Remote Insurance Rater Jobs in Phoenix, AZ (NOW HIRING)

Company Overview
The Tipton Agency (TA) stands out as a premier provider of life insurance and retirement solutions. Working alongside a national brokerage, TA eliminates barriers and offers substantial support, enabling agents to thrive through a systematic and proven approach. As a developing independent agency, TA is dedicated to delivering a range of life insurance, retirement products, and annuities at competitive prices tailored to the unique needs of families. Our licensed agents operate as independent brokers, equipped with the tools necessary to safeguard families at every stage of life. TA provides its agents with cutting-edge, proprietary technology and thorough training. We offer various lead generation platforms focused on value, ensuring agents have all the resources needed to succeed in both traditional and digital environments, regardless of their location or time zone. Our leads are seamlessly integrated with a digital CRM, which includes a mobile application that allows agents to work remotely through their smartphones. Through our brokerage, TA manages all contracting with top-rated national carriers, many of which provide exclusive policies through our agency, enhancing client value.

Role Overview
This flexible position can be pursued on a full-time, part-time, or secondary basis, and is completely remote as a Field Underwriter. You will have the freedom to establish your own hours and work within the time zones and states that are most convenient for you. The Field Underwriter will interact with families seeking coverage, evaluate risk, and identify the most suitable coverage options for each family. Responsibilities include submitting applications to the most fitting carriers and assisting in the underwriting process. Our brokerage generates qualified and compliant leads for agents through direct mail, call-ins, and digital platforms, removing the necessity for cold calling. The Field Underwriter is expected to deliver exceptional customer service while ensuring high accuracy and attention to detail.

Compensation Structure
This is a 1099 role with commission rates starting at 80% of Annual Premium Value (APV) and reaching up to 130% APV, along with bonuses and potential equity ownership. Once you reach a promotional commission rate, it becomes permanent; there are no requirements to maintain it. Agents earn commissions based on their production levels and receive overrides on their agency's policies based on the difference between their contract rate and the rates of other agents in their agency. Commissions are paid in advance: 75% upon issuance and 25% in months 10, 11, and 12. Agents can achieve legal ownership at the 105% contract level with six writers without any capital contribution required. There are no income caps or minimum quotas. New, average part-time agents usually earn between $3,000 and $5,000 monthly in commission for 15-20 hours of work per month (approximately six policies), which equals around $70,000 annually. Unlicensed agents with no prior experience often start part-time on their own schedule before transitioning to full-time after training. Full-time average agents earn between $15,000 and $17,000 monthly in deposits (15-20 placed policies), totaling $150,000 to $200,000 per year. Passive agency income would be in addition to these personal production averages. The brokerage and carriers also offer bonuses and reward trips.

Qualifications
- Strong analytical and critical thinking skills
- Excellent communication and interpersonal skills
- Ability to work independently and remotely, while also being a team player
- No prior experience in the insurance industry or underwriting principles required
- Strong attention to detail and ability to manage multiple priorities
- Current Life, Health, and Accident state license is a plus, but not mandatory
- No degree required
- A person who enjoys helping others and seeks a positive, growth-oriented culture
- Fun, gets things done, and always does the right thing, even when no one is looking
- Service-oriented mindset