Life Insurance Sales Agent

Company: The Stephens Agency
Position Type: Full-Time, Remote-Eligible
Compensation Model: 100% Commission-Based
Average Sale Earnings: $600–$800 per sale
Salary Potential: Unlimited (Performance-Based)
Work Environment: Dynamic, Growth-Focused, Supportive Culture

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About The Stephens Agency

The Stephens Agency is redefining what a modern sales career can look like. We’re built on three pillars: accountability, growth, and fun. Our mission is bold and simple—we empower individuals to build their own businesses that create financial freedom and lasting change for their families and communities.

Our founder’s journey from teacher and coach to successful entrepreneur in the life insurance industry inspired this vision. What started as a side opportunity to provide more for his family evolved into a passion project that now allows him to leave a lasting legacy while creating time and memories that truly matter. Today, we’re committed to empowering agents to ignite their potential, grow their own businesses, and achieve their dreams through faith, focus, and relentless drive.

We’re not your typical corporate environment. We celebrate individual success, support each other’s growth, and believe that building a thriving sales career shouldn’t mean sacrificing your values, your family time, or your sense of purpose.

Position Overview

We’re seeking passionate, self-motivated Life Insurance Sales Agents to join our rapidly growing team. In this role, you’ll connect with families who have already expressed interest in life insurance and financial protection. Your mission is straightforward: listen to their needs, explain coverage options clearly, and guide them toward solutions that genuinely protect what they care about most.

This isn’t high-pressure, quota-driven sales. This is meaningful work helping families secure their financial futures while building a lucrative, commission-based business of your own. You’ll work with warm leads only—families actively seeking information—so your time is spent on genuine conversations, not cold calling. It’s consultative, rewarding, and incredibly flexible.

Whether you’re looking to build a full-time career in sales, create a side income, or transition into a new industry, The Stephens Agency provides the support, training, and culture to help you succeed.

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Core Responsibilities

Client Consultation & Education

• Connect with interested families who have requested life insurance information—warm leads only, no cold calling required
• Listen actively to understand each family’s unique situation, concerns, and financial goals
• Educate families on life insurance fundamentals, explaining complex concepts in simple, understandable language
• Explain coverage options in detail, highlighting the benefits and protection each plan provides
• Answer questions thoroughly and with confidence, demonstrating expertise and building trust
• Help families understand how different coverage amounts and terms fit their household’s specific needs

Needs Assessment & Solution Customization

• Conduct thorough needs assessments to understand each family’s financial situation, dependents, and goals
• Identify gaps in their current financial protection and coverage needs
• Develop customized coverage solutions based on each client’s budget, timeline, and household needs
• Present multiple options allowing families to choose the plan that best aligns with their priorities
• Ensure affordability by working with clients to find coverage within their budget constraints
• Build personalized protection plans that provide genuine peace of mind

Sales & Relationship Management

• Guide clients through the decision-making process with integrity and clarity
• Close sales by helping families commit to the coverage that protects their household best
• Build long-term relationships with clients, creating trust and potential for renewals and referrals
• Document interactions thoroughly and maintain organized client records
• Follow up appropriately with interested prospects and existing clients
• Provide excellent service that reflects The Stephens Agency’s commitment to client satisfaction

Professional Development & Performance

• Embrace coaching and feedback from leadership to continuously improve your skills
• Participate in training and skill development programs to enhance your sales abilities
• Track your own performance and set personal growth goals
• Learn from top performers and adopt best practices from successful team members
• Stay current on product offerings, industry trends, and best practices in financial protection
• Contribute positively to the team culture through collaboration and encouragement

Compensation Structure

Earning Potential

• Average earnings per sale: $600–$800 on beginning contracts
• Commission-based model: 100% commission (you keep what you earn)
• Performance-based raises: 5% salary increase every 2-3 months as you build your business
• No quotas: Success is measured by your own effort and results, not arbitrary targets
• Unlimited earning potential: Your income grows directly with your sales success and client base
• Active agent bonuses: Additional incentives for consistent performance and client retention

What This Means

Your earnings are entirely in your control. When you close a $700 sale, you earn that commission. As you build your client base, develop skills, and refine your approach, your earnings per sale increase through regular raises. There’s no ceiling on your income—top performers at The Stephens Agency earn significantly more than average ranges shown here. The better you perform, the more you earn. It’s that simple.

