What are the responsibilities and job description for the Life Insurance Underwriter (Work From Home) position at The Summers Agency?
Leads, both qualified and compliant, are generated by our brokerage for agents
About Us
At The Summers Agency, we're all about helping people protect their families with life insurance and retirement solutions. We’ve partnered with a top national brokerage firm to offer unmatched support for our agents, giving them everything they need to succeed. Our agency is growing fast, and we’re dedicated to providing affordable, tailored insurance options that meet the unique needs of every family we serve. Our agents work independently, but they’re never alone—we provide cutting-edge technology, training, and plenty of leads to ensure everyone can thrive, no matter where they are. Plus, we work with some of the best-rated national carriers and even offer exclusive policies you can’t find anywhere else.
The Role
Looking for a flexible, remote job where you set your own schedule? This Life Insurance Agent role is perfect for anyone who wants to help families find the right coverage, without the hassle of cold calling. Whether you’re looking for full-time or part-time, you can work when and where it fits you. Your main job will be working with families to figure out the best life insurance options for them, submitting applications to the right carriers, and helping with the underwriting process. Leads, both qualified and compliant, are generated by our brokerage for agents and are provided through direct mail, call-ins, and digital platforms—no cold calling required! We just ask that you stay focused, provide top-notch customer service, and pay attention to detail.
Compensation
This is a 1099 position, meaning you’ll earn commission on what you sell. Commission rates start at 80% of Annual Premium Value (APV) and go all the way up to 130% APV, with bonuses and opportunities for equity ownership. Once you get a promotion in your commission rate, it’s yours to keep—no extra work needed to maintain it! You'll get paid in advance—75% when the policy is issued, and 25% in months 10, 11, and 12. You’ll also earn overrides on your agency’s policies.
Here’s the breakdown:
New, part-time agents typically earn $3,000–$5,000 a month (15-20 hours of work, about six policies), which can add up to around $70,000/year.
Full-time agents usually bring in $15,000–$17,000/month (15-20 placed policies), which means $150,000–$200,000/year.
Plus, passive income from your agency and bonuses for hitting certain milestones!
What We’re Looking For
- Ability to obtain a life & health insurance license (we help with this process)
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Someone who’s great at thinking on their feet and solving problems
Excellent communicator—both with clients and the team
A self-starter who’s comfortable working remotely and independently
No experience in insurance? No problem! We’ll train you.
Super detail-oriented and able to handle multiple tasks at once
A person who loves helping others and wants to be part of a positive, growth-driven team
You don’t need a degree, just a strong work ethic and a passion for making a difference
To Apply
Ready to get started? Follow the instructions to apply and answer a few quick prescreening questions. If you’re a good fit, we’ll send you a link to schedule an interview.
Pay Range
$75,000/year - $175,000/year (Compensation depends on skills, experience, and location)
If you’re looking for a rewarding, flexible career with unlimited earning potential, we’d love to hear from you!
Salary : $150,000 - $200,000
