Life Insurance Agent Jobs
Life Insurance Agent jobs are open across independent agencies, captive carriers, brokerages, and financial services firms, from entry-level to senior and management roles, with specializations in term life, whole life, and group benefits. Scan the live roles below and apply to whichever ones fit.
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Showing 5 of 389+ Life Insurance Agent jobs
Most agents spend their day chasing people who never asked to hear from them. At Eterna, the people you talk to called us. They searched for life insurance, found us, and picked up the phone. Your job is to help them find the right coverage.
You’ll work from our office in Lake Worth, serving the West Palm Beach area, with daily training and a mentor whose job is helping you get good at this.
What you’ll do
- Take inbound calls from people who are already looking for life insurance.
- Learn each caller’s situation and recommend coverage that fits, from a wide range of carriers.
- Build your skills through daily training and one-on-one mentoring.
- Move through Spark, Spark Plus and Limitless at your own pace.
What Eterna takes care of
- The calls. There’s no dialing and no buying lists.
- Carrier contracts, compliance and the back office.
- The call flow and the technology that keeps you organized.
- A team in the office every day, and leaders who have done the work.
How you grow
Spark
Learn with support. Spark covers the cost of your calls while you learn, with a mentor and daily training. You cover your state license fees.
Spark Plus
You’re proficient and producing. Call support continues each week, and your comp goes up.
Limitless
Cover your own costs, keep the highest comp, and own your book of business and renewals. Build a team if you want to lead.
Already licensed and producing? You can start at Limitless from day one.
Who does well here
We care more about attitude than experience. The people who do well here are coachable, competitive and dependable, and they show up. Many come from retail, hospitality, restaurants, fitness or college athletics, and many started with no insurance background.
Before you start
- Contracted and commission based. You’re a 1099 agent and you’re paid on what you sell. We’ll walk you through exactly how comp works in your first conversation with us.
- A life insurance license is required. Not licensed yet? You can still begin. We’ll point you to a pre-licensing course. Florida requires 60 approved hours for the 2-15 license, and state fees are yours.
- In office, full time. This role is based in our West Palm Beach office.
Eterna agents are independent contracted agents paid on commission. Results depend on individual effort and are not guaranteed. A state life insurance license is required to sell. Eterna Insurance Solutions, 43 Discovery, Suite 260, Irvine, CA 92618. Licensed in all 50 states.
Life Insurance Agent Jobs by Experience Level
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Find Life Insurance Agent JobsLife Insurance Agent Job Market
Who's Hiring
- State Farm152
- AYS18
- Structured Integrity11S
- Wealthbridge Financial6
- New York Life4
Top Industries Hiring
- Insurance
What Employers Look For
The qualifications that appear most often in life insurance agent jobs.
- Active state life and health insurance license or willingness to obtain one
- Proven record of consultative or needs-based sales in a commission environment
- Experience with CRM software for pipeline tracking and client follow-up
- Familiarity with term, whole life, universal life, and annuity products
- Strong ability to explain complex policy terms to non-specialist clients
- Bachelor's degree in business, finance, or a related field preferred but not always required
Tips for Your Life Insurance Agent Job Search
Highlight your state licensing status
List every state where you hold an active life and health license right in your resume header. Employers scan for this first, and an unlicensed candidate often gets filtered out before a recruiter reads a single bullet point.
Quantify your book of business
Replace vague phrases like 'grew my client base' with specifics: policies sold per month, retention rates, or annualized premium volume. Hiring managers in this field understand those metrics instantly and weigh them heavily.
Target roles by carrier model first
Captive carriers, independent agencies, and direct-to-consumer insurers each expect a different sales approach. Filter openings by company type before applying, and tailor your cover letter to whether the role is product-specific or multi-carrier.
Apply early to roles that fit
Migrate Mate lists life insurance agent 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 case-study style interview
Many carriers use scenario questions where you walk through how you'd handle an objection or explain a policy's cash value to a skeptical client. Practice out loud using real product details, not generic sales scripts, so your answers sound natural.
Negotiate commission structure, not just base
Life insurance compensation blends base salary, first-year commissions, and renewal commissions differently by employer. Ask specifically how renewals are structured and whether there are chargebacks if a policy lapses in the first two years.
Life Insurance Agent Jobs: Frequently Asked Questions
Which companies are hiring the most life insurance agents?
The most active employers for life insurance agents right now are State Farm, AYS, and Structured Integrity, and the most openings are in Texas, California, and Maryland, based on current listings on Migrate Mate as of November 2026. Demand tends to be strongest at carriers and agencies expanding their individual and group benefits divisions.
How many life insurance agent jobs are remote?
About 87% of life insurance agent openings are fully remote or hybrid as of November 2026, with the highest remote share in roles focused on phone-based or digital sales rather than in-person prospecting. Roles tied to community outreach, group benefits enrollment events, or agency office training are most likely to require an on-site presence.
How do you become a life insurance agent?
You need to pass your state's life and health insurance licensing exam, which requires completing a pre-licensing course covering insurance fundamentals, state regulations, and ethics. After passing the exam, you submit a license application to your state's department of insurance and complete a background check. Many agents then join a carrier or agency that provides product training and ongoing mentorship before they begin prospecting independently.
Can you get hired as a life insurance agent with no experience?
Yes, many carriers and independent agencies hire entry-level agents and provide full product training, because they care more about your ability to build relationships and handle rejection than a prior insurance background. Highlight any sales, customer service, or financial advising experience you do have, and be upfront that you're prepared to sit for your state licensing exam if you haven't already done so.
What does the life insurance agent interview process look like?
Most life insurance agent interviews include an initial phone screen focused on your sales background and career goals, followed by one or two in-person or video interviews with a sales manager or branch director. You'll typically face behavioral questions about handling objections and building a client pipeline, and some employers add a role-play scenario where you pitch a basic policy. Final-stage conversations often cover compensation structure and production expectations.
Where can I find and apply to life insurance agent jobs?
You can find and apply to life insurance agent jobs on Migrate Mate, which lists current openings from across the United States. Search for roles that match your licensing status, preferred carrier model, and location, then apply directly to each listing that fits your background and goals.
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