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Life Insurance Agent Jobs in Fulton, NY (NOW HIRING)

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Life Insurance Agent information

See Fulton, NY salary details

$15.8K

$78.2K

$127.5K

How much do life insurance agent jobs pay per year?

As of Jul 22, 2026, the average yearly pay for life insurance agent in Fulton, NY is $78,226.00, according to ZipRecruiter salary data. Most workers in this role earn between $50,600.00 and $107,300.00 per year, depending on experience, location, and employer.

Is becoming a life insurance agent worth it?

A career as a life insurance agent involves selling policies and providing financial advice, often requiring licensing and strong interpersonal skills. Income can vary based on commissions, experience, and sales performance, making it a potentially rewarding but competitive profession.

Can I get life insurance with lupus?

Life insurance agents often work with clients who have lupus, but approval depends on the severity and management of the condition. Insurers may require medical records and a detailed health assessment, and coverage options can vary based on individual health status. Agents should be knowledgeable about underwriting processes for chronic illnesses like lupus to assist clients effectively.

What are the key skills and qualifications needed to thrive as a Life Insurance Agent, and why are they important?

To thrive as a Life Insurance Agent, you need strong sales abilities, in-depth product knowledge, and a valid state insurance license. Familiarity with customer relationship management (CRM) software and quoting systems is typically required, along with ongoing education to maintain licensure. Excellent interpersonal skills, active listening, and ethical judgment help agents build trust and long-term relationships with clients. These skills are crucial for understanding client needs, providing tailored coverage solutions, and achieving sales targets in a competitive industry.

What are life insurance agents?

Life insurance agents are professionals who help individuals and families choose life insurance policies that meet their financial needs and goals. They assess clients’ situations, explain various policy options, and assist in the application process. Life insurance agents may work for a specific insurance company or as independent brokers representing several insurers. Their main goal is to ensure clients are adequately protected and understand the benefits and terms of their chosen coverage.

What Does a Life Insurance Agent Do?

Like an auto insurance or health insurance salesperson, a Life Insurance Agent will contact clients and walk them through the process of applying for and purchasing life insurance coverage. While some companies offer life insurance through a benefits package, it is also available for individual needs. An Insurance Agent can help clients with the confusing process of filling out insurance forms. They offer advice and explaining difficult financial and insurance terms in ways the client can understand. A Life Insurance Agent has to be a great communicator and can translate a complicated process with ease.

What kind of insurance agent gets paid the most?

In the insurance industry, life insurance agents who work on a commission basis and sell high-value policies tend to earn the most. Agents with specialized certifications, strong client networks, and experience in affluent markets often achieve higher incomes. Top earners may also work as independent agents or in managerial roles with bonuses and overrides.

Is it hard to make money as a life insurance agent?

Making money as a life insurance agent depends on factors such as sales skills, client base, and commission structure. Success often requires building relationships, obtaining relevant licenses, and consistent effort, especially in the early stages of the career.

What are some common challenges faced by life insurance agents when building a client base, and how can they be overcome?

Life insurance agents often find it challenging to build and maintain a strong client base, especially when starting out. This is typically due to intense competition and the need to establish trust with prospective clients. Successful agents focus on networking, leveraging referrals, and consistently following up with leads to grow their business. Many also utilize digital marketing and social media to reach a wider audience. Ongoing training in sales techniques and product knowledge can further enhance an agent's credibility and effectiveness.

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

AspectLife Insurance AgentInsurance Broker
CredentialsLicensed to sell specific insurance productsLicensed to sell multiple insurance products from various insurers
Work EnvironmentWorks for a single insurance company or agencyWorks 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
Search & Comparison IntentLooking to buy or compare life insurance policiesSeeking advice on policies from multiple insurers or comparing options

While both roles involve selling insurance products, a Life Insurance Agent typically works for a single insurer and focuses on selling that company's policies. An Insurance Broker, on the other hand, offers clients a variety of options from multiple insurers, providing broader comparison and advice. Understanding these differences helps you choose the right professional for your insurance needs.

