along with life insurance products from American Amicable, CICA Life, Mutual of Omaha, Gerber, United American, Royal Neighbors, Transamerica, and additional respected providers
This carrier diversity allows agents to confidently offer cancer plans, supplemental coverage, and life insurance solutions, helping families prepare for serious health events while building a flexible, diversified book of business.Who This Is a Good Fit For
Licensed Life & Health insurance agents
Agents interested in Cancer Insurance, Supplemental Health, and Life Products
Agents open to Field Sales, Telesales, or Both
Spanish-speaking agents are welcome and encouraged to apply
Professionals who value training, structure, and long-term growth
If you're looking for shortcuts or quick wins, this may not be the right fit. But if you're serious about building a sustainable insurance career selling high-demand cancer and supplemental products with strong carrier backing and team support, Team Nexa Insurance Solutions would like to connect.
👉 Click to Pre-Register for Our Live Question & Answer Session
No hype. No pressure. Just a professional opportunity built for licensed agents who want to grow.
We provide solutions that help agents serve families across cancer, supplemental health, and life insurance needs-nationwide.
STRONGER TOGETHER
#GOTEAMNEXA

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