Life Insurance Sales Agent

Build a scalable career in one of the most stable industries in America - working pre-qualified leads from home, on your own schedule, inside a fully virtual sales model. No cold calling. No door knocking. No driving to appointments. Full training, proven scripts, and mentorship from agents who have already built what you're trying to build.

About us

We're a virtual life insurance agency headquartered in Dayton, Ohio, and part of The Alliance - a national organization under Integrity Marketing Group, the largest distributor of financial services products in the United States. We help families protect their income, their legacies, and their futures through final expense, term life, retirement, and estate planning products.

Our mission is simple: free families. We believe agents should be able to build an income around their life - not fit their life around a job. That belief shapes every part of how we train, coach, and support our team.

The digital shift - why this role looks different

The life insurance industry has gone digital. That shift has changed what's possible for producers:

• Clients request information online - they're already interested before you talk to them
• Consultations happen over phone and Zoom - no driving, no windshield time
• Applications are submitted electronically and policies can be issued quickly
• Agents are running more presentations in a week than traditional agents run in a month

This is not the insurance business your parents worked in. And it's the reason agents at every stage - brand new, mid-career, and seasoned - are transitioning into virtual sales teams.

Role overview

Position: Life insurance sales agent
Location: Remote - must reside in the United States (hiring team based in Dayton, OH)
Employment type: 1099 independent contractor | Commission-only | Full-time or part-time

As a life insurance sales agent on our team, you'll work directly with pre-qualified prospects - people who have already requested information about life insurance coverage. You'll walk them through their options, present a solution that fits their family, and close the sale virtually by phone or Zoom. This is a fully virtual role. No door-knocking. No driving to appointments. No cold-calling off a phone book.

Key responsibilities

• Connect with pre-qualified prospects from company-provided lead programs
• Conduct needs-based insurance consultations over phone and Zoom
• Present and close final expense and term life policies virtually
• Expand into retirement and estate planning products as you develop
• Follow a proven sales framework and call script provided during training
• Submit applications digitally using our CRM and carrier platforms
• Track activity and results through our CRM
• Attend weekly live training sessions and one-on-one coaching calls
• Maintain carrier appointments and compliance standards

Qualifications and requirements

Required:

• Active life insurance license or willingness to obtain one during onboarding
• Prior sales experience (any industry)
• Reliable high-speed internet and a quiet work environment for virtual calls
• Comfortable selling virtually by phone and video
• Eligible to work in the U.S.
• Self-motivated and able to work independently on a 1099 basis

Preferred:

• Previous experience in insurance, financial services, or high-ticket sales
• Familiarity with CRM and dialer software
• Experience working remotely or running an independent contractor business
• Track record of consistent production in a previous carrier or IMO (for experienced agents)

Compensation and benefits

Compensation structure: 100% commission (1099 independent contractor). This is a performance-based role - earnings depend entirely on individual sales activity, contract level, and production. Agents are paid per policy sold, with the ability to increase commission levels based on performance milestones.

Earning potential: Uncapped. Compensation varies significantly by individual effort, skill development, licensing status, and time in the role. Top producing agents working the virtual sales model at full capacity have the opportunity to earn six-figure annual income; results are not typical or guaranteed and depend on individual performance.

Commission disclosure: This is a commission-only position. There is no base salary, hourly wage, or guaranteed minimum income. Compensation is based entirely on sales production.

Support and tools provided:

• Multiple lead programs - social media leads, higher-intent leads, preset appointment programs, and AI direct-transfer lead flow (optional; agents may purchase leads to supplement production)
• Full CRM and dialer access through our GoHighLevel platform
• Proven sales scripts and call frameworks developed over years of production
• Live weekly training sessions and on-demand video training library
• One-on-one mentorship from producing agents and leadership
• Licensing guidance and support for new agents pursuing their life license
• Flexible schedule - structure your hours around your life, start part-time or full-time

Who this is for

This role fits a specific kind of person. It works best for:

• Licensed agents tired of driving, no-shows, and slow underwriting who want to scale production through a virtual model
• Career changers willing to get licensed and build real sales skill in a stable, high-demand industry
• Candidates seeking flexibility who want to build income around their life rather than the other way around
• Sales-driven operators who want uncapped income and the ability to run this like a business

If you're coachable, hard-working, and ready to take ownership of your income - you'll fit in well here.

Who this is not for

We'd rather be upfront than waste your time. This role is not a fit if you:

• Need a guaranteed paycheck or hourly base pay
• Are looking for a passive opportunity with no personal investment into your business
• Want to be told what to do every hour of the day
• Are unwilling to treat this like a business instead of a job

Our culture

We're a team that takes the work seriously but not ourselves. Agents here support each other, celebrate wins, and put in the effort required to build something real. We believe in coaching people up, picking up the phone when you call, and treating this business like a business.

We are an equal opportunity employer and do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or protected veteran status.