Life Insurance Agent

Compensation You Can Understand

This is a remote, commission-only 1099 independent contractor opportunity. One consistent producer percentage applies across qualifying life business. Your compensation starts with verified carrier commission receipts.

The 60% rate applies to eligible carrier-paid commission. It does not apply to policy premium. The quarterly bonus is 5% of eligible paid base producer commission, not an additional five percentage points of carrier commission. There is no guaranteed salary or income.

The Opportunity

As a Life Insurance Agent at The Agent’s Office®, you help families and business owners consider protection for income, financial responsibilities, and the people who depend on them. Work with term life, permanent life, indexed universal life (IUL), and final expense coverage, subject to carrier availability and your authorization.

This is a self-sourced production role. Build your pipeline through prospecting, which can include cold-calling, referral partnerships, networking, and your own marketing. We provide agency systems, independent carrier access, and mentorship to support your work.

Work remotely from anywhere in Texas, including Frisco, Plano, McKinney, Allen, Prosper, Celina, Denton, and the wider DFW area. Our agency is headquartered at Frisco Station.

See How the Calculation Works

Here is a hypothetical example using $10,000 in eligible carrier-paid commission. This is the commission received from the carrier, not the client’s premium.

1. Calculate base producer commission:
   $10,000 × 60% = $6,000.
2. Calculate the qualifying quarterly bonus:
   If all $6,000 is eligible base producer commission paid during the same qualifying quarter, $6,000 × 5% = $300.
3. Add the two components:
   $6,000 + $300 = $6,300.

This example assumes bonus qualification and that all stated receipts and paid base commission are eligible under the written agreement. Figures are before taxes, business expenses, and applicable adjustments. The example is not an earnings forecast or a guarantee of payment.

Your Role

• Prospect and build your pipeline: Develop opportunities through self-directed outreach, referral partnerships, networking, and marketing.
• Understand the client: Conduct a needs analysis, discuss existing coverage and financial responsibilities, and consider the client’s budget and goals.
• Explain coverage clearly: Present appropriate life insurance options and explain policy features, costs, limitations, and any applicable illustrations.
• Design and place cases: Match available carriers and products to the client’s circumstances within your licensing and carrier authority. Complete required applications and disclosures.
• Document and follow through: Keep accurate records in AgencyZoom, follow up on underwriting and outstanding requirements, and support clients through policy delivery.

Who We’re Looking For

• Licensed in Texas: An active Texas life insurance license appropriate to the role is required at time of hire.
• Ready to advise: Complete applicable carrier training, appointments, authorization, and agency onboarding requirements before submitting business.
• Self-directed: You are comfortable working remotely in Texas, developing your own opportunities, and managing client follow-up.
• Sales experience preferred: Prior life insurance or commission-only sales experience is helpful, particularly needs analysis, illustrations, case preparation, and required disclosures.
• Prepared for independent work: You understand the commission-only 1099 structure and the need to manage your business expenses and marketing investment.
• Values aligned: Integrity, honesty, service, stewardship, accountability, and excellence guide how you work.

What We Provide

• Independent life carrier access: Options across term, permanent life, IUL, and final expense coverage, subject to carrier availability and your authorization.
• AgencyZoom CRM: Tools for managing prospects, follow-up, opportunities, and documented client activity.
• Agency technology: Agency management and phone system access to support your client work.
• Training and resources: Available agency resources to support product knowledge, case preparation, and your marketing efforts.
• Founder mentorship: Guidance from George Azide and Mayra Azide, who remain involved in the agency’s production and operations.
• Remote flexibility: Work from your Texas location with an independent agency headquartered in Frisco.

Resources depend on the role, carrier authorization, availability, and written program terms. You are responsible for developing your pipeline; no lead volume is guaranteed.

How the Role Works

• Independent contractor: This is a commission-only 1099 engagement. You maintain your licensing and continuing education and are responsible for your taxes and business expenses.
• One consistent producer rate: The base rate is 60% of eligible carrier-paid commission across qualifying life business. There is no choice between separate compensation plans.
• Qualifying quarterly bonus: The 5% bonus uses eligible base producer commission paid during the qualifying quarter and follows the written agreement.
• Carrier authority: Produce through the agency’s carrier relationships with the appointments, training, and authorization required for each product.
• Renewals: Renewal commissions are retained by the agency. The compensation described here concerns qualifying new-business production.
• Written terms: Your agreement governs compensation eligibility, commission adjustments, cancellations, and program terms.

Questions Before You Apply