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Independent Life Insurance Broker Jobs (NOW HIRING)

Caryssa Panter

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Independent Life Insurance Broker

Scottsdale, AZ · Remote

$5.0K - $20K/mo

We are independent business owners and life insurance brokers partnered with an IMO, and we are expanding our team nationwide. We are looking for motivated individuals who want the opportunity to ...

Caryssa Panter

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Independent Life Insurance Broker

Scottsdale, AZ · Remote

$5.0K - $20K/mo

We are independent business owners and life insurance brokers partnered with an IMO, and we are expanding our team nationwide. We are looking for motivated individuals who want the opportunity to ...

Alchemy Financial Group

Life Insurance Broker

Durham, NC · On-site

$75K - $105K/yr

Life Insurance Broker- Commission Based We are looking for a competitive Insurance Sales Representative to help us expand our business by actively assisting senior citizens within their community.

Alchemy Financial Group

Life Insurance Broker

Cary, NC · On-site

$80K - $100K/yr

Life Insurance Broker- Commission Based We are looking for a competitive Insurance Sales Representative to help us expand our business by actively assisting senior citizens within their community.

Rise Financial

Life Insurance Broker

Plano, TX · On-site

$72K - $95K/yr

Selected candidates will enter our Broker Training Program, where they will receive hands-on ... life insurance, retirement, and financial protection strategies. • Develop strong sales ...

The Safavi Agency

Life Insurance Broker

Salt Lake City, UT · Remote

$73K - $96K/yr

Consistent with follow-up * Comfortable working independently * Driven to increase their income ... Position: Licensed Life Insurance Agent * Employment Type: 1099 Independent Contractor

Cowan Insurance Group LLC

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Life Insurance Broker

Dallas, TX · Remote

$77K - $102K/yr

The lead actually says "LIFE INSURANCE" and/or "Funeral Expense" on it. 2. Confirmed Telemarketer Leads: this is an exclusive lead; the telemarketer uses your name in the script and also confirms the ...

The Safavi Agency

Life Insurance Broker

Kirkland, WA · Remote

$86K - $113K/yr

Consistent with follow-up * Comfortable working independently * Driven to increase their income ... Position: Licensed Life Insurance Agent * Employment Type: 1099 Independent Contractor

The Safavi Agency

Life Insurance Broker

Seattle, WA · Remote

$86K - $113K/yr

Consistent with follow-up * Comfortable working independently * Driven to increase their income ... Position: Licensed Life Insurance Agent * Employment Type: 1099 Independent Contractor

TPG Latinos

Life Insurance Broker

$77K - $102K/yr

We are a growing life insurance agency seeking motivated independent agents across the United States. No prior experience is required-just discipline, the right attitude, and a drive to grow. We ...

The Safavi Agency

Life Insurance Broker

Bothell, WA · Remote

$85K - $111K/yr

Consistent with follow-up * Comfortable working independently * Driven to increase their income ... Position: Licensed Life Insurance Agent * Employment Type: 1099 Independent Contractor

Symmetry

Remote Life Insurance Broker

Gainesville, FL · Remote

$50K - $100K/yr

We are looking for Life Insurance Agents with an entrepreneural mindset, who want to be trained to become a manager and lead in select regions within the next ten months. Seeking agents who want to ...

Symmetry

Remote Life Insurance Broker

Duncanville, TX · Remote

$50K - $100K/yr

We are looking for Life Insurance Agents with an entrepreneural mindset, who want to be trained to become a manager and lead in select regions within the next ten months. Seeking agents who want to ...

Symmetry

Remote Life Insurance Broker

Pine Bluff, AR · Remote

$50K - $100K/yr

We are looking for Life Insurance Agents with an entrepreneural mindset, who want to be trained to become a manager and lead in select regions within the next ten months. Seeking agents who want to ...

Symmetry

Remote Life Insurance Broker

Gainesville, FL · On-site +1

$50K - $100K/yr

We are looking for Life Insurance Agents with an entrepreneural mindset, who want to be trained to become a manager and lead in select regions within the next ten months. Seeking agents who want to ...

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Independent Life Insurance Broker information

See salary details

$39K

$87.2K

$119K

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

As of Sep 9, 2026, the average yearly pay for independent life insurance broker in the United States is $87,223.00, according to ZipRecruiter salary data. Most workers in this role earn between $76,000.00 and $100,000.00 per year, depending on experience, location, and employer.

What is an independent life insurance broker?

An Independent Life Insurance Broker is a licensed professional who helps clients find and purchase life insurance policies from a variety of insurance companies, rather than being tied to just one provider. They assess clients' financial needs and goals, compare policy options across multiple insurers, and provide unbiased advice to ensure clients get the best coverage for their situation. Because they have access to many different insurance carriers, independent brokers can often find more competitive rates and policy features tailored to individual needs.

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

To thrive as an Independent Life Insurance Broker, you need a solid understanding of insurance products, sales acumen, and an active state insurance license. Familiarity with customer relationship management (CRM) systems, quoting software, and industry compliance tools is typically required. Outstanding interpersonal skills, self-motivation, and ethical integrity help brokers build trust and long-term client relationships. These competencies are vital for effectively matching clients with appropriate coverage and sustaining a successful, client-focused business.

What are some common challenges independent life insurance brokers face when building their client base?

