Join Our Remote Team – Life Insurance Agents Earning Up to $120K
Overview: As a Virtual Life Insurance Agent you will operate as a digitally enabled financial protection advisor within our unique insurtech ecosystem. This role blends consultative sales, financial needs analysis, and technology-driven policy placement to deliver tailored life insurance solutions to clients nationwide. Agents leverage our proprietary platforms, automation tools, and carrier network to streamline the full lifecycle from lead engagement through underwriting and policy issuance . This is fundamentally an entrepreneurial, production-based role designed for individuals seeking scalability, autonomy, and performance-driven income. Core Responsibilities: Client Acquisition & Engagement
- Engage with
inbound or pre-qualified leads (e.g., mortgage protection, final expense inquiries)
- Conduct virtual consultations via Zoom, phone, or digital platforms
- Build rapport and uncover client financial protection needs
Financial Needs Analysis
- Assess client risk exposure, income replacement needs, debt obligations, and legacy objectives
- Recommend appropriate coverage strategies (term, permanent, mortgage protection, etc.)
Solution Design & Presentation
- Utilize quoting and illustration tools to present customized solutions
- Clearly communicate product structures, underwriting expectations, and pricing
Application & Policy Placement
- Guide clients through
digital applications (often 10-minute workflows)
- Coordinate underwriting requirements and follow-ups
- Ensure successful policy issuance and placement
Relationship Management
- Maintain ongoing client relationships for retention, referrals, and policy reviews
- Deliver a high-touch, advisory experience aligned with our “human + tech” model
Technology & Platform Utilization Agents operate within a fully integrated insurtech stack, including:
- CRM & automation tools
for lead management and follow-up
- Digital application systems
for rapid underwriting and issuance
- Analytics and workflow tools
to optimize conversion and productivity These systems are designed to reduce administrative friction and increase agent throughput . Product & Carrier Access Agents have access to
- 80+ insurance carriers across the U.S.
- A mix of
proprietary digital products and traditional policies
- Solutions including: Term life insurance, Final expense, Mortgage protection, Permanent (Whole/IUL), Infinite Banking / Debt elimination programs.
This non-captive structure enables agents to position best-fit solutions rather than single-carrier offerings.
Compensation
Structure:
- Commission-based income, renewals, bonuses, equity compensation, five-star incentive travel
- Paid per issued and placed policy
- Potential for:
- High upfront commissions
- Renewal income (specific products/carriers)
- Performance-based contract increases
Compensation is directly tied to:
- Production volume
- Case size
- Persistency
This model aligns with broader independent insurance distribution economics . Work Structure & Expectations:
- Fully remote; flexible scheduling
- Typical full-time agents:
- Conduct 10–20 client appointments per week
- Manage consistent lead flow and follow-up cadence
- Agents are expected to:
- Operate with a
self-directed, entrepreneurial mindset
- Maintain disciplined pipeline management
- Continuously refine sales and advisory skills
Training & Development: We provide
- Initial onboarding and licensing guidance (if needed)
- Ongoing sales, product, and technology training
- Mentorship from experienced agency leaders
- Access to a national network of agents and best practices
The organization emphasizes scalable skill development and leadership pathways , including agency-ownership opportunities. Qualifications: Required
- Active Life & Health Insurance License (or willing to obtain)
- Strong communication and interpersonal skills
- Comfort with virtual sales environments
Preferred
- Background in sales, financial services, or client advisory
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