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Life Insurance Sales Agent Jobs in Kentucky (NOW HIRING)

Safe Harbor Insurance Services LLC

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Insurance Sales Agent

Somerset, KY · On-site

$32K - $40K/yr

We are seeking an Insurance Sales Agent to join our team! You will be responsible for expanding the company's book of business by selling various types of insurance policies to new and existing ...

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All JobsLife Insurance Sales Agent JobsLife Insurance Sales Agent Jobs in Kentucky

Life Insurance Sales Agent information

See Kentucky salary details

$30.4K

$100.2K

$126.8K

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

As of Aug 27, 2026, the average yearly pay for life insurance sales agent in Kentucky is $100,154.00, according to ZipRecruiter salary data. Most workers in this role earn between $89,000.00 and $115,500.00 per year, depending on experience, location, and employer.

What does a life insurance sales agent do?

A Life Insurance Sales Agent is a professional salesperson specializing in selling life insurance policies to individuals. They are generally responsible for calling potential clients to add leads to their book of business and make sales, meet with clients, explain the various types of life insurance available, customize packages and quotes for clients, and handle policy renewals. Life Insurance Sales Agents may also be responsible for helping clients plan for their financial future and retirement and help facilitate any additional exams that may be needed for their policies to be underwritten. Those in this role need to be up to date on state regulations regarding insurance and with new policies being offered by the company.

What does a life insurance sales agent do?

A Life Insurance Sales Agent helps clients choose life insurance policies that best fit their needs and financial situations. They explain various types of policies, the benefits and costs, and assist clients through the application process. Agents also follow up with customers, handle policy renewals, and may provide guidance on other financial products. Their goal is to ensure individuals and families are financially protected in the event of death or critical illness.

What are the key skills and qualifications needed to thrive as a life insurance sales agent, and why are they important?

To thrive as a Life Insurance Sales Agent, you need a strong understanding of insurance products, state licensure, and sales acumen. Familiarity with CRM systems, quoting software, and digital communication tools is typically required. Outstanding interpersonal skills, resilience, and persuasive communication help agents build trust and effectively address client needs. These skills are crucial for meeting sales targets, ensuring regulatory compliance, and building long-term client relationships.

What are some common challenges life insurance sales agents face in building and maintaining a client base?

One of the primary challenges for Life Insurance Sales Agents is consistently finding and connecting with potential clients, especially in a competitive market. Agents often need to balance prospecting for new business with nurturing relationships with existing clients to encourage referrals and policy renewals. Persistence, excellent communication skills, and adaptability to different client needs are essential for overcoming these challenges. Many agencies provide training and lead-generation support, but success often depends on an agent's networking efforts and ability to build trust over time.

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

AspectLife Insurance Sales AgentInsurance Broker
CredentialsLicensing required, often specific to life insuranceLicensing required, may hold multiple licenses for various insurance types
Work EnvironmentTypically works for a single insurance company or agencyWorks independently or for multiple insurers, advising clients on various options
Employer & Industry UsageEmployed by insurance companies or agenciesIndependent or affiliated with brokerage firms, representing multiple insurers
Search & Comparison IntentLooking for sales roles within life insuranceSeeking broader insurance options or independent advice

While both roles involve selling insurance products, a Life Insurance Sales Agent typically works for a specific insurer and focuses solely on life insurance policies. An Insurance Broker operates independently or for a brokerage, offering clients a variety of insurance options across multiple providers. Understanding these differences helps job seekers identify the right career path or insurance professional for their needs.

Is life insurance sales a good career?

Life insurance sales is a sales-oriented career that involves building client relationships, understanding insurance products, and meeting sales targets. Success often depends on strong communication skills, persistence, and the ability to generate leads, with income typically based on commissions and renewals. It can offer flexible schedules and growth opportunities for motivated individuals.
More about Life Insurance Sales Agent jobs

What cities in Kentucky are hiring for Life Insurance Sales Agent jobs?

Cities in Kentucky with the most Life Insurance Sales Agent job openings:

What are popular job titles related to Life Insurance Sales Agent jobs in KY?

For Life Insurance Sales Agent jobs in KY, the most frequently searched job titles are:

Life Insurance Sales Agent jobs near you
Infographic showing various Life Insurance Sales Agent job openings in Kentucky as of August 2026, with employment types broken down into 33% Full Time, 33% Part Time, and 34% Contract. Highlights an 67% In-person, and 33% Remote job distribution, with an average salary of $100,154 per year, or $48.2 per hour.

Life Insurance Sales Agent

The McCrimmon Agency

Louisville, KY • On-site, Remote

$30K - $160K/yr

Full-time

Re-posted 13 days ago

Job description

The McCrimmon Agency is looking for motivated, coachable people who want more than a traditional 9–5. This is a remote, commission-based insurance sales opportunity for someone who wants flexibility, mentorship, and a path toward building their own business in the life insurance industry.

We help families protect what matters most through life insurance, mortgage protection, final expense, income protection, and advanced financial solutions. As a broker, we work with 30+ insurance companies so agents can help clients find coverage that fits their needs.

No prior insurance experience is required. If unlicensed, we provide training, mentorship, and licensing support to help you get started.

What you’ll do

You’ll work with clients to understand their needs and help them choose protection options for their family, income, home, and future. You’ll also receive ongoing training, coaching, and support from a team focused on personal growth, professional development, and doing business with integrity.

Why people join The McCrimmon Agency

  • Remote work with flexible hours
  • Full-time or part-time options
  • Training and mentorship provided
  • Supportive team culture
  • Proven systems, CRM tools, and lead options available
  • Path toward business ownership and long-term growth
  • No prior insurance experience required

Compensation

  • This is a 100% commission-based role. Earnings are not guaranteed and depend on individual activity, performance, and consistency.
  • Many active agents achieve $50,000–$150,000+ annually, with top performers having the ability to exceed that based on production.

Schedule

  • Set your own hours
  • 15–40 hours per week

Requirements

  • Must live in the United States
  • Must have reliable internet, a computer, and a personal phone
  • Must be willing to obtain a life and health insurance license in your state. Licensing costs are the responsibility of the Sales Agent, but we provide support and guidance throughout the process.
  • Must be comfortable with a commission-based role

This may be a great fit if you are:

  • A strong communicator
  • Self-motivated and goal-oriented
  • Comfortable working independently
  • Interested in personal growth and leadership
  • Looking for flexibility and meaningful work
  • Willing to be coached and motivated by performance-based income

The McCrimmon Agency is an equal opportunity employer.


By submitting this form, you agree to recurring contact from Symmetry Financial Group LLC and its affiliated companies under common control and their insurance agents via text & live, automated, A.I., or prerecorded calls, including for marketing or recruiting purposes. Consent not a condition of purchase.

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