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Overnight Life Insurance Agent Jobs in Spring Valley, NY

Kemper

Licensed Insurance Agent

Clifton, NJ · On-site

Kemper Life is actively seeking licensed agents to join our field sales teams . As a licensed insurance agent, you will be assigned an established book of business that provides prospecting ...

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All JobsLife Insurance Agent JobsOvernight Life Insurance Agent JobsOvernight Life Insurance Agent Jobs in Spring Valley, NY

Overnight Life Insurance Agent information

See Spring Valley, NY salary details

$18.2K

$90.2K

$146.9K

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

As of Sep 5, 2026, the average yearly pay for overnight life insurance agent in Spring Valley, NY is $90,153.00, according to ZipRecruiter salary data. Most workers in this role earn between $58,300.00 and $123,600.00 per year, depending on experience, location, and employer.

What is an overnight life insurance agent?

Overnight Life Insurance Agents are professionals who work non-traditional hours, typically during the night, to assist clients with purchasing or managing life insurance policies. They may work for insurance companies or agencies that offer 24/7 customer service, helping clients who need assistance outside of regular business hours. Their responsibilities include answering questions, providing quotes, processing applications, and handling policy changes or claims. This role is especially valuable for customers in different time zones or those who prefer handling financial matters after regular work hours.

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

To thrive as an Overnight Life Insurance Agent, you need a solid understanding of insurance products, strong sales abilities, and an active state insurance license. Familiarity with CRM systems, digital communication platforms, and electronic quoting tools is essential. Excellent interpersonal skills, resilience, and the ability to build trust quickly are crucial soft skills for engaging clients during non-traditional hours. These competencies ensure agents can effectively connect with clients, provide accurate information, and close sales in a fast-paced, remote environment.

What are the unique challenges and expectations faced by an overnight life insurance agent?

As an Overnight Life Insurance Agent, you'll often handle inquiries from clients in different time zones or those seeking assistance outside regular business hours. This role requires strong self-motivation, excellent communication skills, and the ability to work independently with minimal supervision. You may also need to adapt quickly to changing schedules and manage client needs during periods of low team interaction. Embracing digital tools and maintaining a high level of responsiveness are key to success in this position.

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

AspectOvernight Life Insurance AgentLife Insurance Agent
CredentialsLicensing required, often same as regular agentsLicensing required, same as overnight agents
Work EnvironmentPrimarily remote, flexible hours, some overnight shiftsOffice or remote, regular business hours
Employer & Industry UsageInsurance companies, agencies, direct salesInsurance companies, agencies, direct sales
Search & Comparison IntentUnderstanding overnight vs regular agentsGeneral agent roles, career info

Overnight Life Insurance Agents typically work flexible or overnight hours, often remotely, focusing on policy sales and client support outside regular business hours. Regular Life Insurance Agents usually work during standard hours in offices or remotely, handling client consultations and policy management. Both roles require similar licensing and industry knowledge, but differ mainly in work hours and environment.

Can being an overnight life insurance agent be a side hustle?

Overnight life insurance agents can often work part-time or flexible hours, making it feasible to pursue the role as a side hustle. However, success depends on the company's policies, licensing requirements, and the agent's ability to balance multiple commitments.

What are the most commonly searched types of Life Insurance Agent jobs in Spring Valley, NY?

The most popular types of Life Insurance Agent jobs in Spring Valley, NY are:

What cities near Spring Valley, NY are hiring for Overnight Life Insurance Agent jobs?

Cities near Spring Valley, NY with the most Overnight Life Insurance Agent job openings:

Overnight Life Insurance Agent jobs near you

Independent Licensed Life Insurance Agent | Flexible Schedule

Luso-American Financial

Newark, NJ • Remote

Part-time

Re-posted 26 days ago

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Job description

Turn Your Experience Into Opportunity

Remote opportunity | Current recruiting focus: Newark, NJ


Are you someone who enjoys connecting with others, building relationships, and creating opportunities through your personal and professional network?

Luso-American Financial is seeking motivated, relationship-driven professionals interested in representing Luso as independent life insurance agents.


We’re not a traditional life insurance company. Luso-American Financial is a member-owned Fraternal Benefit Society. In addition to helping individuals and families protect their financial futures, our organization supports the communities we serve through member programs, education, events, sponsorships, charitable initiatives, and community support.

That means the work our agents do can have an impact beyond the individual policyholder.

This independent contractor opportunity is ideal for professionals looking to supplement their income, develop a long-term client base, or grow an insurance business while maintaining flexibility and independence.


What You’ll Do

  • Build relationships within your personal, professional, and community networks.
  • Meet with individuals and families to understand their financial protection needs.
  • Recommend appropriate life insurance and fixed annuity solutions based on client goals and needs.
  • Develop new business through networking, referrals, community involvement, and company-supported opportunities.
  • Maintain an organized pipeline of prospects and follow-up activities.
  • Participate in product and sales training.
  • Represent Luso-American Financial with professionalism, integrity, and a member-first mindset.


Qualifications

Required

  • Active Life Insurance License or the ability and willingness to obtain one before conducting activities requiring licensure.
  • Strong interpersonal and communication skills.
  • Self-motivated and comfortable working independently.
  • Organized and able to manage prospects and follow-up activities.
  • Comfortable developing business through networking and referrals.
  • Proficient with email, Microsoft Office, and basic technology.

Preferred

  • Experience in insurance, financial services, real estate, mortgage lending, banking, business development, or another relationship-based profession.
  • An established professional or community network.
  • Consultative sales or business development experience.
  • Bilingual skills are a plus, but not required.


What Luso Provides

  • Flexibility to build your business around your schedule.
  • Comprehensive product and sales training.
  • Marketing resources and support.
  • CRM and digital sales tools.
  • Access to a limited number of company-provided leads.
  • Ongoing support from the Luso team.
  • The opportunity to represent a mission-driven organization with more than 150 years of history and deep community roots.


Compensation

This is an independent contractor, commission-based opportunity. Agents are not salaried employees of Luso-American Financial. Compensation is based on individual production and applicable commission schedules.

Company Description

At Luso, financial protection and community impact go hand in hand.

Our agents help individuals and families make informed decisions about their financial futures while representing an organization built around service, membership, and giving back.

If you’re a strong relationship builder looking for flexibility, income potential, and the independence to develop your own client base while making a meaningful impact in the communities you serve, we’d like to hear from you.