Licensed Life Insurance Broker

Frontline Recruiting; Oregon; Hybrid; USD 60,000 - 150,000; Full time

Benefits offered by this job

Remote work

Inbound calls

No cold calling

Job summary

Liberated Financial is seeking licensed life insurance agents who will work with live inbound calls, review client needs, and propose appropriate coverage options. This role emphasizes independence, training, and scalable production within a remote/office hybrid setup.

Commission-based structure starts at 85% with growth to 120% for personal production and up to 145% for team production; candidates should be comfortable using multiple software platforms and a Discord-enabled virtual office.

Qualifications

• Must hold an active life insurance producer license
• At least 10 active state licenses
• Ability to obtain appointments with core carriers

Responsibilities

• Handle inbound calls from consumers
• Review current policies and identify gaps
• Present suitable coverage recommendations
• Close applications over the phone
• Complete applications accurately and promptly
• Follow up on pending cases and improve placement
• Participate in training and adopt our sales process
• Collaborate with team in a virtual office environment

Skills

Licensed life insurance agent

Active state licenses

Phone sales

Tools

CRM software

Discord

Job description

Licensed Life Insurance Broker

Live Inbound Calls. Multiple Carriers. Real Growth Potential.

Tired of spending most of your day prospecting instead of actually selling? At Liberated Financial, powered by Eterna Insurance Solutions, we've built a sales model designed to help licensed agents spend more time closing business and less time chasing down potential clients. Instead of cold calling, buying lists of aged leads, or constantly following up with people who won't answer, our agents work with live inbound calls from consumers reaching out about their life insurance coverage. Many callers already have an existing policy. Your role is to review their situation, identify opportunities to improve their coverage, and help them find the right solution when it makes sense. We provide the infrastructure, carrier access, training, and support. You focus on becoming a better producer and growing your business.

The Opportunity

85% Starting Commission | Up to 120% Personal Production | Up to 145% Team Production

We're looking for licensed life insurance agents who are ready to take control of their production. Our agents have access to a live inbound call system where they can invest in their own call volume based on their goals and budget. Whether you're looking to increase your monthly production or build a long-term career in the industry, our platform gives you the flexibility to scale at your own pace.

What makes our opportunity different?

• Live inbound calls instead of traditional cold prospecting
• 85% starting commission with opportunities to advance
• Up to 120% commission based on personal production
• Up to 145% compensation levels for team production
• Access to multiple competitive life insurance carriers
• Ability to control your inbound call investment
• Work remotely or from one of our offices
• Established sales scripts and structured training
• Daily coaching and team support
• Virtual office environment with real-time collaboration
• Systems designed to simplify your day-to-day business
• Opportunities to grow as an individual producer or build a team

Your Day-to-Day Responsibilities

As a licensed agent, you'll be responsible for handling inbound calls and helping clients evaluate their life insurance options. Your responsibilities include:

• Speaking with consumers who call into our system
• Reviewing existing policies and identifying coverage gaps
• Comparing life insurance products across multiple carriers
• Presenting suitable coverage recommendations
• Handling objections and closing applications over the phone
• Completing applications accurately and efficiently
• Following up on pending business to improve placement
• Participating in training and implementing our sales process
• Staying active in our virtual office and collaborating with the team

Virtual Office & Team Environment

Remote doesn't mean working alone. At Liberated Financial, we use Discord as our virtual office, allowing agents to work alongside each other, communicate with leadership, and receive coaching throughout the day. We want our remote agents to have the same support and team environment they would experience working in a physical office. All agents are expected to:

• Be present and active in our Discord virtual office during their scheduled working hours
• Keep their cameras on and microphones unmuted when appropriate for team collaboration and coaching
• Be available for real-time coaching, questions, and assistance
• Participate in team meetings, training, and daily communication
• Maintain a professional, distraction-free workspace
• Be comfortable navigating multiple software platforms and sales systems

Our leadership team is available to help agents with questions, objections, applications, and sales situations as they come up. This isn't a position where you log in, disappear for the day, and work completely independently. We believe agents perform better when they're surrounded by other motivated producers who can share ideas, learn from each other, and improve together. You must be comfortable using technology.

