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Self Employed Life Insurance Jobs in Michigan (NOW HIRING)

CLH Insurance Agency

Life Insurance Specialist

Owosso, MI · On-site

$45K - $65K/yr

Conduct needs-based conversations to identify appropriate life and health insurance solutions ... Self-motivated with a goal-oriented mindset and strong work ethic. * Excellent organizational and ...

MGM Capital

Be Seen First

Life Insurance Agent

Troy, MI · On-site

$1.0K - $250K/yr

Self-motivated * Confident communicating with people * Professional and dependable * Comfortable ... life insurance and financial protection solutions. Our agents have access to multiple insurance ...

MGM Capital

Be Seen First

Life Insurance Agent

Troy, MI · On-site

$1.0K - $250K/yr

Self-motivated * Confident communicating with people * Professional and dependable * Comfortable ... life insurance and financial protection solutions. Our agents have access to multiple insurance ...

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All JobsSelf Employed Life Insurance JobsSelf Employed Life Insurance Jobs in Michigan

Self Employed Life Insurance information

See Michigan salary details

$15.7K

$77.5K

$126.4K

How much do self employed life insurance jobs pay per year?

As of Aug 22, 2026, the average yearly pay for self employed life insurance in Michigan is $77,544.00, according to ZipRecruiter salary data. Most workers in this role earn between $50,100.00 and $106,300.00 per year, depending on experience, location, and employer.

What does it mean to be a self-employed life insurance agent?

A self-employed life insurance agent is an independent professional who sells life insurance policies to individuals and businesses, rather than working directly for a single insurance company. These agents often represent multiple insurers, allowing them to offer clients a wider range of policy options. They are responsible for finding their own clients, managing their business operations, and complying with licensing and regulatory requirements. Self-employed agents typically earn commissions based on the policies they sell instead of receiving a fixed salary.

What are the key skills and qualifications needed to thrive as a self-employed life insurance agent?

To thrive as a self-employed life insurance agent, you need a solid understanding of insurance products, sales strategies, and must hold the appropriate state insurance license. Familiarity with customer relationship management (CRM) software, digital marketing tools, and insurance quoting systems is typically required. Strong interpersonal skills, self-motivation, and resilience help agents build client trust and manage the challenges of self-employment. These abilities are crucial for growing a client base, ensuring regulatory compliance, and achieving sustained business success in a competitive industry.

What are some common challenges faced by self-employed life insurance agents, and how can they be overcome?

Self-employed life insurance agents often face challenges such as building a client base from scratch, managing inconsistent income, and staying motivated without direct supervision. Success in this role typically relies on strong networking, persistent prospecting, and effective time management. Many agents find it helpful to join professional associations, leverage online marketing tools, and seek mentorship from experienced peers to grow their business and overcome these hurdles.

What is the difference between Self Employed Life Insurance vs Independent Insurance Agent?

AspectSelf Employed Life InsuranceIndependent Insurance Agent
CredentialsMay require life insurance licensing and financial knowledgeMust have insurance license and often additional certifications
Work EnvironmentOperates independently, often from home or mobileWorks independently but may collaborate with multiple insurance providers
Employer/Industry UsageTypically a self-employed individual offering life insurance productsActs as an independent contractor representing various insurance companies

Self Employed Life Insurance professionals focus on selling life insurance policies independently, often managing their own business. Independent Insurance Agents also sell life insurance but usually represent multiple companies, providing clients with a range of options. Both roles require licensing and operate independently, but their business models and client interactions differ slightly.

Can you be a self-employed life insurance agent?

Yes, a self-employed life insurance agent operates independently, often working as an independent contractor rather than for a specific company. They typically need to obtain the necessary licenses, such as a life insurance license, and may set their own schedules and client base. Success in this role depends on sales skills, industry knowledge, and the ability to build a network.

How much do self-employed life insurance agents make?

Self-employed life insurance agents typically earn between $50,000 and $150,000 annually, with income largely dependent on sales performance, commissions, and client base. Successful agents often have strong sales skills, industry certifications, and work flexible schedules to maximize earnings.

What are the most commonly searched types of Life Insurance jobs in Michigan?

The most popular types of Life Insurance jobs in Michigan are:

What are popular job titles related to Self Employed Life Insurance jobs in Michigan?

For Self Employed Life Insurance jobs in Michigan, the most frequently searched job titles are:

What job categories do people searching Self Employed Life Insurance jobs in Michigan look for?

The top searched job categories for Self Employed Life Insurance jobs in Michigan are:

What cities in Michigan are hiring for Self Employed Life Insurance jobs?

Cities in Michigan with the most Self Employed Life Insurance job openings:

Self Employed Life Insurance jobs near you
Infographic showing various Self Employed Life Insurance job openings in Michigan as of August 2026, with employment types broken down into 1% As Needed, 70% Full Time, 21% Part Time, 2% Temporary, 5% Contract, and 1% Nights. Highlights an 89% Physical, 1% Hybrid, and 10% Remote job distribution, with an average salary of $77,544 per year, or $37.3 per hour.

Life Insurance Specialist

CLH Insurance Agency

Owosso, MI • On-site

$45K - $65K/yr

Full-time

Medical, Life, PTO

Re-posted 10 days ago

Job description

Benefits:
  • Bonus based on performance
  • Competitive salary
  • Health insurance
  • Opportunity for advancement
  • Paid time off
  • Training & development

ROLE DESCRIPTION:
CLH Insurance Agency is seeking a motivated and relationship-driven professional to join our team as a Life Insurance Specialist. In this role, you'll help individuals and families protect what matters most by providing personalized life and health insurance solutions.
This is an opportunity for someone who enjoys building relationships, educating clients, and creating long-term financial security for others while growing their own career and income potential. If you're passionate about helping people, driven by results, and enjoy meaningful conversations, we'd love to connect with you.
RESPONSIBILITIES:
  • Generate new business through networking, referrals,, and lead follow-up activities.
  • Conduct needs-based conversations to identify appropriate life and health insurance solutions.
  • Educate clients on policy options, coverage benefits, and long-term protection strategies.
  • Build and maintain strong relationships with new and existing customers.
  • Follow up with prospects and clients to ensure an exceptional customer experience.
  • Maintain accurate client records and ensure compliance with state and federal regulations.
QUALIFICATIONS:
  • Active Life & Health insurance license will be required.
  • Proven ability to build rapport and develop lasting client relationships.
  • Strong communication, presentation, and consultative sales skills.
  • Self-motivated with a goal-oriented mindset and strong work ethic.
  • Excellent organizational and follow-up skills.
  • Comfortable using CRM systems and agency technology platforms.