Independent Life Insurance Agent

JFZ Final Expense is seeking licensed Life Insurance Agents who want a structured, phone-based sales environment with provided resources, coaching, and ongoing support.

This role is designed for agents who are comfortable speaking with clients, following a proven sales process, and consistently working leads and follow-ups.

An active Life Insurance Producer license is required for this position.

What You’ll Do

As a Life Insurance Agent, you will:

• Contact and follow up with prospective clients
• Conduct life insurance consultations primarily by phone
• Identify client needs, goals, and budget
• Explain suitable life insurance options in clear terms
• Assist clients with completing applications
• Follow up throughout the underwriting and policy-placement process
• Maintain accurate lead and client activity in our CRM
• Participate in ongoing product, sales, and compliance training
• Follow applicable carrier and state insurance requirements

What We Provide

Agents receive access to a structured sales system that includes:

• Provided leads
• CRM and client-management tools
• Proven phone scripts
• Sales coaching
• Product training
• Carrier training
• Compliance support
• Ongoing call and sales-process development
• Access to our Troy, Michigan office
• Team support and mentorship

Agents are not required to purchase leads from JFZ Final Expense.

Products

Agents work with life insurance solutions including:

• Final Expense Insurance
• Whole Life Insurance
• Term Life Insurance
• Mortgage Protection
• Indexed Universal Life Insurance, when appropriate

Who We’re Looking For

We are looking for licensed agents who are:

• Motivated and consistent
• Professional with clients
• Coachable
• Comfortable working by phone
• Able to handle rejection and continue working
• Self-disciplined
• Organized with follow-ups and appointments
• Willing to practice and improve their sales skills
• Comfortable working in a performance-based sales environment

Previous insurance sales experience is preferred, but newly licensed producers are also encouraged to apply.

Licensing Requirement

Applicants must hold an active Life Insurance Producer license before beginning insurance sales activity.

Newly licensed agents are welcome. Prior production experience is not required.

Compensation

This is a 1099 independent-contractor sales position.

Compensation is commission-based and tied to successfully placed insurance business.

There is no hourly wage or guaranteed salary.

Commission levels, carrier payment schedules, chargeback provisions, and production expectations are explained during the interview process before contracting.

Work Environment

• Full-time sales opportunity
• Primarily phone-based
• Hybrid work arrangement
• Troy, Michigan office access
• Limited in-person client meetings
• Ongoing coaching and team support

A Typical Day

A typical day may include:

• Working provided leads
• Making outbound calls
• Conducting scheduled client appointments
• Following up with interested prospects
• Completing applications
• Tracking activity in the CRM
• Reviewing pending underwriting cases
• Practicing scripts and objection handling
• Participating in coaching and product training

This is a production-focused sales role. Success requires consistent activity, strong follow-up, and willingness to improve through repetition and coaching.

Why JFZ Final Expense?

We aim to give agents a clear sales framework rather than expecting them to figure everything out on their own.

Agents have access to the leads, systems, scripts, training, coaching, and support needed to focus on what matters most: speaking with clients and writing quality business.

If you are a licensed Life Insurance Producer looking for a structured sales environment with provided resources and performance-based compensation, we encourage you to apply.

Qualified applicants will be contacted to schedule a brief phone interview.

Pay: $80,000.00 - $200,000.00 per year

Benefits:

• Flexible schedule
• Work from home

Work Location: Hybrid remote in Troy, MI 48083

Salary : $80,000 - $200,000