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Non Captive Life Insurance Agent Jobs (NOW HIRING)

The ACA Experts

ACA Medicare and Life Agents

Houston, TX · On-site

$60K - $200K/yr

Independent Insurance Agent (ACA, Medicare & Life) Position Summary We are looking for dedicated ... This is a non-captive commission-only position. You own your own book of business. Why Partner With ...

Insurance Sales

Life Insurance Agent

San Diego, CA · On-site

Company Description Life & Health Independent Insurance Agent is an independent agency specializing in tailored life and health insurance solutions for individuals and families. The agency focuses on ...

Alchemy Financial Group

Life Insurance Agent

Columbia, SC · On-site

$70K - $95K/yr

Insurance Agent Responsibilities * Identify opportunities to sell life insurance to a variety of clients and working with them to find the policy that best suits their needs * Go through policies ...

Alchemy Financial Group

Life Insurance Agent

Columbia, SC · On-site

$70K - $95K/yr

Insurance Agent Responsibilities * Identify opportunities to sell life insurance to a variety of clients and working with them to find the policy that best suits their needs * Go through policies ...

New York Life

Life Insurance Agent

Greenville, NC · On-site

$69K - $130K/yr

The New York Life Insurance Agent's role is all about building relationships with and providing the right products and services that can best meet the needs of their clients. Adding up to a rewarding ...

New York Life

Life Insurance Agent

Fayetteville, NC · On-site

$69K - $130K/yr

The New York Life Insurance Agent's role is all about building relationships with and providing the right products and services that can best meet the needs of their clients. Adding up to a rewarding ...

New York Life

Life Insurance Agent

Raleigh, NC

$69K - $130K/yr

The New York Life Insurance Agent's role is all about building relationships with and providing the right products and services that can best meet the needs of their clients. Adding up to a rewarding ...

New York Life

Life Insurance Agent

Greensboro, NC

$69K - $130K/yr

The New York Life Insurance Agent's role is all about building relationships with and providing the right products and services that can best meet the needs of their clients. Adding up to a rewarding ...

New York Life

Life Insurance Agent

Wilmington, NC

$69K - $130K/yr

The New York Life Insurance Agent's role is all about building relationships with and providing the right products and services that can best meet the needs of their clients. Adding up to a rewarding ...

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All JobsFinance And Insurance JobsInsurance JobsNon Captive Life Insurance Agent Jobs

Non Captive Life Insurance Agent information

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$18K

$89K

$145K

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

As of Sep 9, 2026, the average yearly pay for non captive life insurance agent in the United States is $88,968.00, according to ZipRecruiter salary data. Most workers in this role earn between $57,500.00 and $122,000.00 per year, depending on experience, location, and employer.

What is a non captive life insurance agent?

Non-captive life insurance agents are independent professionals who are not tied to a single insurance company. Instead, they work with multiple insurers and can offer a broader range of policies to their clients. This allows them to compare various products and find the best coverage and rates to suit each individual’s needs. Unlike captive agents, who can only sell products from one company, non-captive agents provide clients with more options and potentially better value.

How does being a non captive life insurance agent impact the types of products you can offer clients and your daily workflow?

As a non-captive life insurance agent, you have the flexibility to represent multiple insurance carriers, which allows you to offer a broader range of products tailored to each client's needs. This means your daily workflow often involves researching and comparing policies from various companies, staying current on different carriers’ guidelines, and communicating with multiple underwriting teams. While this independence can help you better serve clients and potentially increase your earning opportunities, it also requires excellent organizational skills and proactive learning to manage diverse offerings and maintain strong relationships with different providers.

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

To thrive as a Non Captive Life Insurance Agent, you need strong sales abilities, knowledge of insurance products, and typically a state-issued life insurance license. Familiarity with CRM software, online quoting systems, and various insurance carrier platforms is essential for managing client relationships and submissions. Exceptional interpersonal skills, self-motivation, and trustworthiness help agents build rapport and maintain long-term client relationships. These skills are crucial for effectively advising clients, meeting sales targets, and succeeding in a competitive, commission-driven environment.

Can being a non captive life insurance agent be a side hustle?

Yes, non captive life insurance agents often work independently and can pursue their role as a side hustle, provided they meet licensing requirements and manage their time effectively. Many agents operate part-time while maintaining other employment, especially if they have strong sales skills and access to flexible schedules or online tools.

How much do non-captive life insurance agents make?

Non-captive life insurance agents typically earn between $40,000 and $80,000 annually, with top performers making over $100,000 through commissions and bonuses. Income depends on sales skills, client base, and the commission structure of the agency or company they work for.

Why do most non captive life insurance agents quit?

Non-captive life insurance agents often leave the profession due to challenges in building a steady client base, high competition, and the need for strong sales skills. The job typically involves commission-based income, which can lead to financial instability and burnout if sales targets are not met.

What cities are hiring for Non Captive Life Insurance Agent jobs?

Cities with the most Non Captive Life Insurance Agent job openings:

What states have the most Non Captive Life Insurance Agent jobs?

States with the most job openings for Non Captive Life Insurance Agent jobs include:

What are popular job titles related to Non Captive Life Insurance Agent jobs?

For Non Captive Life Insurance Agent jobs, the most frequently searched job titles are:

Infographic showing various Non Captive Life Insurance Agent job openings in the United States as of September 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 $88,968 per year, or $42.8 per hour.

Remote Insurance Agent | Non-Captive | No Cold Calling

Fort Collins, CO • Remote

MINK Life & Legacy Agency
See more jobs at MINK Life & Legacy Agencyexternal

$2.5K - $5.0K/wk

Full-time

Posted 9 days ago

Job description

MINK Life & Legacy is seeking motivated, coachable individuals who want more time and more control. If you're tired of long commutes or missing moments with family, this work-from-home opportunity offers a real path to a meaningful career — with free, proven training and full support.

What You Can Expect

• Independent broker model — not captive, full carrier access

• Free, structured training (no experience needed)

• Innovative lead program (mortgage protection, final expense, annuities)

• Cutting-edge CRM with automated lead upload

• Multiple income streams: direct commissions, renewals, and agency overrides

Compensation- 100% Commission Only

• Part-time: $50,000–$75,000+

• Full-time: $80,000–$150,000+

Income depends on your performance and activity level.

We’re Looking For

• Self-driven, disciplined, and coachable individuals

• Those seeking flexible, remote work

• People who want growth, leadership, and long-term income potential

Requirements

• Must be eligible to work in the U.S.

• Must obtain a life insurance license (we guide you)

• Reliable phone, computer, and internet

Schedule Your Interview - Booking Link 

Apply today and join an independent agency committed to your growth and success.