Unlicensed Insurance Agent Jobs in Michigan (NOW HIRING)

Life Insurance Sales Representative

Remote / In Office | Full-Time or Part-Time | 1099 Commission-Based

$80,000–$120,000+ Earning Potential for Full-Time, Actively Producing Agents*
No Insurance Experience Required | Training Available | Leads Available | Leadership Opportunity

Looking for More Than Just Another Job?

Pinnacle Financial Partners is expanding our sales organization and looking for competitive, coachable, motivated individuals who want to build a serious career in sales.

You do not need previous insurance experience.

We are looking for people who are willing to learn, communicate well, take coaching, and put in the work required to become successful.

This is a performance-based opportunity. Your income and advancement are determined by what you produce—not how long you've been with the company.

For the right person, there is also a path beyond personal sales into recruiting, training, leadership, and management.

What You'll Do

As a Life Insurance Sales Representative, you'll work directly with individuals and families who are exploring insurance and financial protection options.

You'll:

• Speak with prospective clients by phone and virtually
• Identify each client's insurance and financial protection needs
• Compare solutions from multiple insurance carriers
• Educate clients and make needs-based recommendations
• Assist clients through the application process
• Follow up with prospects and existing clients
• Develop your communication, sales, and closing skills
• Build and manage your own book of business

Depending on licensing, carrier appointments, product requirements, and client needs, available solutions may include:

• Term Life Insurance
• Whole Life Insurance
• Indexed Universal Life (IUL)
• Mortgage Protection
• Final Expense
• Annuities
• Supplemental & Accident Coverage

All recommendations must be ethical, compliant, and appropriate for the client's individual circumstances.

What We Provide

You won't be expected to figure everything out by yourself.

Agents have access to:

• No-cost lead opportunities
• Paid lead options
• Multiple insurance carriers
• Sales training and mentorship
• Optional two-day training program at no cost
• Product and carrier training
• Sales systems and support
• Performance incentives and contests
• Leadership and management development

Agents may also choose to purchase additional leads at their own expense.

No Insurance License Yet?

That's okay.

We consider both licensed and unlicensed candidates.

If selected, unlicensed candidates can begin the process of obtaining their state insurance license. All required licensing, appointments, and product certifications must be completed before conducting activities that require an insurance license.

Who We're Looking For

We're selective about who we bring onto the team.

The strongest candidates are:

• Competitive
• Coachable
• Self-motivated
• Confident communicating with people
• Professional and dependable
• Comfortable being paid based on performance
• Willing to learn sales
• Able to work independently
• Goal-oriented
• Interested in personal and professional growth

Previous sales, customer service, athletics, leadership, management, hospitality, recruiting, or other performance-driven experience can be valuable—but insurance experience is not required.

Compensation & Growth

This is a 1099 independent-contractor, commission-only opportunity. There is no salary or guaranteed hourly wage.

Compensation is performance-based with uncapped earning potential.

Full-time, actively producing agents may have the potential to earn approximately $80,000–$120,000+ annually.

Exceptional producers and individuals who successfully develop into leadership may have significantly greater earning potential, with some top-performing producers/leaders reaching $500,000+.

Additional incentives may include:

• Performance bonuses
• Cash incentives
• Sales contests
• Trips
• Contract advancement opportunities
• Leadership advancement

Earnings are not guaranteed. Actual earnings vary significantly based on sales activity, production, experience, licensing, placement, persistency, carrier compensation schedules, and other factors.

Commissions are generally advanced according to applicable carrier and product terms. Agents are responsible for applicable chargebacks when policies cancel, lapse, or otherwise become subject to commission chargebacks.

Build a Career. Then Build a Team.

Agents who demonstrate strong production, professionalism, ethical sales practices, and the ability to develop others may pursue advancement into leadership and management.

Leadership candidates are expected to demonstrate the ability to recruit, train, coach, and develop other agents.

Agents may work remotely without an office-attendance requirement. Individuals advancing into leadership should expect an in-office component as part of their management responsibilities.

There are no minimum production requirements for the agent position.

Requirements

• Must be authorized to work in the United States
• Must possess or be willing to obtain the appropriate state insurance license
• Reliable internet connection for virtual appointments
• Must complete applicable carrier and product requirements
• Must operate in accordance with insurance laws, carrier requirements, and brokerage standards
• Must be willing to learn, accept coaching, and work in a performance-based environment

Opportunity Highlights

✓ No insurance experience required
✓ Licensing path for new agents
✓ No-cost and paid lead opportunities
✓ Multiple insurance carriers
✓ Remote work available
✓ Flexible schedule
✓ Full-time and part-time opportunities
✓ Uncapped commission potential
✓ Training and mentorship
✓ Bonuses, contests, and trips
✓ Advancement based on performance
✓ Leadership and management path

This is an independent-contractor (1099), commission-only opportunity and is not a salaried or hourly employee position. Candidates are responsible for obtaining and maintaining all applicable licenses and satisfying regulatory and carrier requirements before conducting licensed insurance activities.

If you're competitive, coachable, and serious about building your income and career, apply today. We are looking for individuals who want an opportunity where their results determine how far they can go.

We are an independent insurance brokerage focused on helping individuals and families protect their financial future through personalized life insurance and financial protection solutions.

Our agents have access to multiple insurance carriers, comprehensive training, lead opportunities, and a performance-based path into leadership and management.

We are building a high-performance organization centered around accountability, development, and long-term growth. We prioritize quality over quantity and look for driven individuals who want to build a serious career in sales and leadership.