Company: Phil-Am Insurance Agency

Location: Remote, in states where Phil-Am is licensed

Compensation: Commission only — no base salary or hourly pay

Position type: Independent contractor (1099)

Build your business. Choose your direction.

Build a life insurance business around your initiative, relationships, and goals. At Phil-Am Insurance Agency, independent agents have the opportunity to work remotely, develop their client relationships, and help individuals and families find suitable financial protection.

Whether you’re an experienced agent or exploring a new career, we welcome motivated people who want greater independence and an active role in growing their business.

Choose how you grow

• Build through your own network and referrals, pursue inbound sales-call opportunities, or combine both approaches.
• Independent prospecting: Develop business through relationships, referrals, community connections, and permitted marketing activities.
• Inbound sales-call opportunities: Access prospective clients through an available inbound-call program.
• Commission and call-support options: Depending on the commission level you select, Phil-Am may cover inbound-call costs. Company-funded calls are available under qualifying commission arrangements; other arrangements may require you to pay per inbound call.

We’ll explain the available commission levels, call-cost responsibilities, and program terms before you choose an arrangement. Call availability and sales results are not guaranteed.

Your opportunity

• Work remotely: Build your business from an eligible state without a daily office commute.
• Take ownership of your growth: Develop an approach that fits your strengths, experience, and goals.
• Choose your support arrangement: Consider the balance of commission rates and inbound-call support that works for you.
• Earn through your production: Receive commissions on qualifying sales under your agreement.
• Make a meaningful difference: Help clients understand life insurance options and make informed decisions.
• Get help becoming licensed: Not licensed yet? You may still apply. We can help you navigate the licensing process.

What you’ll do

• Develop prospective client relationships through your own outreach, available inbound sales calls, or both.
• Listen to clients and understand their coverage needs and financial goals.
• Once properly licensed and appointed, explain suitable life insurance options and assist with applications.
• Follow up with prospects and clients throughout the application process.
• Organize your sales activity and maintain accurate records.
• Follow applicable insurance, marketing, and carrier requirements.

Who we’re looking for

• Self-motivated people interested in building an independent insurance business.
• Strong communicators who listen, explain clearly, and follow through.
• Candidates comfortable speaking with prospective clients and developing relationships.
• People who can manage their work independently in a remote setting.
• Licensed life insurance agents—or candidates willing to obtain the required license before conducting licensed activities.
• Experience in sales, insurance, customer service, or business ownership is helpful.

Understand the opportunity

This is a commission-only, 1099 independent-contractor opportunity, with no base salary or hourly pay. Compensation varies based on production and the commission and call-support arrangement selected. Earnings are not guaranteed.

Inbound-call costs may be covered by Phil-Am under qualifying commission arrangements. If your selected arrangement includes agent-funded calls, you will be responsible for the disclosed per-call charges. An inbound call does not guarantee a sale.

State eligibility, individual licensing, carrier appointments, and contract terms apply.

Ready to build something of your own?

Apply with your résumé and tell us:

• Are you currently licensed? If so, in which states?
• What interests you about building an independent life insurance business?
• Are you interested in generating your own prospects, working inbound sales calls, or both?

Build relationships. Help protect families. Grow your business with Phil-Am.