Job Description

Company Description

The Tipton Agency (TA) is a comprehensive life insurance and retirement solutions provider. Partnered with a prominent national brokerage firm, TA eliminates barriers and offers robust support, enabling every agent to achieve success by adhering to a step-by-step, proven process. As a rapidly expanding independent agency, TA is dedicated to delivering diverse life insurance, retirement solutions, and annuity options at competitive rates tailored to meet each family's unique needs. Our licensed representatives operate as independent brokers, equipped with resources to safeguard families through every life stage. TA provides its agents with cutting-edge, proprietary technology and extensive training. We offer multiple value-based lead generation platforms, ensuring agents have all the necessary resources to thrive in both analog and digital environments, regardless of their location or time zone. Our leads seamlessly integrate with a digital CRM, complete with a mobile app, allowing agents to operate from anywhere using their smartphones. Through our brokerage, TA manages all contracting with top-rated national carriers, many of which offer exclusive policies through our firm, adding even greater value for our clients.

Role Description

This flexible role can be full-time, part-time, or a second job, and is fully remote as a Field Underwriter. Set your own hours and schedule, working in the time zones and states that best suit you. The Field Underwriter will collaborate with families seeking coverage, evaluate risk, and identify the optimal coverage options for each family. Responsibilities include submitting applications to the most suitable carriers and supporting the underwriting process. Leads, both qualified and compliant, are generated by our brokerage for agents through direct mail, call-ins, and digital platforms. There is no cold calling involved. The Field Underwriter must deliver exceptional customer service and maintain high accuracy and attention to detail.

Compensation Structure

This is a 1099 position with commission rates starting at 80% of Annual Premium Value (APV) and going up to 130% APV, along with bonuses and potential equity ownership. Once you achieve a commission rate promotion, it remains permanent; there are no criteria to maintain or keep it. Agents earn commissions based on their production level and receive overrides on their agency's policies based on the differential between their contract rate and the rate of each agent in their agency. Commissions are paid out in advance: 75% upon issuance and 25% in months 10, 11, and 12. Agents can attain legal ownership at the 105% contract level with six writers without any capital contribution required.

There are no income caps or minimum quotas. New, average part-time agents typically earn $3,000-$5,000 per month in commission for 15-20 hours of work per month (around six policies), equating to approximately $70,000 per year. Unlicensed agents with no prior experience often start part-time on their own schedule before transitioning to full-time after training. Full-time average agents earn $15,000-$17,000 per month in deposits (15-20 placed policies), equating to $150,000-$200,000 per year. Passive agency income would be additional to these personal production averages. The brokerage and carriers offer bonuses and reward trips.

Qualifications

• Strong analytical and critical thinking skills

• Excellent communication and interpersonal skills

• Ability to work independently and remotely, while also being a team player

• No prior experience in the insurance industry or underwriting principles required

• Strong attention to detail and ability to manage multiple priorities

• Current Life, Health, and Accident state license is a plus, but not required

• No degree required

• A person who enjoys helping others and seeks a positive, growth-oriented culture

• Fun, gets things done, and always does the right thing, even when no one is looking

• Service-oriented mindset

• Strong work ethic and a desire to make a positive impact

Base Salary

$60,000/yr - $200,000/yr

Exact compensation may vary based on skills, experience, and location.

*** You DO NOT have to be licensed in order to apply, however, a Life and Health Insurance License is required for the position and will need to be issued prior to starting your training. If hired, we will help un-licensed candidates through the licensing process. ***

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