Independent life insurance brokers often encounter challenges such as establishing trust with new clients, differentiating themselves from competitors, and managing lead generation without the support of a larger agency. Building a strong referral network and leveraging digital marketing tools can help overcome these hurdles. Additionally, brokers must stay updated on various insurance products and regulations to provide accurate advice and foster long-term client relationships. Persistence, adaptability, and proactive communication are key to success in this role.

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

AspectIndependent Life Insurance BrokerInsurance Agent
CredentialsLicensing required; may work with multiple carriersLicensing required; typically represents one carrier
Work EnvironmentSelf-employed or contracted; flexible hoursEmployed by an insurance company or agency; structured hours
Employer & Industry UsageOperates independently; broader product accessWorks for a specific insurer; limited product range

In summary, Independent Life Insurance Brokers operate independently, offering products from multiple carriers, while Insurance Agents usually work for a single insurer. Both require licensing, but brokers often have more flexibility and product options, making them a popular choice for clients seeking personalized coverage.

How do I become an independent life insurance broker?

To become an independent life insurance broker, you typically need to obtain a state insurance license by completing pre-licensing education and passing a licensing exam. Additionally, gaining knowledge of insurance products, building sales skills, and establishing relationships with multiple insurance carriers are essential for operating independently in this role.

How does an independent life insurance broker make money?

An independent life insurance broker makes money primarily through commissions paid by insurance companies for each policy they sell. They may also earn renewal commissions if the policy remains active and sometimes receive fees for additional services, depending on their business model. Brokers typically need licensing and may work on a commission-only basis or combine commissions with fees for consulting or advice.

How much do independent life insurance brokers make?

Independent life insurance brokers typically earn between $40,000 and $100,000 annually, with income largely based on commissions from policy sales. Earnings can vary depending on experience, sales skills, client base, and the commission structure of the insurance companies they work with.
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Independent Life Insurance Broker jobs near you
Infographic showing various Independent Life Insurance Broker job openings in the United States as of September 2026, with employment types broken down into 1% As Needed, 73% Full Time, 21% Part Time, and 5% Contract. Highlights an 89% Physical, 1% Hybrid, and 10% Remote job distribution, with an average salary of $87,223 per year, or $41.9 per hour.

Independent Life Insurance Broker

Scottsdale, AZ • Remote

Caryssa Panter
See more jobs at Caryssa Panterexternal

$5.0K - $20K/mo

Full-time

This job post has expired 3 days ago. Applications are no longer accepted.

Job description

Location: Nationwide | Scottsdale, AZ Office + Fully Remote Options


Employment Type: Independent Contractor | Commission Only


Requirements:

-18+ years old

-G.E.D or High School diploma

-$500+ to get started and invest in your business


Experience: No prior experience required

Are you energetic, motivated, and interested in building your own business with the support of an experienced team?

We are independent business owners and life insurance brokers partnered with an IMO, and we are expanding our team nationwide. We are looking for motivated individuals who want the opportunity to build a career in the life insurance industry with flexible scheduling, remote options, mentorship, and a proven training environment.

Whether you're just starting your career, looking for a career change, or already have sales or entrepreneurial experience, we welcome all individuals!


What We Offer

  • Nationwide opportunity — candidates can work from virtually anywhere in the U.S.
  • Fully remote, in-office, or hybrid options
  • Access to our Scottsdale, Arizona office for those who prefer an in-person environment
  • Virtual mentorship and training
  • Travel opportunities & events (not funded by the IMO)
  • In-person mentorship and guidance available in Scottsdale
  • Support and guidance through the life insurance licensing process
  • Sales training and ongoing coaching — no previous insurance or sales experience required
  • Flexible schedule and the ability to build your business around your goals
  • Opportunity to develop your own book of business and create long-term income potential
  • A supportive entrepreneurial environment focused on personal development and professional growth

Compensation

This is a 100% commission-based independent contractor opportunity. There is no hourly wage or salary.

In insurance you have a comp level (commission percentage) and the starting comp level is 80.

As skills, production, and experience develop, our agents commonly target $5,000–$20,000+ in monthly earnings, depending on individual production and results. Income is performance-based and is not guaranteed.



We're looking for people who are:

  • Energetic, coachable, and motivated
  • Comfortable communicating with people
  • Interested in entrepreneurship and building their own business
  • Willing to learn sales and develop new skills
  • Self-motivated and able to work independently
  • Open to mentorship, coaching, and continuous improvement
  • Looking for flexibility and the potential to build a long-term career

No prior insurance experience is required. We provide mentorship and guidance to help you understand the industry, complete the licensing process, learn the fundamentals of sales, and develop your skills.

Licensing

To sell life insurance, you must obtain the appropriate state insurance license. You can eventually become licensed in multiple states, but you will begin the licensing process in your home/resident state.

Our team will provide guidance and resources to help you understand the licensing process.


Why Join Us?

This isn't a traditional 9-to-5 job. It's an opportunity for someone who wants to build something of their own while having access to mentorship, training, and a community of like-minded entrepreneurs.

You can choose the environment that works best for you:

Scottsdale Office: Work alongside our team with access to in-person mentorship.

Remote: Build your business from home or wherever you work best.

Hybrid: Combine the flexibility of remote work with the support of our Scottsdale office.

If you're motivated, willing to learn, and interested in building a business in the life insurance industry, we'd love to connect with you.

Apply today to learn more about the opportunity and see if it's a good fit for you.

You can check out @caryssakay_insurance on TikTok & Instagram to view the office!

Company Description

This will be explained during the interview! Websites and socials will be provided.