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Life Insurance Agent – Independent (1099) Opportunity

Many life insurance professionals enter the industry without a clear understanding of what it means to operate as an independent agent.

This opportunity is designed for licensed life insurance agents who want to build their own business as independent contractors (1099) — not as employees.

About the Role

Independent agents operate their own businesses. This means:

You control your schedule and production

You own your book of business

You choose how you market and generate leads

Earnings are commission-based, consistent with a 1099 model

Agencies that provide paid leads often do so in exchange for significantly reduced commission levels. Our model focuses on helping agents earn full commissions by building sustainable, long-term businesses.

What We Provide

Ongoing professional training and coaching

Access to multiple competitive life insurance carriers and products

Best Commissions, Contracting, Underwriting, and Case support

Guidance based on 35+ years of industry experience

Systems designed to help agents grow and scale responsibly

What This Role Is Not

This is not a W-2 employee position

This role does not include a salary or hourly pay

Marketing and lead generation expenses are managed by the agent

Ideal Candidates

This opportunity is a good fit for agents who:

Are currently licensed in Life and/or Health

Understand the responsibilities of a 1099 independent contractor

Are interested in building a long-term insurance business

Value training, mentorship, and support over employee-style compensation

Are motivated, professional, and coachable

Important Note

This role is intended for independent agents who want to operate as business owners. Candidates seeking employer-provided leads, wages, or employee benefits may be better suited to other opportunities.

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Independent Life Insurance Agent

Job Description