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Remote 1099 Insurance Agent Jobs in Philadelphia, PA

FCSU Financial

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Independent Life Insurance Agent

Philadelphia, PA · Remote

$48K - $120K/yr

This is a non-captive, 1099 Independent Contractor position that offers high earning potential with a focus on Life Insurance and Fixed Annuity sales. The non-captive nature of this opportunity ...

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Remote 1099 Insurance Agent information

See Philadelphia, PA salary details

$25.2K

$65.6K

$122.6K

How much do remote 1099 insurance agent jobs pay per year?

As of May 28, 2026, the average yearly pay for remote 1099 insurance agent in Philadelphia, PA is $65,613.00, according to ZipRecruiter salary data. Most workers in this role earn between $44,900.00 and $77,700.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Remote 1099 Insurance Agent, and why are they important?

To thrive as a Remote 1099 Insurance Agent, you need strong sales acumen, comprehensive knowledge of insurance products, and a valid state insurance license. Familiarity with CRM software, quoting systems, and digital communication tools is typically required. Excellent self-motivation, communication, and customer relationship skills help agents stand out in a remote, commission-driven environment. These abilities are crucial for effectively building a client base, meeting sales targets, and succeeding independently in a competitive market.

What are some common challenges faced by Remote 1099 Insurance Agents, and how can they be addressed?

Remote 1099 Insurance Agents often face challenges such as managing their own schedule, generating leads independently, and staying motivated without direct supervision. Building a strong daily routine, leveraging digital marketing strategies, and actively participating in virtual networking or training sessions can help overcome these hurdles. Additionally, effective communication with clients and insurance carriers is crucial, so utilizing reliable technology and CRM tools is highly recommended. Proactively seeking mentorship or support from online agent communities can also provide valuable guidance and encouragement.

What is a Remote 1099 Insurance Agent?

A Remote 1099 Insurance Agent is an independent contractor who sells insurance policies from a remote location, rather than working onsite at an agency or company office. The '1099' refers to the IRS tax form used for independent contractors, meaning they are not employees but self-employed individuals responsible for their own taxes. These agents typically earn commissions on the policies they sell and have flexibility in setting their own schedules. They often work with multiple insurance companies and must handle their own marketing, client acquisition, and administrative tasks.

What is the difference between Remote 1099 Insurance Agent vs Remote 1099 Insurance Broker?

AspectRemote 1099 Insurance AgentRemote 1099 Insurance Broker
CredentialsLicenses required for specific insurance typesSame as Insurance Agent, plus ability to represent multiple carriers
Work EnvironmentIndependent, remote salesIndependent, remote sales with broader carrier access
Employer/Industry UsageOften contracted directly with insurance companies or agenciesTypically contracted with multiple carriers or as an independent broker
Search/Comparison IntentFocus on individual insurance sales rolesFocus on roles involving multiple carrier representation

While both roles operate remotely as 1099 independent contractors, a Remote 1099 Insurance Agent primarily sells policies for specific insurance companies, requiring relevant licenses. A Remote 1099 Insurance Broker, on the other hand, can represent multiple carriers, offering clients broader options. The key difference lies in carrier access and licensing scope, impacting the sales approach and client offerings.

What are the most commonly searched types of 1099 Insurance Agent jobs in Philadelphia, PA? The most popular types of 1099 Insurance Agent jobs in Philadelphia, PA are:
What are popular job titles related to Remote 1099 Insurance Agent jobs in Philadelphia, PA? For Remote 1099 Insurance Agent jobs in Philadelphia, PA, the most frequently searched job titles are:
What job categories do people searching Remote 1099 Insurance Agent jobs in Philadelphia, PA look for? The top searched job categories for Remote 1099 Insurance Agent jobs in Philadelphia, PA are:
What cities near Philadelphia, PA are hiring for Remote 1099 Insurance Agent jobs? Cities near Philadelphia, PA with the most Remote 1099 Insurance Agent job openings:
Remote 1099 Insurance Agent jobs near you
Infographic showing various Remote 1099 Insurance Agent job openings in Philadelphia, PA as of May 2026, with employment types broken down into 50% Full Time, and 50% Contract. Highlights an 100% Remote job distribution, with an average salary of $65,613 per year, or $31.5 per hour.

Licensed Life Insurance Sales Agent (Remote, 1099 Commission)

SalesPulse Incorporated

Philadelphia, PA • Remote

$50K - $175K/yr

Full-time

This job post has expired 1 day ago. Applications are no longer accepted.

Job description

About the Role


We are hiring licensed life insurance sales agents for a fully remote, phone-based sales position. This is a 1099 contract role with 100% commission compensation. Agents work directly with prospective clients who have requested information about life insurance coverage, complete needs-based consultations, and place policies through our partner carriers.


This is a pure sales role. Agents do not have to recruit, hire, train other agents, build a downline, or earn override income from anyone else's production. Compensation comes entirely from the policies you personally place.


What You'll Do

• Work consumer-initiated inbound calls, partner-supplied lead programs, and referral channels.

• Conduct phone and video consultations to understand client needs and recommend appropriate life insurance coverage.

• Quote, present, and submit applications for life insurance products.

• Follow up with applicants through underwriting and policy issue. • Maintain accurate pipeline, activity, and outcome records in our CRM.

• Participate in product training, sales coaching, and compliance updates. Products You'll Offer

• Final Expense, Term Life and Whole Life Insurance

• Indexed Universal Life (IUL) and Income Protection

• Final Expense and Estate Planning

• Annuities, Retirement, and Private Pension Solutions Required Qualifications

• Active Life Insurance license in your state of residence.

• Reliable high-speed internet, a working computer with webcam, and a quiet, professional workspace. • Strong phone presence with active listening and consultative selling skills.

• Self-discipline and consistency in a remote, commission-based environment. Preferred Qualifications • One or more years of life insurance, financial services, or inside sales experience.

• Multi-state licensing or willingness to obtain additional state appointments.

• Experience with CRM platforms and dialer software.

• Background in retirement, estate, or final expense planning. Compensation

• 100% commission. Pay is tied to policies issued.

• Competitive commission contracts across multiple carriers.

• Daily and weekly pay options available through carrier direct deposit.

• Renewal income on qualifying policies. • Production-based bonuses on qualifying milestones. Compensation is 100% commission and tied directly to your personal production. Actual earnings vary based on licensing, time commitment, lead utilization, and adherence to the sales process. We do not guarantee any specific income.


What We Provide


• Access to vetted, qualified leads from multiple sources within our partnership network.

• Carrier appointments and onboarding support.

• Product training, daily coaching, and ongoing sales development.

• A flexible remote work environment.


No Fees or Required Investment There is no purchase, startup fee, or required investment to begin in this role. We do not charge you for training, carrier appointments.


Standard state licensing fees and continuing education are the responsibility of the agent, as required by state insurance regulators. Schedule Flexible remote schedule. Most agents work full-time business hours to maximize lead access, but the role accommodates part-time and evening availability. Lead distribution is heaviest Monday through Saturday. How to Apply Submit your résumé through ZipRecruiter along with a short note on your licensing status (state, line of authority, and effective date) and any prior sales experience. Qualified applicants are scheduled for a phone interview with our hiring team within two to three business days.