Life Insurance Agent Jobs: Final Expense to Whole Life

Independent Life Insurance Agent: The Role in Detail

BetterLifeQuotes.com, an NGA / IMO Hybrid & Distribution Partner for final expense, term, IUL, UL and whole life that will beat your current commission level, contracts licensed life insurance agents and agency builders nationwide. Our life insurance agent jobs are remote, 1099 and commission-only, and you own your book of business.

What the role actually is

You are an independent producer, not an employee. You hold your own state life insurance license, you write final expense, SIWL and GIWL business through the carriers you are appointed with under one BetterLifeQuotes.com contract, and you own the book of business 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. Every new agent starts at a 100% commission at contracting, and every solo agent with at least 6 months of continuous sales who meets our minimum requirements is guaranteed more than 100%, with up to 160%. Advance payouts are available on qualifying carriers, and levels vary by carrier, product and state.

What you need to qualify

An active state life insurance producer license, at least 6 months of continuous life insurance sales, your own E&O coverage and AML certification, and your own lead source and tools. Carrier product training applies to every appointment. New agents who do not meet the 6-month minimum can apply directly through our Just Licensed Agent application and start at a 100% commission, or join through a qualifying agent or agency and get training. See the full minimum requirements.

What support you get

Back office support: a guided contracting roadmap, a members portal, a carrier resource directory and help with carrier appointments, transfers and contracting questions; sales training, telesales scripts, objection handling, closing strategies, personal coaching and ongoing professional development; an agent management system with production, commission and book-of-business reporting; the CallWave inbound call platform with lead strategy and ROI guidance; and recruiting, training and retention resources for agency growth.

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. These life insurance agent jobs come with no production minimums, no quotas and no lead-purchase requirement. Independent, non-captive contracting: agents, new agencies, established agencies and healthcare agencies own their book of business, renewals and hierarchy, even upon release. Releases are granted and never held for payment.

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.

Are Life Insurance Agent Jobs Right for You?

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?

No. Newly licensed agents apply through our Just Licensed Agent application and start at a 100% commission. To apply as a solo agent, you need at least 6 months of continuous life insurance sales and your own lead source, and your commission is guaranteed to be more than 100%. New agents can also join through a qualifying agent or agency and get training.

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. Leads are not included, but if you want them, inbound final expense calls are available starting at $25.00 per inbound call. It is an option on the table for you, and there is no requirement to buy them.

Which products can I write?

Final expense (level benefit), simplified issue whole life (SIWL) and guaranteed issue whole life (GIWL), with 14 carriers and Fidelity & Guaranty (F&G), InstaBrain, National Life Group and Symetra on the way. BetterLifeQuotes.com is for final expense, term, IUL, UL and whole life.

Can I leave?

Yes. Contracting is independent and non-captive: agents, new agencies, established agencies and healthcare agencies own their book of business, renewals and hierarchy, even upon release. Release requests are never held for payment, and releases are granted as long as there is no outstanding debt to the carrier.