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Non Captive Insurance Agent Jobs (NOW HIRING)

FCSU Financial

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Independent Life Insurance Agent

Philadelphia, PA · Remote

$40K - $120K/yr

FCSU Financial Independent Life Insurance and Fixed Annuity Agent (1099) We are seeking licensed ... This is a non-captive, 1099 Independent Contractor position that offers high earning potential with ...

Team Nexa Insurance Solutions

$55K - $250K/yr

Licensed Life Insurance Agent - Dallas-Fort Worth (Texas License Required) Team-Based Model | In ... rated, non-captive carriers A proven presentation framework Direct guidance from experienced ...

Pope Insurance Group (A Senior Life Insurance Company Agency)

$55K - $250K/yr

Licensed Life Insurance Agent - Dallas-Fort Worth (Texas License Required) Team-Based Model | In ... rated, non-captive carriers A proven presentation framework Direct guidance from experienced ...

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Non Captive Insurance Agent information

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$25K

$65K

$121.5K

How much do non captive insurance agent jobs pay per year?

As of Jul 14, 2026, the average yearly pay for non captive insurance agent in the United States is $65,022.00, according to ZipRecruiter salary data. Most workers in this role earn between $44,500.00 and $77,000.00 per year, depending on experience, location, and employer.

Why do so many insurance agents quit?

Non-captive insurance agents often quit due to high competition, inconsistent income, and the need for strong sales skills. The job typically involves commission-based pay, which can lead to financial instability, and requires ongoing client acquisition and relationship management. These factors contribute to high turnover rates in the profession.

What is a Non Captive Insurance Agent job?

A Non Captive Insurance Agent is an independent insurance professional who is not tied to a single insurance company. Instead, they can offer policies from multiple insurers, providing clients with a wider range of coverage options. This allows them to compare rates and tailor recommendations based on a client's specific needs. Unlike captive agents, who exclusively sell products from one company, non-captive agents have greater flexibility in finding the best policies for their customers.

What type of insurance agents get paid the most?

Among insurance agents, those specializing in high-net-worth individual policies, commercial insurance, or working as independent agents often earn higher commissions and salaries. Non-captive insurance agents who sell complex or specialized coverage typically have greater earning potential due to higher premiums and commission rates. Success also depends on experience, sales skills, and certifications such as the Chartered Property Casualty Underwriter (CPCU).

What are the key skills and qualifications needed to thrive in the Non Captive Insurance Agent position, and why are they important?

To thrive as a Non Captive Insurance Agent, you need in-depth insurance product knowledge, strong sales acumen, and the ability to navigate regulatory requirements, typically supported by a state insurance license. Familiarity with CRM platforms, quoting software, and digital communication tools is often required to manage client accounts and process applications efficiently. Exceptional interpersonal skills, self-motivation, and ethical integrity help agents build trust and establish lasting client relationships. These skills are vital because agents must independently represent multiple insurers, requiring both product expertise and the ability to match solutions to diverse client needs.

What is a typical career path or advancement opportunity for a Non Captive Insurance Agent?

Non Captive Insurance Agents often start by building their client base and learning the intricacies of various insurance products across multiple carriers. As they gain experience and demonstrate strong sales performance, they may progress to become senior agents, team leaders, or even start their own independent agencies. In many organizations, top performers can also specialize in high-value markets such as commercial insurance or financial planning. This role offers excellent growth potential for self-driven individuals who enjoy flexible schedules and the ability to build a business based on their own initiative.

What's the hardest insurance to sell?

For non-captive insurance agents, the hardest insurance to sell is often specialized or high-risk coverage, such as cyber liability or complex commercial policies, because clients may lack awareness or perceive them as expensive. Success typically requires strong industry knowledge, effective communication, and persistence to educate clients about the value of these policies.

What is a non-captive insurance agent?

A non-captive insurance agent is an insurance professional who can sell policies from multiple insurance companies, offering clients a wider range of options. Unlike captive agents who work for a single company, non-captive agents typically need licensing, product knowledge, and strong sales skills to serve diverse client needs.
More about Non Captive Insurance Agent jobs
What cities are hiring for Non Captive Insurance Agent jobs? Cities with the most Non Captive Insurance Agent job openings:
What are the most commonly searched types of Non Captive Insurance Agent jobs? The most popular types of Non Captive Insurance Agent jobs are:
What states have the most Non Captive Insurance Agent jobs? States with the most job openings for Non Captive Insurance Agent jobs include:
What job categories do people searching Non Captive Insurance Agent jobs look for? The top searched job categories for Non Captive Insurance Agent jobs are:
Non Captive Insurance Agent jobs near you
Infographic showing various Non Captive Insurance Agent job openings in the United States as of July 2026, with employment types broken down into 100% Full Time. Highlights an 40% In-person, and 60% Remote job distribution, with an average salary of $65,022 per year, or $31.3 per hour.

Licensed Life & Health Insurance Agent

Assurance Network

Chester, VA • Remote

$50K - $200K/yr

Contractor

Medical, Life

Re-posted 23 hours ago

Job description

Licensed Life & Health Insurance Agent
Non-Captive | Residual Income | 1099

Medicare (T65) | ACA | Life

Tired of paying for dead or recycled leads?
Is E&O coverage holding you back from getting started?
We’re hiring licensed Life & Health agents ready to grow in Medicare (T65), ACA, and Life insurance.
This is a non-captive 1099 opportunity where you’re paid directly by carriers and retain ownership of your book of business.
Some free lead opportunities are available (availability varies). You’ll prospect daily, handle inbound calls, conduct virtual or in-person appointments, and close business compliantly.
We provide tools and support.
You bring the activity and follow-through.
Compensation:
  • Commission paid directly by carriers.
  • Medicare, ACA, and Life products.
  • Renewal income available.
  • Uncapped earning potential.
  • Build long-term residual income.
Requirements:
  • Active Life & Health License.
  • Comfortable making outbound calls.
  • Strong phone communication skills.
  • Self-motivated and disciplined.
  • Desktop/laptop (no tablets).
  • Hardwired internet (no WiFi).
  • Headset with microphone.
  • Quiet, professional workspace.
If you're ready to stop chasing bad leads and start building real production, apply today. Email your name and contact information to agents@assurance-network.com and be sure to include whether you’re interested in becoming a Life Insurance Agent, Health Insurance Agent, or both.
Non-captive.
Uncapped.
Performance-driven.