Life Insurance Producer

Compensation

This is a commission-only role on a 1099 basis, with two compensation plans you select at signing. The top-tier split reaches up to 75% of agency commission. Settlements are monthly, on the 20th.

The Opportunity

As a Life Insurance Producer at The Agent’s Office®, you advise families and business owners on the coverage that protects them — permanent life, indexed universal life, term, and final expense. We are an independent agency, so you place each case with the carrier that fits the client’s situation rather than forcing a single company’s product.

This is a self-sourced production role. You build your own pipeline through daily prospecting, which can include cold-calling, along with referral partnerships, networking, and a personalized lead-generation landing page the agency provides. The commission structure is built with enough margin for you to reinvest in your own lead purchases and marketing, and we provide the infrastructure, training, and resources to help that spend perform.

You choose one of two compensation plans at signing — one built for producers who close fewer, larger cases, and one for producers who write higher volume. You select the structure that pays you most for the way you actually sell.

Your Role

• Prospect & Build Pipeline: Generate your own opportunities through daily prospecting — including cold-calling — referral partnerships, networking, and your personalized lead-generation landing page.
• Analyze & Advise: Conduct needs analysis and present suitable coverage for each client’s situation across permanent life, IUL, term, and final expense.
• Design & Place: Match the right carrier and product to the client using the independent shelf. Present illustrations and deliver replacement disclosures when required.
• Document & Retain: Keep clean records in AgencyZoom and place business that is suitable and built to stay in force — persistency is part of how the compensation plan works.

Who We’re Looking For

• Licensed: Active Texas Department of Insurance Life producer license, required at time of hire. Texas resident producer status.
• Self-Sourcing: You can build your own pipeline through daily prospecting, including cold-calling, and you’re willing to invest in your own lead generation and marketing.
• Experienced (preferred): Prior life or commission-only sales experience, with comfort around needs analysis, suitability, illustrations, and replacement disclosure.
• Long-Game Mindset: You understand life insurance is a multi-decade promise, and you place business that is suitable and built to persist.
• Comfortable With the Structure: You’re ready to operate as a 1099 independent contractor on commission, maintaining your own licensing, CE, and taxes.
• Values-Aligned: Integrity, stewardship, and excellence are the foundation of how we serve.

What We Provide

• A-Rated Carrier Shelf: Independent access across permanent life (whole life, IUL, variable where licensed), level and return-of-premium term, final expense, and specialty markets.
• Personalized Lead-Generation Landing Page: Your own branded page to drive traffic and capture prospects.
• Technology Stack: AgencyZoom CRM with pre-built life pipelines, agency management system, and phone system access.
• Marketing Infrastructure: The infrastructure, training, and resources to optimize whatever marketing you choose to invest in.
• A Comp Structure Built to Reinvest: Designed to give you the margin to fund your own lead purchases and marketing.
• Founder Mentorship: Direct coaching from George Azide and Mayra Azide, both still actively writing cases — including illustrations, case design, and product training across the shelf.
• Remote Flexibility: Work across Texas with a Frisco-based team behind you.

How the Role Works

• Engagement: 1099 independent contractor, commission-only. You maintain your own licensing, CE, and taxes.
• Plan Selection: You choose Plan A or Plan B at signing; the election is permanent once signed. Tiers reset every January 1.
• Appointments: The agency holds the carrier appointments; you produce as an authorized sub-producer.
• Renewals: Renewal commissions are retained by the agency. You earn through new-business commission and the bonus stack on your selected plan.
• Persistency & Reserve: Keeping the 75% top-tier rate requires 85%+ rolling 13-month persistency (you’re exempt during your first 13 months). Up-front commissions carry a 10% persistency reserve released after month 6.
• Chargebacks: If a policy lapses early, a portion of paid commission is reversed on a five-year declining schedule (100% in year one, stepping down to 50% in year five).

Ready to Apply?

If you’re a licensed Texas Life producer ready to build your own pipeline with an A-rated shelf, real infrastructure, and a commission structure that rewards what you write — submit your application.