Life Insurance Agent Jobs in Tennessee
Life Insurance Agent jobs in Tennessee are consistently active, with strong demand across independent agencies, captive carriers, and financial services firms serving the state's growing suburban and rural populations. Nashville, Memphis, and Knoxville anchor most of the hiring, where employers like State Farm, Northwestern Mutual, and Aflac maintain long-standing operations and recruit regularly. The most in-demand specialties include term and whole life sales, group benefits, and final expense coverage. Find a role that fits below and apply directly.
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Remote Life Insurance Sales Agent – Work From Anywhere
Company: Formula Financial
Location: Remote
Job Type: Full-time opportunity
Compensation: Commission-based with potential for renewal income
Industry: Insurance Sales / Financial Services
About Formula Financial
Formula Financial is building a team of driven, competitive individuals who want to develop their sales skills, build a career in the life insurance industry, and take control of their professional growth.
We provide the training, sales systems, scripts, lead support, and ongoing coaching to help agents develop their skills and work toward their income goals.
We're looking for motivated individuals who are coachable, competitive, and ready to put in the work required to succeed.
What You'll Do
- Connect with prospective clients interested in life insurance solutions.
- Conduct virtual appointments by phone and video.
- Understand clients' needs and help them explore appropriate life insurance coverage.
- Present insurance options clearly and professionally.
- Follow a proven sales process, using provided scripts and training resources.
- Follow up with prospective clients and guide them through the application process.
- Build relationships with clients while maintaining professional and ethical sales practices.
- Participate in coaching sessions, training, and performance reviews.
- Track sales activity and work toward individual production goals.
What We Offer
- Remote flexibility: Work virtually from anywhere in the United States, subject to applicable licensing requirements.
- Lead support: Access to the lead system described by Formula Financial, designed to help agents connect with prospective clients without relying on traditional cold calling.
- Sales training: Learn established sales scripts, objection-handling techniques, and closing strategies.
- Ongoing mentorship: Receive coaching and guidance from experienced sales professionals.
- Performance-based earnings: Opportunity to increase your earnings as your sales skills and production grow.
- Renewal income potential: Eligible policies may provide ongoing renewal commissions, subject to the applicable compensation plan and policy terms.
- Growth opportunities: Develop valuable sales, communication, and client relationship skills in a performance-driven environment.
Who We're Looking For
The ideal candidate is someone who:
- Is self-motivated, disciplined, and comfortable working independently.
- Has strong communication and interpersonal skills.
- Is competitive, goal-oriented, and motivated by performance-based compensation.
- Is coachable and willing to follow a structured sales process.
- Can build trust with prospective clients and handle objections professionally.
- Is comfortable using a phone, computer, video conferencing, and online sales tools.
- Can manage their schedule, follow up consistently, and remain accountable for results.
Sales experience is a plus, but a willingness to learn, accept coaching, and consistently execute is essential.
Licensing Requirements
Candidates must hold the appropriate life insurance producer license for the states in which they intend to sell, or be willing and eligible to obtain the required license before selling insurance. All insurance sales activities must comply with applicable licensing and regulatory requirements.
Compensation
This is a performance-based sales opportunity. Compensation is tied to eligible sales and the applicable commission schedule. Renewal commissions may also be available under the compensation plan.
Actual earnings vary based on individual production, experience, licensing, lead conversion, and other factors. Income is not guaranteed, and this opportunity should not be considered a salaried position unless otherwise specified in writing.
Who Should Apply?
This opportunity may be a strong fit for people with backgrounds in sales, customer service, hospitality, recruiting, retail, entrepreneurship, or other client-facing roles.
We're looking for people who want to improve their skills, take feedback seriously, and build a business through consistent effort.
If you're looking for a remote sales opportunity with structured training, coaching, and performance-based earning potential, we'd like to hear from you.
How to Apply
Visit https://joinformulafinancial.com/ to learn more about Formula Financial and complete the application process.
We're looking for people ready to learn, compete, and grow.
Apply today to explore the opportunity.
Pay: $20,000.00 - $50,000.00 per month
Benefits:
- Flexible schedule
- Work from home
Work Location: In person
See All 7 Life Insurance Agent Jobs in Tennessee
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Find Life Insurance Agent JobsLife Insurance Agent Jobs by City in Tennessee
Where Tennessee roles are concentrated, by current openings.
Life Insurance Agent Job Market in Tennessee
A snapshot from current Tennessee openings, updated as new roles post.
Who's Hiring
Top Industries Hiring
- Insurance
What Tennessee Employers Look For
The qualifications that appear most often in life insurance agent jobs across Tennessee.
- Active Tennessee Department of Commerce and Insurance life insurance producer license required
- Proven ability to prospect, develop client relationships, and close life insurance policies
- Strong working knowledge of term, whole life, and universal life insurance products
- Experience with CRM platforms to manage pipeline and track client communications
- Valid driver's license and reliable transportation for in-person client meetings across Tennessee
- Bachelor's degree in business, finance, or a related field preferred by most carriers
Life Insurance Agent Jobs in Tennessee: Frequently Asked Questions
How do you become a life insurance agent in Tennessee?
You must obtain a life insurance producer license through the Tennessee Department of Commerce and Insurance. The process requires completing a state-approved pre-licensing education course, passing the Tennessee Life and Health insurance licensing exam administered by Pearson VUE, and submitting a license application with a background check. No college degree is required by the state, though most carriers expect a high school diploma or equivalent at minimum.
Which companies hire life insurance agents in Tennessee?
Employers hiring life insurance agents in Tennessee right now include State Farm, GMN, and Morris Agency, based on current listings on Migrate Mate as of November 2026. Tennessee's mix of independent agencies, captive carriers, and regional financial planning firms means openings exist across a wide range of business models and commission structures.
Which Tennessee cities have the most life insurance agent jobs?
Nashville, Chattanooga, and Tennessee have the most life insurance agent openings in Tennessee. Nashville's large and fast-growing population drives the heaviest volume, while Memphis benefits from a deep base of working-class and middle-income households that carriers target for final expense and group life products, and Knoxville's expansion into suburban markets has brought additional agency and carrier offices to the region.
Are there remote life insurance agent jobs in Tennessee?
Yes, but they're less common than in purely desk-based fields, since many life insurance agent roles rely on in-person client meetings and relationship building. About 50% of life insurance agent openings tied to Tennessee are remote or hybrid as of November 2026, and those positions tend to concentrate in phone-based sales, group benefits consulting, and licensed customer service roles rather than traditional field sales.
How can I get hired as a life insurance agent in Tennessee with little or no experience?
The most realistic entry path is joining a captive carrier training program, where companies like State Farm and Northwestern Mutual recruit licensed candidates with no prior sales experience and provide structured onboarding. Obtaining your Tennessee life insurance producer license first gives you a clear edge. Adjacent roles like insurance customer service representative or financial services associate at Tennessee banks and credit unions also serve as common stepping stones into a full agent position.
Where can I find and apply to life insurance agent jobs in Tennessee?
You can find and apply to life insurance agent jobs in Tennessee on Migrate Mate, which lists current openings across the state. Find roles that fit your experience level and preferred market, then apply directly to the employers posting them.
See All 7 Life Insurance Agent Jobs in Tennessee
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