Life Insurance Agent

Life Insurance Agent | Sales Representative - Pinnacle Financial Partners

1099 Independent Contractor | Commission-Based | Uncapped Earning Potential

Already licensed? Great. Not licensed yet? You can still apply.
An active life insurance license is required before an agent may sell insurance. Qualified unlicensed candidates may be considered and receive step-by-step guidance through the pre-licensing and licensing process, including assistance with enrollment into approved pre-licensing education.

About the Opportunity

Pinnacle Financial Partners is expanding and looking for motivated, coachable, and goal-oriented individuals to join our growing team as Life Insurance Agents / Sales Representatives.

We welcome both experienced insurance professionals and individuals looking to build a new career in the life insurance industry.

As an independent Life Insurance Agent, you will work with individuals and families to understand their financial protection needs, educate them on available coverage options, and help them select solutions appropriate for their circumstances.

The role combines consultative sales, client relationship management, lead follow-up, and insurance education. Agents may work with prospective clients by phone, virtually, and in person depending on their market and business model.

This is a 1099 independent contractor, commission-based opportunity. There is no guaranteed salary or hourly wage. Earnings are based on individual sales production and are not guaranteed.

What You'll Do

• Connect with prospective clients interested in life insurance and financial protection solutions
• Follow up with leads through phone calls, text, email, referrals, and other approved outreach methods
• Conduct needs-based conversations to understand each client's goals, concerns, budget, and protection needs
• Educate clients on available life insurance options, including term life, whole life, universal life, and other applicable products
• Explain coverage amounts, premiums, policy features, benefits, and available options clearly and professionally
• Recommend appropriate insurance solutions based on the client's individual needs and eligibility
• Guide clients through the insurance application and enrollment process
• Assist clients throughout underwriting and policy issuance
• Maintain accurate records of leads, applications, client communication, and follow-up activity
• Build long-term client relationships and generate referral opportunities
• Develop strong carrier and product knowledge
• Participate in ongoing sales training, product education, coaching, and professional development
• Maintain all required insurance licenses and continuing education
• Follow applicable state insurance regulations, carrier requirements, and company compliance standards
• Consistently work toward personal activity, sales, and production goals

Agents interested in growth may also have opportunities to develop skills in leadership, recruiting, agent development, mentoring, and team building.

Who We're Looking For

You may be a strong fit if you are:

• Motivated, ambitious, and goal-oriented
• Professional, dependable, and coachable
• Comfortable communicating with people by phone, video, and in person
• Confident building relationships and asking thoughtful questions
• Able to manage leads, follow-up, appointments, and client communication independently
• Comfortable working in a performance-based, commission sales environment
• Interested in learning about life insurance and financial protection
• Willing to participate in training and continuously improve your sales and product knowledge
• Looking for an opportunity with flexibility and long-term growth potential

Qualifications

• High school diploma or GED required
• Active life insurance license required before conducting insurance sales
• Unlicensed applicants may apply if willing and eligible to complete the licensing process
• Previous experience in life insurance, insurance sales, financial services, customer service, or consultative sales is preferred but not required
• Strong communication and interpersonal skills
• Basic organizational and follow-up skills
• Ability to work independently and manage a flexible schedule
• Life & Health, Life Producer, or equivalent state insurance licensing is a plus

What Pinnacle Offers

• Uncapped commission-based earning potential
• Flexible scheduling
• Remote and in-person opportunities
• Access to lead opportunities and prospecting resources
• Sales training and ongoing coaching
• Product and carrier education
• Mentorship from experienced insurance professionals
• Multiple life insurance and financial protection solutions
• Support for unlicensed candidates navigating pre-licensing, course enrollment, exam preparation, and the licensing process
• Opportunities for professional growth
• Leadership and team-development opportunities for agents interested in advancing
• A collaborative, growth-focused team environment

Compensation

1099 Independent Contractor | Commission-Based | Uncapped Earning Potential

This is not a salaried or hourly position. Compensation is based on individual insurance sales production and applicable commission schedules.

Actual earnings vary based on individual production, sales activity, experience, client volume, product mix, and other factors. Earnings are not guaranteed.

Licensing

An active state insurance license is required before an agent may solicit or sell insurance.

Not licensed yet? You may still apply.

Pinnacle works with qualified unlicensed candidates throughout the process of becoming licensed.

This may include:

• Guidance on state-specific licensing requirements
• Assistance selecting and enrolling in appropriate pre-licensing education
• Access to available enrollment resources
• Guidance on preparing for and scheduling the state licensing examination
• Support navigating the licensing application process
• Continued onboarding and training after licensing is completed

Candidates are responsible for successfully completing all state licensing requirements before engaging in insurance sales.

Candidates who already hold an active Life Insurance, Life & Health, Insurance Producer, or equivalent state license are strongly encouraged to apply.

Build a Career With Pinnacle

If you're competitive, motivated by growth, enjoy helping people, and want to build a career where your results directly impact your earning potential, we'd like to hear from you.

Whether you're an experienced insurance professional or exploring the industry for the first time, Pinnacle Financial Partners provides the training, resources, mentorship, and support to help motivated individuals develop their business.

Apply today to learn more about joining Pinnacle Financial Partners.

Pinnacle Financial Partners is an independent life insurance brokerage focused on helping individuals and families protect what matters most. We are committed to equipping our agents with the training, support, resources, and leadership they need to build successful long-term careers in the insurance industry.
Unlike captive agencies that are limited to a single carrier, our agents have access to multiple carriers and product options, giving them the flexibility to help clients find coverage that fits their needs, goals, and budget. We provide hands-on sales training, ongoing coaching, proven systems, access to leads, and support throughout the licensing and professional development process.
Our culture is competitive, performance-driven, and built for individuals who want to grow. At Pinnacle, advancement is based on results. Agents have opportunities to increase their income, expand into new markets, strengthen their leadership skills, and take on greater responsibility as they perform.
We are looking for coachable, disciplined, and motivated individuals who want more control over their income and career path. Previous insurance experience is not requiredwe place a high value on work ethic, communication skills, and the willingness to learn and execute.
If you are looking for a traditional hourly role, this may not be the right fit. But if you want an opportunity where consistency, production, and personal growth are rewarded, Pinnacle Financial Partners offers a strong platform to build something meaningful.