Note: Compensation is 100% commission-based and varies by individual performance. These ranges reflect averages for active agents building their businesses.

Who Should Apply

Professional Qualities

• Self-motivated: Driven to succeed with minimal external pressure; you set your own standards
• Coachable: Receptive to feedback and eager to continuously improve your skills
• Integrity-focused: Committed to serving families honestly and recommending solutions that genuinely benefit them
• Relationship-builder: Comfortable having meaningful conversations and building trust
• Goal-oriented: Clear vision of success and committed to achieving your financial and personal goals
• Resilient: Able to handle rejection professionally and use it as motivation to improve

Background & Experience

• Sales experience (preferred but not required): Previous sales success or customer service background is helpful
• Communication skills: Excellent verbal and written communication abilities
• Problem-solving mindset: Ability to listen to concerns and develop practical solutions
• Financial literacy: Basic understanding of financial concepts (we provide comprehensive training)
• Remote-capable: Comfortable working in a virtual environment with strong self-discipline
• Tech-savvy: Able to quickly learn and use sales platforms, CRM systems, and communication tools

Legal & Personal Requirements

• U.S. citizens or green card holders: Valid work authorization required
• Local compliance: Ability to comply with state and local insurance regulations
• Professional license: Willingness to obtain necessary insurance licenses (we support this process)
• Commitment: Dedicated to building a career in life insurance sales
• Reliability: Punctual, dependable, and committed to client service excellence

Ideal Candidates

We’re looking for people who:

• Dream of building their own business without the burden of traditional business ownership overhead
• Want to help families and create real impact while earning excellent income
• Value flexibility, autonomy, and the opportunity to control their own financial destiny
• Are tired of corporate environments and quotas; they want to be rewarded for genuine results
• Believe that sales can be ethical, consultative, and genuinely helpful to customers
• Are ready to invest in themselves through training and skill development
• Seek mentorship and growth in a supportive, values-driven culture

Why Join The Stephens Agency?

Income & Financial Freedom

• Earn what you deserve: 100% commission structure means your effort directly translates to income
• Unlimited earning potential: Top performers earn substantially more than average ranges
• Regular raises: 5% increases every 2-3 months reward your growing success and skill development
• No quotas: Success is your own measurement—earn based on genuine results, not arbitrary targets
• Build your business: Create recurring revenue through client relationships and renewables

Work Environment & Culture

• Next-level culture: Accountability, growth, and genuine fun define our workplace
• Supportive team: Surrounded by like-minded professionals committed to mutual success
• Flexible work: Remote-capable roles that allow you to integrate work with your life
• Values-driven: Built on faith, focus, and relentless drive—meaningful work that matters
• Celebration of success: Your wins are recognized and celebrated by the entire team
• Positive environment: Encouragement and collaboration, not internal competition

Development & Support

• Comprehensive training: Full onboarding and ongoing education on products, sales techniques, and industry best practices
• Mentorship: Learn from experienced agents and leadership who are invested in your success
• Coaching: Regular feedback and guidance to help you refine your approach and improve results
• Resources: Access to sales tools, materials, scripts, and support systems
• Professional development: Opportunities to grow beyond sales into leadership roles if desired
• License support: Assistance obtaining necessary insurance licenses and certifications

Personal Impact & Legacy

• Serve families: Make a real difference protecting what matters most to families
• Build a legacy: Create lasting relationships and financial security for your own family
• Time freedom: Build a business that works around your life, not the other way around
• Personal fulfillment: Work with integrity, knowing you’re genuinely helping people
• Community impact: Contribute to financial security and stability in your community
• Align with values: Work for a company built on faith, integrity, and genuine purpose

Day-to-Day Experience

Morning: You start your day reviewing warm leads—families who’ve already requested life insurance information. You prepare for client calls by reviewing their situations and thinking about how you can best serve them.

