Insurance Broker Work from Home

TheTiptonAgency; United States; Remote; USD 60,000 - 80,000; Full time

Job summary

An innovative brokerage is seeking motivated individuals for a flexible remote role as a Field Underwriter. This position allows you to set your own hours while helping families find optimal coverage options. With no income caps and a commission structure that rewards your efforts, you can earn a substantial income while enjoying the freedom of remote work. You'll be part of a supportive team that values exceptional customer service and a positive work culture. If you're ready to make a meaningful impact and grow in your career, this opportunity is perfect for you.

Qualifications

• No prior experience in insurance or underwriting principles required.
• Ability to manage multiple priorities with strong attention to detail.

Responsibilities

• Collaborate with families seeking coverage and evaluate risk.
• Submit applications to suitable carriers and support the underwriting process.

Skills

Analytical Skills

Communication Skills

Interpersonal Skills

Attention to Detail

Ability to Work Independently

Service-oriented Mindset

Strong Work Ethic

Education

Life, Health, and Accident License

Job description

Role Description

This flexible role can be full-time, part-time, or a second job, and is fully remote as a Field Underwriter. Set your own hours and schedule, working in the time zones and states that best suit you. The Field Underwriter will collaborate with families seeking coverage, evaluate risk, and identify the optimal coverage options for each family. Responsibilities include submitting applications to the most suitable carriers and supporting the underwriting process. Leads, both qualified and compliant, are generated by our brokerage through direct mail, call-ins, and digital platforms. There is no cold calling involved. The Field Underwriter must deliver exceptional customer service and maintain high accuracy and attention to detail.

Compensation Structure

This is a 1099 position with commission rates starting at 80% of Annual Premium Value (APV) and going up to 130% APV, along with bonuses and potential equity ownership. Once you achieve a higher commission rate, it remains permanent; there are no ongoing criteria to maintain or keep it. Agents earn commissions based on their production level and receive overrides on their agency's policies based on the differential between their contract rate and the rate of each agent in their agency. Commissions are paid in advance: 75% upon issuance and 25% in months 10, 11, and 12. Agents can attain legal ownership at the 105% contract level with six writers, without any capital contribution required.

There are no income caps or minimum quotas. New, average part-time agents typically earn $3,000-$5,000 per month in commissions for 15-20 hours of work per month (around six policies), which equates to approximately $70,000 per year. Unlicensed agents with no prior experience often start part-time on their own schedule before transitioning to full-time after training. Full-time average agents earn $15,000-$17,000 per month in deposits (15-20 placed policies), totaling $150,000-$200,000 annually. Passive agency income would be additional to these personal production averages. The brokerage and carriers also offer bonuses and reward trips.

Qualifications

• Strong analytical and critical thinking skills
• Excellent communication and interpersonal skills
• Ability to work independently and remotely, while also being a team player
• No prior experience in the insurance industry or underwriting principles required
• Strong attention to detail and ability to manage multiple priorities
• Current Life, Health, and Accident state license is a plus, but not required
• A person who enjoys helping others and seeks a positive, growth-oriented culture
• Fun, gets things done, and always does the right thing, even when no one is looking
• Service-oriented mindset
• Strong work ethic and a desire to make a positive impact

To Apply

Follow the response directions and prescreening questions. If selected for an interview, you will be provided with a link to schedule your interview.

Note: We do not accept phone calls — please apply online.