Life Insurance Agent Jobs — Up to 155% Commission

Independent Life Insurance Agent — The Role in Detail

BetterLifeQuotes.com, an NGA / IMO hybrid, contracts licensed life insurance agents and agency builders nationwide. Remote, 1099, commission-only, with 100% book ownership.

What the role actually is

You are an independent producer, not an employee. You hold your own state life insurance license, you write business through carriers you are appointed with under one BetterLifeQuotes.com contract, and you keep the clients and renewals you produce. There is no assigned territory, no schedule, no call-block requirement and no manager assigning you activity.

What the compensation looks like

Commission only, paid by the carrier. Published maximums are up to 155% on term life and mortgage protection, up to 145% on whole life, up to 135%–155% on final expense depending on carrier, up to 130% on indexed universal life, and up to 155% on long-term care and accidental death. Contracting is open to experienced agents with at least 12 months of continuous sales experience. Advance payouts are available on qualifying carriers, and every carrier's maximum is published openly on the carrier list.

What you need to qualify

An active state life insurance producer license is the base requirement. Carrier product training applies to every appointment, and most states add a one-time training requirement before you can write long-term care or annuities. You also need at least 12 months of continuous life insurance sales, your own E&O coverage and AML certification, your own lead source and tools, and no need for training. See the full minimum requirements.

Where the work is based

Fully remote, anywhere in the United States. Carrier availability varies by state, and you can be appointed in as many states as you are licensed in.

How the contract works

Contractor (1099), full time or part time — your choice. No production minimums, no quotas, no lead-purchase requirement and no lock-in agreement. You own 100% of your policies and 100% of your renewals, so the book you build is an asset you keep.

How long contracting takes

Contracting typically completes in a few days to about a week once your license details and paperwork are in, depending on how quickly each carrier processes the appointment.

Is a Life Insurance Agent Job Right for You?

The honest version: this is a commission-only independent contract, not a salaried position — which is the reason the compensation ceiling is as high as it is.

Is this a salaried job or commission-only?

Commission only. There is no base salary, no benefits package and no W-2. In exchange, there is no cap on what you earn, no manager taking an override off the top of your business, and no employer who owns your clients when you leave.

Do I need experience to get contracted?

Yes. BetterLifeQuotes.com contracts experienced agents only. You need at least 12 months of continuous life insurance sales, your own lead source, and no need for training. We do not provide training, leads or a CRM.

Do I have to buy leads?

Not from us. There is no lead-purchase requirement and no mandatory lead program, but you must already have your own lead source running. We do not provide leads.

Which product lines can I write?

Seven: term life, whole life, universal life including IUL and GUL, final expense, long-term care, annuities and accidental death — all on the same contract, with no separate application to add a line.