Industry and Carrier Requirements

Our business operates through online sales platforms, CRM systems, carrier portals, communication software, and our virtual office. You don't need to be a technology expert, but you must be capable of learning and confidently using the systems required to do your job.

Who We're Looking For

• Minimum active life insurance producer license
• At least 10 active state licenses
• Ability to obtain appointments with a minimum of 3 of our core carriers
• Comfortable communicating and selling over the phone
• Willingness to invest in inbound calls and your business
• Strong work ethic and ability to maintain a consistent schedule
• Comfortable working in a camera-on, collaborative virtual office environment
• Ability to operate computers, CRM software, and multiple online platforms
• Reliable internet connection, working webcam, microphone, and appropriate computer equipment
• Open to coaching, training, and following an established system
• Previous life insurance sales experience is preferred but not required. We are open to newer licensed agents who are willing to learn and take their business seriously.

Carrier Contracting Requirements

Our primary carrier partners include:

• Mutual of Omaha
• Transamerica
• Fidelity Life
• Ethos
• Americo
• American Amicable
• Corebridge Financial
• Foresters Financial

To qualify for contracting, you must not have submitted business within the previous 6 months with at least 3 of the carriers listed above. You must also be willing and eligible to release or terminate outside life insurance contracts that would interfere with appointments through our organization. We'll review your existing contracts and carrier eligibility before moving forward with onboarding.

How We Get You Started

• Week 1: Getting Set Up Complete your onboarding paperwork, review your carrier eligibility, and begin the contracting process.
• Week 2: Training & Preparation Attend our 3-day orientation with a national trainer, become familiar with our scripts and systems, get set up in our Discord virtual office, and finalize your carrier appointments.
• Week 3: Start Taking Calls Once you have at least 3 approved core carrier appointments and 10 active state licenses, you'll be eligible to begin receiving inbound calls. You'll work alongside our team through our virtual office, with access to coaching and assistance as you begin taking calls. Our focus is making sure you have the tools and preparation necessary before you start investing in your production.

Office Locations & Remote Opportunities

We offer agents the flexibility to work from home or join us in an office environment. Current office locations:

• Houston, TX
• Tampa, FL
• Orlando, FL
• West Palm Beach, FL

Qualified remote agents are welcome to apply. However, working remotely with us is different from a traditional work-from-home position. We operate as a connected team through our Discord virtual office, and agents are expected to be present, engaged, and available for collaboration throughout their workday. You'll have the flexibility of working from home while still being part of an active sales floor.

Compensation & Growth Potential

Start at 85% Commission. Grow to 120% or 145%. At Liberated Financial, we believe your compensation should reflect the business you're producing. Every agent begins at 85% commission, with the opportunity to advance through our compensation structure as production increases.

We offer two paths for agents looking to grow:

• Individual Producer: Up to 120% Commission. If your focus is selling life insurance and maximizing your personal production, you can work your way up our commission ladder based on your individual results. You don't have to recruit or manage a team to advance your compensation.
• Agency Builder: Up to 145% Compensation Level. For agents who want to take things further, we offer the opportunity to build and lead a team. As your organization grows and reaches production milestones, you can qualify for higher compensation levels, up to 145%. Whether you want to be a top-producing closer or eventually develop your own team, there's room to grow.

This is a 1099 independent contractor opportunity with 100% commission-based compensation. There is no hourly wage or guaranteed salary. Agents are responsible for purchasing their inbound calls, and actual earnings depend on sales performance, production, placement, and consistency.

Advancement is based on meeting the applicable production requirements and is not guaranteed. We're not going to promise you'll make six figures overnight. Building a successful insurance business requires effort, consistency, and a willingness to improve. What we can provide is the training, technology, carrier access, inbound opportunities, and support to help you work toward your goals.

If your goal is to build toward $10K+ months in commissions, we'll show you the sales process our agents are using and help you develop a plan to pursue that level of production.

Ready for a Different Way to Sell Life Insurance? You already have your license. Now it's time to put it to work. Join a team that prioritizes efficient sales systems, inbound opportunities, professional development, and helping agents build sustainable businesses. No cold calling. No door knocking. No chasing friends and family. Spend less time looking for people to call and more time doing what you got licensed to do: selling life insurance.