What is an Independent Contractor?
An Independent Contractor is a licensed insurance agent who works for themselves, not for a single employer. At InsuranceProducers.org, all our agents are independent contractors.
This means:
- You control your schedule
- You choose which companies and products to offer
- You run your business — we provide the support
- You’re paid directly by the carriers (commissions)
- You can represent multiple insurance companies
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This gives you freedom, higher income potential, and the ability to offer your clients more choices.
Working as a Captive Agent.
A Captive Agent is tied to one insurance company only,
meaning:
- They can only sell that company’s products
- They follow strict company rules
- Their commissions and promotions are usually controlled by that one company
- Their options for clients are limited
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Captive agents may receive a salary or base stipend, but they don’t have the same flexibility or earning potential as independent contractors.
PROS: Why Agents Choose Freedom
You’re in Control of Your Schedule
No clocking in. No begging for time off. You decide when you work and how hard you go.
Unlimited Earning Potential
There’s no salary cap. The more you help, the more you earn. Your hustle directly impacts your income.
Choose the Carriers You Work With
Unlike captive agents, you can offer the best options from multiple companies which means better solutions for your clients and more trust in your brand.
Build Your Own Brand & Team
You’re not stuck in a box. Want to build a team? Market on social? Grow your influence? You can.
Location Freedom
You can work from home, your car, or while traveling. As long as you have Wi-Fi and a phone, you’re in business.
Personal Growth + Purpose
This is a career where helping others = success. You’ll become more disciplined, confident, and mission-driven.
CONS: The Truth Most Won’t Tell You
You Have to Put in the Work
Calls. Follow-ups. Learning. You’ll get 100 “No’s” before a “Yes.” That’s the business and that’s why most give up too soon.
You’re Responsible for Your Time
No one’s chasing you to clock in. That sounds great until you realize you’re the one who has to keep your calendar full and manage your own follow-ups.
No Salary or Hourly Pay
You eat what you kill. That means no guaranteed paycheck just commissions. But the upside? There’s no ceiling either.
You’ll Be Outside Your Comfort Zone
You’ll need to ask questions, talk to strangers, handle objections, and get uncomfortable because that’s where growth happens.
No One Will Want This More Than You
If you’re waiting for motivation to find you, you’ll lose. You have to show up before success does.
How do I get started as an insurance agent?
You’ll need to get licensed in your state. We’ll guide you through the steps from taking the pre-licensing course to passing the state exam and getting appointed.
Do I need prior experience to join?
Nope. Most of our top agents came from non-sales backgrounds teachers, nurses, truck drivers, you name it. We provide all the training you need.
How much does it cost to get licensed?
- Pre-licensing course
- Finger Prints
- State Exam
- prices varies from states
How much can I earn as a licensed agent?
Commission is uncapped. First-year agents commonly earn $40K–$100K. Top producers earn well into six figures. It all depends on your drive and consistency.
What kind of insurance products will I be selling?
You’ll offer Life Insurance, Final Expense, Long-Term Care, Disability Income, and 401(k) rollovers products that truly make a difference in people’s lives.
Can I do this part-time?
Yes! Many agents start part-time while working another job. Once your income grows, you can transition full-time when you’re ready.
Is training provided?
Yes!, We offer mentorship, live workshops, online training portals, and support systems that walk you step-by-step through everything.
What happens after I book a call?
You’ll meet with a licensed team leader who will answer all your questions, help you map out your path, and guide you toward licensing or onboarding.