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Independent Life Insurance Agent
Job
Merit Financial USA
Remote
Full-Time
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Job Description
This is a 1099 independent contractor opportunity — not an employment position. About Merit Financial USA Merit Financial USA is a veteran-founded financial services agency with a mission to educate, protect, and help families build lasting wealth. We take an education-first approach — providing clarity today, security tomorrow, and legacy forever. We partner with top-rated carriers to deliver life insurance, Indexed Universal Life (IUL), and annuity solutions to all families we serve. We are expanding our network of independent licensed agents who share this mission. About This Opportunity Compensation is 100% commission-based. There is no base salary, hourly wage, or draw. You will operate independently with full control over your client relationships, schedule, and sales approach. You set your own schedule and determine your own methods of operation. What You'll Do Conduct education-based financial needs assessments with families seeking life insurance and retirement protection Present and explain insurance products from multiple A-rated carriers Guide clients through the application and underwriting process Build and maintain your own book of business through referrals and personal marketing What We Provide Structured onboarding program for new agents Access to state-certified pre-licensing study materials and onboarding support Product training and ongoing mentorship from experienced professionals Back-office support including quoting tools, application processing, and case management Qualified leads available through our Leads Assist program (application and approval required) Competitive commission structure paid directly by carriers Qualifications No insurance license or prior experience required; pre-licensing study materials and onboarding support available for candidates ready to obtain their license Self-directed professional with strong communication skills Genuine interest in helping families build and protect their financial legacy Prior sales, military, or financial services experience is a plus but not required We value coachability, character, commitment, and communication — these traits matter more than experience Learn more at meritfinancialusa.com Application Question(s): Are you comfortable with 100% commission-based compensation with no base salary or hourly wage? Are you willing to complete the process of obtaining your state Life insurance license, if not already licensed? Insurance agent licensing requires applicants to pass a state-mandated background check as part of the licensing process. Are you able and willing to complete this requirement? Since this is a remote position, you'll need a personal computer, webcam and reliable internet. Do you have access to these three?