Remote Insurance Agent – Indexed Universal Life (IUL) | 1099 Independent Contractor

Job Type: Full-Time
Work Location: 100% Remote
Compensation: Commission-Based | No Base Salary
Position Type: 1099 Independent Contractor
Specialty: Indexed Universal Life (IUL) Insurance, Life Insurance, and Long-Term Financial Planning

About the Opportunity

Are you a finance, banking, accounting, or financial services professional looking to transition into the insurance and financial planning industry?

We are seeking motivated, detail-oriented career changers interested in building a career as a Remote Life Insurance Agent specializing in Indexed Universal Life (IUL) insurance.

This opportunity is ideal for professionals who understand financial concepts, risk management, interest crediting, and long-term planning. You will help clients understand life insurance solutions, compare policy options from multiple insurance carriers, and navigate the application and underwriting process.

This is a full-time, 100% remote, commission-only, 1099 independent contractor opportunity for individuals prepared to invest time in licensing, product education, client relationships, and consistent follow-up.

Key Responsibilities

• Client Consultation and Relationship Management: Connect with individuals interested in life insurance, Indexed Universal Life (IUL), and long-term financial planning.
• IUL Product Education: Explain policy structure, premiums, cash value accumulation, index crediting methods, policy charges, and death benefit options in clear, accurate terms.
• Insurance Needs Analysis: Help clients evaluate their coverage needs, financial objectives, risk tolerance, and long-term planning priorities.
• Multi-Carrier Product Comparison: Review available insurance products across carriers to identify suitable policy options based on each client’s needs and circumstances.
• Life Insurance Sales and Applications: Guide clients through the application process, collect required information, and coordinate case progression.
• Underwriting and Case Management: Track applications, communicate updates, follow up on outstanding requirements, and help move cases toward policy issuance.
• CRM and Pipeline Management: Maintain accurate client records, document interactions, organize follow-ups, and manage a full-time sales pipeline.
• Professional Development and Team Collaboration: Participate in weekly team meetings, receive one-on-one mentorship, and learn alongside experienced insurance agents.

Qualifications and Ideal Candidate Profile

We welcome candidates with transferable skills and experience in:

• Banking and retail banking
• Financial services and financial advising support
• Accounting, bookkeeping, and financial analysis
• Relationship management and client service
• Insurance sales or financial product sales
• Customer consultation and account management
• Administrative coordination and case management

Successful candidates will demonstrate:

• Strong organizational skills and attention to detail.
• The ability to understand and explain complex financial and insurance concepts.
• Professional communication and active listening skills.
• A client-first mindset focused on suitability, transparency, and long-term relationships.
• Self-motivation and the ability to manage a remote workload independently.
• Persistence with follow-up, documentation, and application tracking.
• A willingness to learn Indexed Universal Life insurance products and complete required state insurance licensing.
• The ability to commit to full-time activity in a performance-based, commission-only environment.

Prior insurance experience may be helpful, but motivated career changers with relevant financial or client-facing experience are encouraged to apply.

Training, Mentorship, and Resources

We provide resources designed to help new independent agents develop their product knowledge and establish consistent business practices.

• One-on-One Mentorship: Personalized guidance during your initial ramp-up period.
• Weekly Team Meetings: Ongoing training, collaboration, and professional development.
• Agent Ride-Alongs: Opportunities to observe experienced agents and learn practical client consultation techniques.
• CRM Access: Tools to organize client information, manage follow-ups, and track applications.
• Multi-Carrier Access: insurance carriers, providing a range of products to evaluate for individual client needs.
• Licensing Preparation: Time during the initial onboarding period to pursue the required state life insurance license before soliciting or selling insurance.

Compensation and Independent Contractor Structure

This is a 100% commission-based, 1099 independent contractor opportunity. There is no base salary, hourly wage, or guaranteed income.

Earnings depend on factors such as sales production, issued and eligible policies, carrier compensation arrangements, and applicable commission terms. Results are not guaranteed.

Candidates should be prepared for a learning curve, an extended sales process, ongoing client follow-up, and the time required to develop product knowledge and build a sustainable pipeline.

This opportunity is best suited to individuals who value autonomy, professional development, and relationship-based insurance sales.

Our Approach to Client Relationships

Indexed Universal Life insurance can involve complex policy provisions, costs, and long-term considerations. Our approach emphasizes education, transparency, and responsible client service.

We believe successful insurance professionals should prioritize understanding a client’s needs, explaining both benefits and limitations, and evaluating whether a product is appropriate for the client’s circumstances.

The goal is to build long-term client relationships through informed guidance—not simply to close a sale.

Ready to Explore a Career in IUL Insurance?

If you have a background in banking, finance, accounting, or client relationship management and are ready to apply your skills in the life insurance industry, we encourage you to explore this opportunity.

Bring your analytical mindset, organizational skills, and commitment to client service. We will provide mentorship, team support, and access to multi-carrier resources as you work toward building your insurance business.

Please note: Applicants must be willing to obtain the appropriate state insurance license and understand the responsibilities and financial considerations of commission-only, independent contractor work.