Becoming a remote life insurance agent doesn't require a background in sales or finance. Here's what the actual path looks like, step by step.
Step 1: Get licensed in your state
Every state requires a life insurance producer license before you can sell. Requirements vary — some states require pre-licensing coursework (commonly 20 hours), others have eliminated that requirement in recent years and only require passing the state exam. Either way, you'll need to pass a state exam administered through your state's Department of Insurance. Check our state-by-state pages for the specific requirement in your state — we keep real, sourced data on exactly what's required where.
Step 2: Choose who you're going to work with
Most new agents don't go it alone — they join an agency or team that provides training, lead access, and mentorship, and sell that team's contracted carrier products. This matters more than it sounds: going solo means sourcing your own leads and carrier appointments from day one, which is a much steeper climb for someone new.
Step 3: Complete onboarding and training
Once licensed, legitimate teams walk you through carrier systems, how to talk through policy options, and how to run a sales call — usually over video, since this is remote work. This is the phase where you go from "licensed" to "actually able to close a sale."
Step 4: Start working leads
This is the actual job: connecting with people who've expressed interest in life insurance, walking them through their options by phone or video, and helping them choose and apply for a policy that fits. Commission is paid per policy sold.
What it actually takes
No prior sales experience is required — most agents come from completely different careers. What matters more is consistency: showing up for calls, following up, and treating the licensing process and training seriously instead of rushing it. Compensation is commission-based and not guaranteed; results depend on effort and skill, same as any sales role.
Remote life insurance sales is commission-based. Licensing is required. Training is provided. Results are not guaranteed and depend on effort, skill, consistency, follow-up, and market conditions.
Ready to start? Apply here — it takes about 2 minutes, and we'll walk you through licensing from there.