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Unlicensed Insurance Agent Jobs in Baltimore, MD

Kemper

Insurance Agent Trainee

Baltimore, MD

Life Insurance Sales Agent Employment Type: Full-Time with Benefits Work Arrangement: Field Role ... For new unlicensed agents, your journey begins with a paid training period. During this time, we ...

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Unlicensed Insurance Agent information

See Baltimore, MD salary details

$24.8K

$64.6K

$120.7K

How much do unlicensed insurance agent jobs pay per year?

As of Aug 21, 2026, the average yearly pay for unlicensed insurance agent in Baltimore, MD is $64,608.00, according to ZipRecruiter salary data. Most workers in this role earn between $44,200.00 and $76,500.00 per year, depending on experience, location, and employer.

What is an unlicensed insurance agent?

An Unlicensed Insurance Agent assists licensed agents by generating leads, handling administrative tasks, and providing customer service. They cannot sell or negotiate insurance policies but can educate clients on available options and connect them with a licensed agent. This role is often an entry point into the insurance industry, allowing individuals to gain experience before obtaining a license.

What does an unlicensed insurance agent do?

Unlicensed Insurance Agents usually focus on administrative and customer support functions within an insurance agency. Their daily responsibilities often include scheduling appointments, responding to client inquiries, managing paperwork, gathering client information, and providing follow-up support for licensed agents. While they do not sell or negotiate insurance policies themselves, they play a crucial role in ensuring that the sales process runs smoothly and that clients have a positive experience. This position provides valuable exposure to the insurance industry and can serve as a stepping stone toward obtaining a license and advancing to higher roles.

What are the key skills and qualifications needed to thrive as an unlicensed insurance agent?

To succeed as an Unlicensed Insurance Agent, strong communication skills, organizational abilities, and a high school diploma or equivalent are typically required. Familiarity with customer relationship management (CRM) systems and proficiency in basic office software are valuable, though licensing for insurance sales is not required for this support role. Outstanding customer service, attention to detail, and a willingness to learn make candidates stand out. These skills enable unlicensed agents to efficiently assist licensed agents, handle client inquiries, and ensure smooth administrative operations in an insurance office.

Can you work in insurance without a license?

Unlicensed insurance agents cannot legally sell or negotiate insurance policies, as licensing is required by state regulations to ensure knowledge and compliance. Some roles, such as customer service or administrative support, may not require a license, but sales positions do. Obtaining a license involves passing a state exam and completing pre-licensing education.

What are the most commonly searched types of Unlicensed Insurance Agent jobs in Baltimore, MD?

The most popular types of Unlicensed Insurance Agent jobs in Baltimore, MD are:

What are popular job titles related to Unlicensed Insurance Agent jobs in Baltimore, MD?

For Unlicensed Insurance Agent jobs in Baltimore, MD, the most frequently searched job titles are:

What job categories do people searching Unlicensed Insurance Agent jobs in Baltimore, MD look for?

The top searched job categories for Unlicensed Insurance Agent jobs in Baltimore, MD are:

Unlicensed Insurance Agent jobs near you
Infographic showing various Unlicensed Insurance Agent job openings in Baltimore, MD as of August 2026, with employment types broken down into 1% As Needed, 74% Full Time, 20% Part Time, and 5% Contract. Highlights an 90% Physical, 1% Hybrid, and 9% Remote job distribution, with an average salary of $64,608 per year, or $31.1 per hour.

Insurance Agent Trainee

Kemper

Baltimore, MD

Full-time

Medical, Dental, Life, Retirement, PTO

Re-posted 6 days ago

Job description

Location(s)

Baltimore, Maryland

Details

Kemper is one of the nation's leading specialized insurers. Our success is a direct reflection of the talented and diverse people who make a positive difference in the lives of our customers every day. We believe a high-performing culture, valuable opportunities for personal development and professional challenge, and a healthy work-life balance can be highly motivating and productive. Kemper's products and services are making a real difference to our customers, who have unique and evolving needs. By joining our team, you are helping to provide an experience to our stakeholders that delivers on our promises.

Role:Life Insurance Sales Agent

Employment Type:Full-Time with Benefits

Work Arrangement:Field Role

Career and Opportunity

Kemper is a diversified insurance holding company that has been in business for over 100 years. We are firmly committed to serving the insurance needs of modest-income families. Our strength lies in our dedication to frequent personal home visits with new and existing customers to collect premiums, conduct sales of new policies, and address other service needs.

For new unlicensed agents, your journey begins with a paid training period. During this time, we provide the tools and guidance needed to study for and pass the licensing exams. Once licensed, you will be assigned an existing book of business, a portfolio of current customers from whom you'll collect monthly premiums. You'll earn a percentage of the premiums you collect, as well as a commission on all new sales you make. From there, the sky's the limit! Through hard work and dedication, you can increase your monthly income with every new sale. It really is that simple.

If you're passionate about serving the underserved, this is the career for you. Our agents gain personal satisfaction and community prestige by performing meaningful work that helps clients protect the people and property they cherish. With a pay-for-performance compensation model, agents have the opportunity to determine their own paycheck. As your skills and knowledge grow, so does your income potential. Superior performance is recognized through awards, prizes, and company-sponsored trips.

Benefits

Kemper offers competitive benefits, including:

  • Major Medical and Dental Insurance
  • Group Life Insurance
  • Short-Term & Long-Term Disability
  • 401(k) with Company Match
  • Paid Vacation
  • Employee Stock Purchase Program

Responsibilities

Agents are set up for success by being assigned a territory (called an agency) with an established book of business and existing customers.

Day-to-Day Activities:

  • Conducting sales presentations, recommending products, and closing new sales
  • Prospecting for new sales opportunities
  • Maintaining strong customer relationships by collecting premiums on a pre-arranged schedule that you determine
  • Responding promptly to service requests such as beneficiary changes, claims, and loans
  • Record keeping, accounting for money collected, and processing policy paperwork

Agent Expectations:

  • Grow the assigned territory through new sales
  • Build strong working relationships with customers
  • Devote the time necessary to fulfill the responsibilities of the role
  • Pursue continuous professional development in insurance products and sales effectiveness

Minimum Qualifications

  • Customer service experience
  • Must be at least 18 years of age
  • Valid driver's license with required auto insurance coverage
  • Dependable vehicle for daily travel
  • Ability to pass a background check, motor vehicle report, and drug screening
  • Authorization to work in the United States

Preparation

  • Licensing:We provide free access to study tools and professional guidance to help you prepare for licensing exams
  • Training:New agents complete an onboarding development program that includes self-study, classroom instruction, and field mentoring by your Sales Manager
  • On-the-Job Training:Earn a paycheck while learning your profession through hands-on experience

Opportunity is knocking. Don't let it pass you by!

Kemper is proud to be an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran, disability status or any other status protected by the laws or regulations in the locations where we operate. We are committed to supporting diversity and equality across our organization and we work diligently to maintain a workplace free from discrimination.

Kemper does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Kemper and Kemper will not be obligated to pay a placement fee.

Kemper will never request personal information, such as your social security number or banking information, via text or email.Additionally, Kemper does not use external messaging applications like WireApp or Skype to communicate with candidates.If you receive such a message, delete it.

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