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Independent Life Insurance Broker Jobs (NOW HIRING)

American Equity Partners

Life Insurance Broker

Miami, FL · On-site

$4.0K - $6.0K/wk

  • Medical

  • Life

Join American Equity Partners as a Life Insurance Broker We're looking for motivated Life Insurance ... Managing your own client portfolio as an independent contractor What We're Looking For * Valid Life ...

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.

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

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.

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

Be Seen First

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

Cowan Insurance Group LLC

Be Seen First

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

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

Mesa, AZ · 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 Aug 19, 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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What job categories do people searching Independent Life Insurance Broker jobs look for?

The top searched job categories for Independent Life Insurance Broker jobs are:

Independent Life Insurance Broker jobs near you
Infographic showing various Independent Life Insurance Broker job openings in the United States as of August 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.

Life Insurance Broker

American Equity Partners

Miami, FL • On-site

$4.0K - $6.0K/wk

Contractor

Medical, Life

Posted 6 days ago

Job description

Join American Equity Partners as a Life Insurance Broker

We're looking for motivated Life Insurance Brokers to join our growing team in Miami. This is an exciting opportunity to build your own book of business with a company that values entrepreneurial spirit and rewards success!

About the Role

As a Life Insurance Broker with American Equity Partners, you'll be responsible for:

  • Identifying and prospecting potential clients for life insurance products
  • Assessing client needs and recommending appropriate coverage solutions
  • Building and maintaining strong client relationships
  • Closing deals and generating revenue through commissions
  • Managing your own client portfolio as an independent contractor

What We're Looking For

  • Valid Life and Health Insurance license (or willingness to obtain one)
  • Strong communication and interpersonal skills
  • Self-motivated and results-oriented mindset
  • Ability to work independently and manage your own schedule

Bonus Qualifications

  • Sales experience in insurance or related fields
  • Existing book of business or client relationships
  • Experience in financial services

What We Offer

  • 1099 Independent Contractor position with flexibility
  • Commission-based pay, paid out daily! ($4,000 - $6,000 per week potential)
  • Support and resources to help you succeed
  • Opportunity to build your own business

Location: Miami, FL

If you're ready to take control of your income and build a career in life insurance, we want to hear from you!

EEOC Statement: We are proud to be an equal opportunity employer. We provide equal employment opportunities to all employees and applicants for employment and prohibit discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.