More about Life Insurance Agent jobs
What are popular job titles related to Life Insurance Agent jobs in Fulton, NY? For Life Insurance Agent jobs in Fulton, NY, the most frequently searched job titles are:
What cities near Fulton, NY are hiring for Life Insurance Agent jobs? Cities near Fulton, NY with the most Life Insurance Agent job openings:
Life Insurance Agent jobs near you
Infographic showing various Life Insurance Agent job openings in Fulton, NY as of July 2026, with employment types broken down into 1% Locum Tenens, 91% Full Time, 5% Part Time, and 3% Contract. Highlights an 93% Physical, 1% Hybrid, and 6% Remote job distribution, with an average salary of $78,226 per year, or $37.6 per hour.
Account Representative - State Farm Agent Team Member

Account Representative - State Farm Agent Team Member

State Farm

Camillus, NY • On-site

$50K - $70K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 26 days ago

State Farm rating

7.4

Company rating: 7.4 out of 10

Based on 1,528 frontline employees who took The Breakroom Quiz

210th of 281 rated insurance

Job description

Responsive recruiter
Benefits:
  • 401(k)
  • Bonus based on performance
  • Competitive salary
  • Dental insurance
  • Flexible schedule
  • Health insurance
  • Opportunity for advancement
  • Paid time off
  • Training & development
  • Vision insurance

ABOUT OUR AGENCY:Our agency is best described as a friendly, laid-back place where teamwork and a strong work ethic go hand in hand. We believe in creating an environment where people enjoy coming to work each day while still staying focused on delivering results for our customers.
Our team is made up of nine dedicated professionals who support one another, celebrate wins together, and strive to continuously improve. We take pride in offering competitive benefits, including health, dental, and vision coverage, along with a 401k plan to help you plan for the future.
If you're looking for a workplace where collaboration, balance, and growth come together, this could be the perfect opportunity for you.
ROLE DESCRIPTION:As Account Representative - State Farm Agent Team Member for Andrew Cambria - State Farm Agent, you are vital to our daily business operations and customers' success. You grow our agency through meaningful customer relations and acting as a liaison between customer needs and agency departments. You improve the lives of our customers by proactively marketing relevant products and services.
Grow your career as you better your community. As an attentive, sociable, and sales-minded professional, we are eager to have you on our team.
RESPONSIBILITIES:
  • Provide information about insurance products and services.
  • Assist customers with policy applications and renewals.
  • Handle customer inquiries and provide timely responses.
  • Maintain accurate records of customer interactions.

QUALIFICATIONS:
  • Communication and interpersonal skills.
  • Detail-oriented and able to multitask.
  • Experience in customer service or sales preferred.

Compensation: $50,000.00 - $70,000.00 per year
Do you want to work with someone who will help you achieve YOUR goals?
Our team works hard to reach our goals together as a team and have fun while we are doing it! We want to work alongside those who are equally committed to excellence and personal achievement. Our team is comprised of results-oriented individuals that are serious about their development. If you're willing to work hard and you expect to get results from yourself and those around you, we want to meet you and talk about the opportunity we have for you. If you are self-motivated, possess an entrepreneurial spirit and have a desire to win and achieve results, please consider joining our team.
About Our Agency
  • We help customers with their insurance and financial services needs, including Auto Insurance, Home Insurance, Life Insurance, Retirement Planning, Business Insurance, Health Insurance, and Renters Insurance.
  • Our office is located in Cicero, NY.
  • Our office is open 9am-5pm.
  • I have been a State Farm agent since 2012.
  • We currently have 3 team members at our agency.
  • Our agency has received awards including: Ambassador Travel and Legion of Honor

Apply now and let us put you on the path to success
State Farm agents are independent contractors who hire their own employees. State Farm agents' employees are not employees of State Farm. Agents are responsible for and make all employment decisions regarding their employees.

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