Mid-morning: You conduct consultative calls with interested families. You listen to their concerns, explain coverage options in clear language, and help them understand how different plans protect their households. Conversations feel natural because these are genuinely interested prospects.

Afternoon: You follow up with families who need more time to decide, provide additional information to prospects with questions, and begin closing with clients who are ready to move forward. Each successful close feels rewarding because you know you’ve genuinely helped a family secure their financial future.

Throughout the day: You have access to your leadership team for quick questions, celebrate wins with teammates, and continuously refine your approach based on feedback and best practices.

End of day: You document your interactions, plan for tomorrow, and reflect on the families you’ve helped and the commission you’ve earned.

Application & Getting Started

Application Process

1. Submit your resume highlighting your sales experience, customer service background, or relevant work history
2. Complete our application questionnaire about your sales philosophy and motivation
3. Share your story: Tell us what attracted you to this opportunity and what you hope to achieve
4. Brief screening conversation: We’ll discuss your background, goals, and fit for our team
5. Meet the team: Interview with leadership to discuss culture fit and expectations
6. Offer & onboarding: Upon acceptance, we’ll schedule your start date and comprehensive training

What Sets You Apart

• Demonstrated sales success or customer service excellence
• Evidence of self-motivation and ability to work independently
• Clear communication skills
• Genuine desire to help families and serve with integrity
• Enthusiasm for building your own business
• Values alignment with faith, focus, and relentless drive

Next Steps

• Training program: Comprehensive onboarding covering products, sales techniques, client management, and licensing
• Mentorship: Assignment to an experienced agent/mentor to guide your early weeks
• Licensing support: Assistance obtaining necessary state insurance licenses
• Launch: Start working with warm leads and building your client base

Frequently Asked Questions

Q: Do I need prior sales experience?
A: Not required! We value attitude and coachability over experience. We provide comprehensive training and mentorship.

Q: Is this really 100% commission?
A: Yes. Your entire income is commission-based. This means you control your earning potential—the more you sell, the more you earn.

Q: What if I don’t close a sale?
A: Every conversation is a learning opportunity. We focus on skill development and improvement. No quotas means no pressure—just focus on serving clients well.

Q: Do I need to get licensed?
A: Yes, you’ll need appropriate insurance licenses. We support and guide you through the licensing process.

Q: How much training do I receive?
A: Comprehensive training covering all aspects of the role—products, sales techniques, client management, and industry knowledge. Plus ongoing coaching and mentorship.

Q: Is this remote or in-office?
A: Primarily remote-capable with flexibility based on your preference and team needs. Our focus is on results, not location.

Q: What if I want to build a larger team?
A: Absolutely! We support agents who want to transition into leadership and build their own teams. It’s a natural progression for successful agents.

Q: How does the 5% raise work?
A: Every 2-3 months, as you build your skills and success, your earning potential increases by 5%. This compounds over time.

Q: Can I do this part-time?
A: Yes, many agents start part-time while transitioning from other roles. You can build it into a full-time career at your own pace.

Q: What’s the culture really like?
A: Supportive, values-driven, and genuinely fun. We celebrate wins, support each other, and believe in work-life balance. It’s a team committed to mutual success.

The Stephens Agency Difference

We’re not your typical insurance sales job. We’re building a movement—a community of agents committed to:

• Ethical sales: Recommending solutions that genuinely serve families, not just maximize commissions
• Financial freedom: Creating paths to genuine wealth and independence for our agents
• Work-life balance: Success that doesn’t require sacrificing your family, health, or values
• Meaningful impact: Work that matters because you’re protecting what families care about most
• Community: A supportive team environment where success is celebrated and shared
• Growth: Continuous development, mentorship, and pathways to leadership

This is more than a job. It’s an opportunity to build your own business, earn exceptional income, serve families with integrity, and create lasting change in your life and community.

Equal Opportunity Statement

The Stephens Agency is committed to equal opportunity employment and creating an inclusive workplace. We welcome applications from candidates of all backgrounds, experiences, and perspectives. We are dedicated to building a diverse team and providing equal opportunities for professional growth, success, and advancement.