Remote Insurance Broker

Torrey Holistics; Salt Lake City (UT); Remote; USD 30,000 - 200,000; Full time

Job summary

A growing independent agency is seeking Field Underwriters who can work flexibly and remotely. This role involves assessing coverage needs for families, submitting applications to carriers, and ensuring excellent service. Ideal candidates will possess strong analytical skills and be committed to helping others thrive in a positive culture.

Benefits

Flexible working hours

Remote work capabilities

Commission-based earnings

Bonuses and reward trips

Qualifications

• Strong analytical and critical thinking skills required.
• Excellent communication and interpersonal skills essential.
• Ability to work independently while being a team player.

Responsibilities

• Engage with families seeking coverage and assess risk.
• Submit applications and assist in underwriting processes.
• Provide customer service while maintaining accuracy.

Skills

Analytical skills

Communication

Interpersonal abilities

Attention to detail

Education

Current Life, Health, and Accident state license

Job description

The Tipton Agency (TA) is a leading provider of life insurance and retirement solutions. In partnership with a national brokerage, TA removes obstacles and provides extensive support, allowing agents to succeed through a structured, proven methodology. As a growing independent agency, TA focuses on offering a variety of life insurance, retirement products, and annuities at competitive prices tailored to individual family needs. Our licensed agents function as independent brokers, equipped with resources to protect families at every life stage. TA supplies its agents with advanced, proprietary technology and comprehensive training.

We provide various value-driven lead generation platforms, ensuring agents have all the tools necessary to excel in both traditional and digital settings, irrespective of their location or time zone. Our leads integrate seamlessly with a digital CRM, featuring a mobile application that enables agents to work remotely using their smartphones. Through our brokerage, TA handles all contracting with top-rated national carriers, many of which offer exclusive policies through our agency, enhancing value for our clients.

Role Overview

This adaptable role can be pursued full-time, part-time, or as a secondary job, and is entirely remote as a Field Underwriter. You have the flexibility to set your own hours and work in the time zones and states that suit you best. The Field Underwriter will engage with families seeking coverage, assess risk, and determine the best coverage options for each family. Responsibilities include submitting applications to the most appropriate carriers and assisting in the underwriting process. Our brokerage generates qualified and compliant leads for agents via direct mail, call-ins, and digital platforms, eliminating the need for cold calling. The Field Underwriter is expected to provide outstanding customer service while maintaining high accuracy and attention to detail.

Compensation Structure

This is a 1099 position with commission rates beginning at 80% of Annual Premium Value (APV) and reaching up to 130% APV, in addition to bonuses and potential equity ownership. Once you achieve a promotional commission rate, it is permanent; there are no criteria to maintain it. Agents earn commissions based on their production levels and receive overrides on their agency's policies based on the difference 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 commission for 15-20 hours of work per month (around six policies), which translates to approximately $70,000 annually. 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), amounting to $150,000-$200,000 per year. Passive agency income would be in addition to these personal production averages. The brokerage and carriers also provide bonuses and reward trips.

Qualifications

• Strong analytical and critical thinking skills
• Excellent communication and interpersonal abilities
• 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 mandatory
• 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