Life and Health Insurance Broker Jobs
Life and Health Insurance Broker jobs are open across carriers, independent agencies, and benefits consultancies, from entry-level to senior and regional director, with specializations in group benefits, individual life policies, and Medicare and ACA plans. Find a role that fits below and apply directly.
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Job Title: Life Insurance Agent (Entry-Level / Commission-Based)
Life Insurance Agent (Entrepreneurship Opportunity)Overview
We are looking for motivated, ambitious individuals ages 18–25 who want to build a long-term business in the life insurance industry.
This is not a traditional 9-to-5 job—it's an entrepreneurship opportunity. Your income is based on your performance, and success requires discipline, consistency, and a strong work ethic. If you're looking for an easy paycheck or part-time side job, this likely isn't the right fit.
No prior experience is required. We provide full training, mentorship, and help you obtain your life insurance license.
What to Expect
- This business is challenging, especially in the beginning.
- Expect to work 8+ hours per day if you want to become successful.
- During your first month, we help you with lead generation so you can learn the sales process.
- After that, you will be responsible for purchasing your own leads as you grow your business.
- Once you become a skilled producer, you'll have the opportunity to build and mentor your own team if leadership is a path you want to pursue.
What We Offer
- Step-by-step training and ongoing mentorship
- Assistance obtaining your life insurance license
- Work remotely with a flexible schedule
- Commission rates up to 145%
- Long-term leadership and business-building opportunities
Responsibilities
- Contact and follow up with clients who have requested life insurance information
- Educate clients on their coverage options and help them choose an appropriate plan
- Build and maintain strong client relationships
- Manage your schedule, appointments, and sales pipeline
- Continuously improve through training and coaching
Requirements
- Ages 18–25
- Strong communication skills
- Self-motivated with a strong work ethic
- Coachable and willing to learn
- Entrepreneurial mindset
- Able to obtain a life insurance license (we help guide you through the process)
Compensation
- 100% commission-based
- Commission rates up to 145%
- Your income is directly tied to your effort, consistency, and ability to help clients.
- Results vary. Some new agents may break even or earn very little while they're learning the business, while others who consistently work hard can build a six-figure annual income.
- There is no income cap—your results depend on your work ethic, coachability, and commitment to building your business.
Ideal Candidate
We're looking for someone who is ambitious, disciplined, coachable, and willing to put in the work to build a long-term business—not someone looking for a traditional hourly or salaried job. If you're ready to commit, learn, stay consistent, and take ownership of your results, this opportunity gives you the chance to build a successful business and, once you've developed your skills, potentially build and lead your own team.
Pay: $2,000.00 - $50,000.00 per month
Benefits:
- Flexible schedule
Work Location: In person
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Find JobsLife and Health Insurance Broker Job Market
Who's Hiring
What Employers Look For
The qualifications that appear most often in life and health insurance broker jobs.
- Active state life and health insurance license in the relevant state or states
- Proven sales experience in individual or group health and life insurance products
- Familiarity with ACA marketplace plans, Medicare Advantage, and supplement products
- Experience using agency management or CRM software to manage client pipelines
- Strong knowledge of underwriting guidelines and carrier appointment processes
- Bachelor's degree in business, finance, or a related field, or equivalent work experience
Tips for Your Life and Health Insurance Broker Job Search
Lead your resume with license details
List your state life and health insurance license prominently at the top of your resume, including the states where you're licensed. Many applicant tracking systems screen for this before a human ever reads your application, so burying it costs you interviews.
Tailor your book of business numbers
Hiring managers want to see the size and composition of the policies you've written, not just titles and dates. Quantify your production in terms of policies placed, renewal retention rate, and the lines you've sold most, whether group health, term life, or annuities.
Target postings by carrier appointment type
Distinguish between captive and independent roles early in your search. Captive positions limit you to one carrier's products, while independent broker roles let you place across multiple carriers. Knowing which model fits your practice saves time and avoids mismatched interviews.
Apply early to roles that fit
Migrate Mate lists life and health insurance broker openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Prepare for a compliance-focused interview
Expect interviewers to probe your understanding of HIPAA requirements, state insurance regulations, and suitability standards. Rehearse scenarios where you walked a client through a coverage decision that balanced their budget with regulatory requirements, since compliance competence is as valued as sales ability.
Negotiate your commission structure upfront
Life and health broker compensation varies widely between base-plus-commission and pure-commission structures. Before accepting an offer, ask how renewal commissions are handled if you leave the firm, whether a chargeback policy applies to early policy cancellations, and what the vesting schedule looks like.
Life and Health Insurance Broker Jobs: Frequently Asked Questions
Which companies are hiring the most life and health insurance brokers?
Big Agency, Alexis Zephir Agency, and Ignite wealth managment are hiring the most life and health insurance brokers right now, with openings concentrated in Maryland, Texas, and Florida, based on current listings on Migrate Mate as of November 2026. Demand tends to be highest at independent marketing organizations and regional carriers expanding their distribution force.
How many life and health insurance broker jobs are remote?
About 90% of life and health insurance broker openings are fully remote or hybrid as of November 2026, reflecting the shift toward virtual enrollment and telephonic sales. Remote availability is highest in individual Medicare and ACA enrollment roles, where client consultations happen entirely by phone or video rather than in person.
How do you become a life and health insurance broker?
Start by completing your state's pre-licensing education requirement for life and health lines, then pass the state licensing exam. Once licensed, apply for carrier appointments to sell their products. Many brokers also pursue designations such as the Chartered Life Underwriter or Registered Health Underwriter to deepen expertise and stand out to employers.
Can you get hired as a life and health insurance broker with no experience?
Yes, many agencies hire candidates who hold a valid life and health license but have no prior brokerage experience, particularly for roles focused on individual ACA or Medicare enrollment. Highlighting any sales background, customer-facing experience, or financial services coursework helps. Some employers provide paid training and leads during your first months to build your book of business.
What does the life and health insurance broker interview process look like?
Most interviews begin with a phone screen to confirm your licensing status and sales background, followed by a video or in-person interview focused on your production history and client acquisition approach. You may be asked to role-play a client needs analysis or objection-handling scenario. Final rounds at larger agencies often include a meeting with a regional manager or compliance officer.
Where can I find and apply to life and health insurance broker jobs?
You can find and apply to life and health insurance broker jobs on Migrate Mate, which lists current openings from employers across the United States. Search the listings to find roles that match your license type, specialization, and preferred work arrangement, then apply directly to each one that fits.
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