Now hiring · Remote · Nationwide
Life insurance agent jobs. No experience. Remote. Paid on commission.
True Compass Life Group hires life insurance agents. You talk with people who asked about coverage, compare carriers for them, and earn commission on the policies that issue. No sales background is required, and we help you get licensed before your first call.
Independent contractor role. Income is not guaranteed and depends on your effort, license status and results.
The job
What a life insurance sales agent does all day
The work is conversations. People have already asked about coverage, and your job is to understand their situation and match them with a policy that fits.
New agents get free leads for their first 60 days, so from the start you are talking with people who already asked about coverage.
- TalkCall people who requested information about mortgage protection, final expense, term or whole life, and learn what they want to protect.
- CompareReview their income, debts, health and budget, then check which carriers would approve them and at what price.
- ApplyComplete the application together and submit it. Some policies approve in minutes and others take a few weeks.
- Follow upStay in touch once the policy is in force and when their life changes, such as a new home or a new child.
Open roles
Entry-level insurance sales jobs we hire for
All roles are independent contractor positions paid by commission. Which products you can sell depends on your state license and carrier appointments.
Final expense insurance agent
Help older adults and their families plan for funeral and end-of-life costs. A common starting point for new agents with no sales background.
Mortgage protection agent
Talk with new homeowners about coverage that helps pay the mortgage if the borrower dies. Calls are usually with people who recently bought a home.
Remote life insurance sales agent
Work from home by phone and video, in every state where you are licensed. Set your own schedule within the lead follow-up expectations.
Term, whole life and IUL agent
Advise working families on income replacement, permanent coverage and indexed universal life. Needs more discovery and comparison, and suits people who like consultative selling.
Products you will offer: whole life, term life and indexed universal life (IUL).
What you get
What True Compass Life Group provides
Here is what you can count on when you join.
| Item | What to tell candidates |
|---|---|
| Leads | Free leads for your first 60 days, so you can start selling without paying for leads up front. |
| Commission | A written commission schedule, shared with you before you contract. |
| Training | 10 days of step-by-step training, then a 90-day entry-level supervision program with clear milestones, to get you comfortable and ready to sell at a high level. |
| Mentorship | 1-on-1 mentorship from agents who consistently sell at a high level. |
Before you apply
The parts most job posts leave out
You are paid when policies issue
Commission arrives after a carrier approves the application and the first premium is collected. There is no pay for hours worked or calls made.
Lapses can cost you
If a client stops paying early, the carrier can take back the commission it advanced. This is called a chargeback, and the calculator below includes it.
You need a state license
You cannot sell life insurance without one. Most people finish the course and exam in a few weeks, and costs vary by state.
Early weeks are slow
You will spend time on licensing, training and learning carrier rules before your first commission check. Plan your finances around that.
Pay
Run the math on commission
Change the numbers to match your contract and your pace. This is arithmetic on the inputs you enter. It does not predict what you will earn.
Before taxes, licensing and software costs, and any lead costs. Commission is calculated on annualized premium, which is monthly premium times twelve.
Fit
Who does well in this job
A good fit if you
- Are comfortable on the phone with people you have not met
- Follow up consistently, even after a no
- Will learn and follow compliance rules, including do-not-call and consent
- Can set aside regular hours every week
Probably not a fit if you
- Need a steady paycheck starting in week one
- Want a job with little or no phone work
- Are not willing to get a state license
- Want to sell only to friends and family
Onboarding
Four steps to your first commission
- Step 1
Get licensed
Complete your state's pre-licensing course and pass the exam. We show you what to study and when to book it.
- Step 2
Get contracted
Sign your contracts and get appointed with carriers so you can write business. We walk you through the paperwork.
- Step 3
Get comfortable
Finish the 10-day training, role-play real calls, and work your first appointments with a mentor beside you.
- Step 4
Get paid
Write policies with free leads for your first 60 days, hit the milestones in the 90-day program, and earn commission as policies issue.
Licensing
How to get a life insurance license
Rules differ by state, so check your state department of insurance for exact requirements. The usual path looks like this.
- Step 1
Check your state's requirements
Your state insurance department lists the license types, required hours of education, and fees.
- Step 2
Complete pre-licensing education
Many states require a course in life insurance, and some do not. Courses are usually available online.
- Step 3
Pass the state exam
Schedule it with the testing provider your state uses, and bring the required ID.
- Step 4
Submit your application and background check
Most states ask for fingerprints and a criminal background check, which can add time.
- Step 5
Get appointed with carriers
You need a contract with each insurance company before you can submit its applications.
Questions
Common questions about sales jobs here
Do I need experience to get a life insurance sales job?
No. Many agents start with no insurance or sales background. You do need a state life insurance license, and we point you to the course and exam before you take your first call.
How do I get a life insurance license?
Complete your state's pre-licensing education if it requires it, pass the state exam, submit your application and background check, then get appointed with carriers. Requirements and fees differ by state, so confirm them with your state department of insurance.
Is this a commission-only job?
Yes. Agents are independent contractors paid by commission on policies that issue. There is no salary or hourly pay, and income is not guaranteed.
Can I work remotely as a final expense or life insurance agent?
Yes. The work is done by phone and video, so you can work from home. You can only sell in states where you hold a license.
How long until I earn my first commission?
It depends on how fast you finish licensing, how many conversations you have, and how long carriers take to approve and issue each policy. Plan your finances for several slow weeks before the first check.
What is a chargeback?
If a policyholder cancels or stops paying within the carrier's early period, the carrier can recover part or all of the commission it advanced. Our calculator includes a lapse rate so you can see the effect.
What kinds of insurance would I sell?
Whole life (including final expense), term life (including mortgage protection) and indexed universal life, depending on the carriers you are appointed with and your state license.
How much do life insurance agents make?
It varies widely. Agents are paid commission only, so income depends on the leads you work, your close rate, the products you sell and how many policies stay in force. Use the calculator on this page with your own numbers, and treat any single income figure with caution.
Is selling life insurance a good career for beginners?
It can be if you are comfortable with phone work, follow-up and a commission-only structure. Entry barriers are low, but results come from consistent effort and getting licensed.
What is the difference between a final expense agent and a mortgage protection agent?
Final expense agents mostly work with older adults on smaller whole life policies for end-of-life costs. Mortgage protection agents mostly work with homeowners on coverage tied to a home loan. Both are life insurance sales roles.
Do I need to be a captive agent or an independent agent?
Independent agents can offer policies from several carriers, which lets you shop for the best fit. Captive agents sell for one company. The roles on this page are independent contractor positions.
Can I do this part time?
Many people start part time while they finish licensing. Results depend on the hours you put in, and leads need quick follow-up.
Apply
Start your application
Licensed or not, we want to hear from you. We read every application.
Prefer to talk first? Call (239) 313-1983 or email Smiddleinsurance@gmail.com.
Application received
Thank you for applying to True Compass Life Group. Your application is in, and we'll reach out within 12 hours by phone or email.
What happens next
- We review your application and contact you within 12 hours.
- A quick intro call about your goals, your schedule and where you are with licensing.
- You get started with licensing guidance, contracting and our 10-day training.
Watch for a call from (239) 313-1983, and check your spam folder for our email. Questions before then? Call (239) 313-1983 or email Smiddleinsurance@gmail.com.