Life Insurance Specialist

Life insurance specialists focus on life insurance sales - term life, whole life, universal life, and insurance for estate planning and business purposes.

You assess coverage needs, explain policy types, present illustrations, and help with underwriting.

Commissions are substantial (50-110% of first year premium, 2-10% renewals).

Selling 40-80 policies annually generates $80,000-$250,000+ with 90-95% margins.

Target clients include young families needing protection, high-income individuals for estate planning, business owners for buy-sell agreements, parents with dependents, and anyone with coverage needs.

Services include needs analysis, policy comparisons and illustrations, underwriting assistance, policy delivery and setup, beneficiary planning, and policy reviews.

Success requires obtaining life insurance license, understanding life insurance products and underwriting, sales skills including asking about death, building referral networks (CPAs, attorneys), and persistence through underwriting process.

Many life insurance agents specialize in niches (final expense for seniors, high-net-worth estate planning), work with financial advisors for referrals, potentially sell other products (disability, long-term care), build case design skills for complex situations, and create recurring income through renewals.