If you’ve ever wondered, “How much do insurance agents actually make?” — you’re not alone. Maybe you’re a mom looking for more flexibility, a professional pivoting from corporate life, or just plain curious about whether this is a realway to create income and impact.
Table of Contents
Understanding How Much Do Insurance Agents Make
Well, friend, let’s noodle it together and get to the bottom of whether or not insurance agents make money. 👇
Before we dive in, let’s consider the question: how much do insurance agents make?
Understanding how much do insurance agents make is essential for anyone considering this career path.
Let’s delve deeper into how much do insurance agents make throughout their careers.
Many people often wonder how much do insurance agents make in different states.
It’s crucial to consider how much do insurance agents make when evaluating potential income.
Understanding how much do insurance agents make can influence your career decisions.
First Things First: There’s No Salary Cap in Insurance
To clarify how much do insurance agents make, let’s look at some statistics.
Clients are often curious to know how much do insurance agents make before working with them.
A common question is how much do insurance agents make as they gain experience.
Unlike a traditional 9–5, insurance agents don’t punch a clock or wait around for annual raises. This career is commission-based — meaning you get paid based on what you help protect. That can sound scary to some, but it’s actually wildly empowering once you understand the possibilities.
Here’s the range you’ll often see related to insurance agent income:
| Experience Level | Typical Annual Income |
|---|---|
| New Agents (Year 1) | \$30K–\$70K |
| Experienced Agents | \$75K–\$150K+ |
| Top 10% of Agents | \$250K–7-figures+ |
And if you build an agency like I’m doing, you get the added benefit of residual income and team overrides? Haven’t heard about residual income + team overrides — that’s when the long-term income potential multiplies and things get SUPER fun!
Residual income is like planting a fruit tree. 🌳
You water it, nurture it, and give it some love upfront… and then year after year, it keeps producing fruit — even when you’re off living your life, doing carpool, or lounging in pajamas with your kiddo on a random Tuesday. 🍎🍊
It’s income that keeps coming in, even after the work is done. THAT is the power of building something once that pays you again and again. It is how I stopped trading time for money and how you can too!
Still have question about residual income?
Forbes often discusses residual income as a form of passive income, emphasizing its potential for financial security and wealth building. It’s described as income that continues to be earned even after the initial effort or investment is made. This can be achieved through various means, including: royalties from creative works, rental income from property, and income generated from investments that provide dividends or interest. If you want to see more from Forbes about residual, click here.
But Wait — I’m Not Just an Agent. I’m a Broker.
This is where it gets good. Not all insurance agents are built the same. Let’s noodle the difference between “captive” and “non-captive” agents for a sec:
1️⃣ I work for my client, not a company.
As a non-captive, independent broker, I’m not limited to one insurance carrier. I get to shop multiple top-rated companies to find what actually fits my client’s needs and budget. That means more value, more options, and zero pressure to sell a company’s favorite product.
💡 This feels better because it IS better — for everyone.
2️⃣ More options = more solutions.
Many ask how much do insurance agents make, considering the commission structure.
When starting out, you may wonder how much do insurance agents make in their first year.
To answer your question, how much do insurance agents make, let’s explore different scenarios.
Many insurance agents often inquire how much do insurance agents make across the industry.
Captive agents can only offer what their company allows. That’s not me. I can serve families with term life, whole life, mortgage protection, final expense, living benefits, and more — all from the best carriers in the game.
💡 No cookie-cutter policies here.
3️⃣ I act like a business owner.
I don’t have a company breathing down my neck with quotas. I set my own goals, I choose my own growth path, and I define what success looks like for me.
💡 HELLO FREEDOM. What works for my family doesn’t have to work for yours — and that’s the beauty of being a broker.
Finally, let’s summarize how much do insurance agents make to help clear any doubts.
4️⃣ Flexibility for days.
Being a non-captive broker gives me flexibility in how I work and when I work. This summer? I’m syncing schedules with my daughter the night before so I can work around the fun she has planned and enjoy time being her mom.
💡 Life-first leadership is the goal.
5️⃣ Client-first integrity.
I don’t have to push something that doesn’t serve someone. My loyalty is — and always will be — to my clients, not a corporate bottom line.
💡 This is non-negotiable for me and for the people that are joining my agency.
So… How Much Can YOU Make as an insurance agent?
Here’s the honest answer: as much as you want — if you’re willing to learn, serve, and grow. This career is not a magic button, but it is a path to both purpose and profit. The best part? You decide what you are worth rather than a corporate office deciding, a boss deciding or a structured job description. How much income do you want? How much income do you need fore your family to live the lifestyle that makes the most sense? Then go build it. No caps in this game! No limitations either!
Whether you’re looking for a little side income or you’re ready to go full-time like I did, know this:
💥 It’s not too late.
💥 It’s not too early.
💥 And it’s absolutely possible.
💭 “But I Don’t Want to Be a Pushy Salesperson…”
Girl, same. That was one of my biggest hesitations too. If the words cold calls and awkward pitches make you cringe, you’re not alone. But let me tell you something real quick: when you lead with integrity, solutions, and a heart to serve — it’s not selling, it’s solving.
I’m not chasing people down or convincing anyone of anything. I’m educating, empowering, and helping families protect what matters most. That’s a whole different energy and vibe.
Most of my clients come from real conversations — referrals, leads (yes we have leads qualified we can purchase), social media, and people watching my content who reach out when they’re ready. It’s connection over commission. Service over pressure.
So if the idea of “sales” has you holding back, just know this: in this business, the best agents are the ones who care. Period.
Want to Learn More?
If you’ve been curious about stepping into this work and partnering with me — even just a little bit — I’d love to chat with you. I’m always happy to share what this career has done for me, is continuing to. do for me and how it might serve your family too.
👉 [Book a quick chat with me here.]
Let’s see if this could be the income + impact pivot you’ve been praying for.
Want to dive even deeper, check out these posts for some more helpful insight:
- Still Trusting a 401(k) in 2025? Let’s Talk About an iul vs 401K
- IUL vs 529 Plans: Which Is Better for Your Child’s Future?
- How to Communicate Your career pivot Vision (And Get Everyone on Board): 6 easy steps
- Create a Clear Vision for Your Career Pivot That Sticks
- Vision Board vs. Identity Board: What’s the Difference (and Why It Matters)
