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Life Health Insurance Agent Jobs in California (NOW HIRING)

GIA Legacy Planning

As a Licensed Life & Health Insurance Agent, you'll enjoy the freedom of an independent work environment with the backing of a collaborative team. You'll have access to a comprehensive training ...

Allen Sarafyan - State Farm Agent

$60K - $100K/yr

Allen Sarafyan - State Farm Agent is seeking a motivated and relationship-driven professional to join our team as a Life/Health Insurance Specialist. In this role, you'll help individuals and ...

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All JobsLife Health Insurance Agent JobsLife Health Insurance Agent Jobs in California

Life Health Insurance Agent information

See California salary details

$17.8K

$87.8K

$143.1K

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

As of Aug 25, 2026, the average yearly pay for life health insurance agent in California is $87,803.00, according to ZipRecruiter salary data. Most workers in this role earn between $56,700.00 and $120,400.00 per year, depending on experience, location, and employer.

What does a life health insurance agent do?

A life health insurance agent helps individuals and businesses choose the most suitable life and health insurance policies based on their needs and budgets. They explain policy options, coverage details, premiums, and benefits, making sure clients understand their choices. Agents also assist with the application process, answer questions about claims, and provide ongoing support as clients’ needs change over time. They are licensed professionals who stay up to date with insurance regulations and products to best serve their clients.

What are the key skills and qualifications needed to thrive as a life health insurance agent?

To thrive as a Life Health Insurance Agent, you need strong sales acumen, in-depth knowledge of insurance products, and a state-specific insurance license. Familiarity with customer relationship management (CRM) software and quoting tools, as well as ongoing continuing education certifications, is essential. Outstanding interpersonal skills, active listening, and resilience set top-performing agents apart. These skills and qualifications are crucial for building trust with clients, effectively matching policies to client needs, and maintaining compliance in a competitive, regulated industry.

What are some common challenges life health insurance agents face when building a client base, and how can these be addressed?

Life Health Insurance Agents often find building and maintaining a strong client base to be a key challenge, especially when starting out. This typically involves extensive networking, consistent follow-ups, and leveraging referrals, which can be time-consuming and require persistence. Successful agents often address these challenges by developing strong communication skills, staying organized with client information, and regularly updating their knowledge on insurance products to provide tailored solutions. Joining industry associations and attending community events can also help expand one's network and credibility.

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

AspectLife Health Insurance AgentInsurance Broker
CredentialsLicenses in life and health insuranceLicenses in multiple insurance types, including life and health
Work EnvironmentWorks for insurance companies or agenciesWorks independently or for brokerage firms, representing multiple insurers
Employer & Industry UsageEmployed by insurance companies or agenciesIndependent or employed by brokerage firms, serving clients across insurers

While both roles require licensing in life and health insurance, Life Health Insurance Agents typically work directly for insurance companies, focusing on selling their products. Insurance Brokers operate more independently, representing clients and offering policies from various insurers. The choice depends on whether you prefer working within a specific company or independently advising clients across multiple providers.

Is it worth becoming a life health insurance agent?

A life health insurance agent sells policies related to life and health coverage, often working on commission and requiring licensing. The role can offer flexible schedules and income potential based on sales performance, but it also involves building client relationships and staying updated on industry regulations. Whether it is worth pursuing depends on your sales skills, interest in the industry, and willingness to develop necessary certifications.

Why do most life health insurance agents quit?

Many life health insurance agents quit due to the challenging nature of sales, high competition, and inconsistent income, especially during the initial stages of building a client base. The job often requires strong interpersonal skills, self-motivation, and resilience, as agents face rejection and fluctuating commissions before establishing a steady income stream.

What cities in California are hiring for Life Health Insurance Agent jobs?

Cities in California with the most Life Health Insurance Agent job openings:

Life Health Insurance Agent jobs near you
Infographic showing various Life Health Insurance Agent job openings in California as of August 2026, with employment types broken down into 1% As Needed, 74% Full Time, 18% Part Time, and 7% Contract. Highlights an 92% Physical, 1% Hybrid, and 7% Remote job distribution, with an average salary of $87,803 per year, or $42.2 per hour.

Life & Health Insurance Sales Agent

Pacific Ridgeway

San Jose, CA • Remote

$94K/yr

Full-time, Part-time

Posted 5 days ago

Job description

-COMMISSION ONLY-Looking for a chance to achieve new career heights on a dedicated, compassionate team of successful insurance agents? Our insurance agency is expanding and needs the help of a life insurance agent to grow our list of prospective clients and onboard new clients. Our ideal candidate is great with people, a naturally talented salesperson, and harbors incredible customer service skills and a passion for helping those in need. You’ll have an opportunity to help a thriving insurance team succeed and make a tangible difference in clients’ lives every day. If this sounds like a job you’d love, apply now!

MUST BE A U.S. CITIZEN

Compensation:

$40,000 - $94,000 yearly


Responsibilities:
  • Onboard incoming and retain existing clients via a variety of customer service tasks, such as appointment booking, and responding to inquiries regarding billing, coverage, eligibility, and insurance policies
  • Maintain databases, records, and bookkeeping, ensuring all paperwork is up to date
  • Expand our prospective customer base and market our insurance products via including networking, referrals, cold calling, and various marketing strategies to bring in new business
  • Evaluate new customers’ insurance needs, insurance risk, existing coverage, long-term goals, and financial status through consultations to create a tailored experience that exceeds expectations
  • Assist current policyholders during the insurance claims process while overseeing existing insurance claims

Qualifications:
  • Must have graduated high school or received GED, a Bachelor’s degree is desired
  • Previous health insurance or life insurance experience a plus
  • Current Life & Health insurance license is greatly valued
  • Previous customer service or experience as a sales representative preferred
  • Familiarity with the Microsoft Office suite

About Company

Becoming a Pacific Ridgeway Partner

We're transforming the financial landscape, one entrepreneur at a time.

We're not just building a business — we're building a movement of financial professionals with offices all over our country who are serious about making a difference. Our mission is to equip driven individuals with the skills, knowledge, and resources they need to succeed in the world of finance.

The Pacific Ridgeway Difference

  • Business ownership opportunity

  • Millionaire mentorship

  • Agency owner platform

  • Industry-leading products

The financial industry is the highest-paid industry in the world. We provide all training in-house, three times weekly, led by multiple six-figure entrepreneurs.

  • Referral partners

  • Revenue sharing

  • Part-time and full-time remote positions

  • Upside earning potential