How to Sell Insurance From Home: The Complete Guide for 2026
Selling insurance from home isn't a side hustle anymore -it's a legitimate career path that's replacing traditional field sales across the industry.
In 2026, more insurance agents work remotely than ever before. No office. No commute. No knocking on doors. Just a phone, a laptop, and a proven system.
This guide covers everything you need to know to start selling insurance from home -whether you have zero experience or you're transitioning from another career. By the end, you'll understand exactly how to get licensed, find leads, make sales, and build a real business.
I'm David Price, founder of The Price Group. I started selling insurance in 2018 with no experience, no connections, and no industry background. Within 36 months, I'd earned over $1 million in commissions. Today, The Price Group has generated $100M+ in production with agents across all 50 states -all working from home.
This guide is the roadmap I wish I had when I started.
What Does Selling Insurance From Home Actually Look Like?
Let's clear up what this career actually involves day-to-day.
The Basics
You're a licensed insurance agent who helps people get coverage over the phone. No face-to-face meetings. No driving to appointments. No office.
Your Typical Day
- Log into your CRM and review your leads
- Make 150-300+ phone calls
- Have 15-30 conversations with potential clients
- Give 3-5 full presentations to help 1-3 families get coverage
- Earn $600-2,400+ in commissions (depending on sales)
- Attend training calls to sharpen your skills
What You're Selling
Most home-based insurance agents sell final expense insurance (also called burial insurance). It's a small whole life policy ($5,000-$25,000) that covers funeral costs and end-of-life expenses.
Why Final Expense?
- Sells well over the phone (simple product, no medical exams)
- High commissions ($600-800 per sale average)
- Meets a real need (everyone needs burial coverage)
- Large market (10,000+ Americans turn 65 every day)
You can also sell Medicare, term life, and other products -but final expense is the fastest path to consistent income for new agents.
The Money
You earn commissions on every policy you sell. No salary, no hourly wage -pure commission. That might sound risky, but it means your income has no ceiling. You eat what you kill.
Typical Commission
80-120% of annual premium
Average Sale
$600-800 commission
Part-Time (20 hrs/week)
$2,400-4,000/month
Full-Time (40 hrs/week)
$8,000-15,000+/month
Top producers earn $200,000-500,000+ per year from personal sales alone. Agents who build teams earn $500,000-1,000,000+.
Ready to Start Your Insurance Career From Home?
Join thousands of agents building successful businesses remotely.
Get Your Insurance License
You can't sell insurance without a license. The good news: it's easier and faster than most people think.
What You Need
A life insurance license from your state. This allows you to sell life insurance products (including final expense) to residents of that state.
The Process
Complete pre-licensing education
Most states require 20-40 hours of coursework. California requires 52 hours. A few states (like Arizona) require zero hours -you can go straight to the exam.
Pass the state exam
Multiple choice test, typically 100-150 questions. Pass rate is high if you study. Most people pass on the first attempt.
Submit your application
Apply through your state's Department of Insurance. Includes background check and fingerprinting in some states.
Receive your license
Usually issued within 1-2 weeks of passing the exam.
Timeline
2-3 weeks total
(if you move quickly)
Total Cost
$400-500
(reimbursed after 3 sales at TPG)
💡 Pro Tip
At The Price Group, we reimburse 100% of your licensing costs after your first 3 sales. So your actual out-of-pocket cost is $0 if you follow through.
Recommended resource: JustInsurance offers state-approved pre-licensing for $149. Complete it in 7 days, pass rate over 90%.
Read our complete licensing guideJoin an IMO (Insurance Marketing Organization)
Once you're licensed, you need carriers to sell for and leads to call. That's where an IMO comes in.
What's an IMO?
An IMO (Insurance Marketing Organization) connects independent agents with insurance carriers. Instead of contracting directly with each carrier (which often means lower commissions and no support), you work through an IMO that provides:
- Higher commission rates
- Access to multiple A-rated carriers
- Lead programs
- Training and mentorship
- Back-office support (contracting, compliance, etc.)
Think of an IMO as your business partner. You focus on selling. They handle carrier relationships, paperwork, and support.
How to Choose an IMO
Not all IMOs are equal. Questions to ask:
- Do they provide leads, or do I have to buy my own?
- Is there daily training, or just a PDF and "good luck"?
- What's their agent retention rate?
- Can I talk to current agents about their experience?
- Is there a path to building a team if I want to scale?
- What are the commission rates?
- Are there any monthly fees or hidden costs?
Red Flags
Monthly fees, vague answers about lead quality, no live training, can't connect you with current agents.
The Price Group Difference
At TPG, we built our IMO around what agents actually need:
Complete Training (The First 30 Days)
Your first 30 days determine your success. This is where most new agents either build momentum or quit.
What Training Should Include
- Product knowledge - Understanding final expense policies, carriers, pricing, underwriting
- Phone skills - How to open calls, build rapport, present options, handle objections, close sales
- CRM training - How to manage leads, track follow-ups, stay organized
- Scripts - Proven word-for-word frameworks for every part of the call
- Live practice - Role-playing with experienced agents before you call real prospects
- Call reviews - Having mentors listen to your recorded calls and give feedback
The TPG Approach (ALS-30)
Our Agent Launch System is a 30-day intensive program:
Product knowledge, carrier training, CRM setup, script memorization
Role-playing, call simulations, first live calls with mentor support
Full calling schedule, daily call reviews, objection handling focus
Refining your process, increasing volume, hitting consistent sales
By day 30, you should be making sales consistently -not perfectly, but consistently.
VCC (Virtual Call Center)
You also have access to our VCC -a live Zoom room where agents dial together during extended hours. Get real-time help, listen to experienced agents close deals, and never feel like you're working alone.
Start Calling Leads
This is where the money happens. Your job is simple: call leads, have conversations, help people get coverage.
The Numbers Game
Selling insurance is a volume business. More calls = more conversations = more sales. There's no shortcut.
Typical Metrics
150-300
calls per day
20-30%
contact rate (with good leads)
30-50
conversations per day
1-3
sales per day (full-time)
Lead Quality Matters
Bad leads = wasted time. If you're calling disconnected numbers, wrong numbers, or people who never requested information, you'll burn out fast.
At TPG, our AI-powered lead system:
- Verifies contact information
- Identifies high-intent buyers
- Enriches data for better conversations
- Delivers fresh leads daily
- Doesn't share leads across dozens of agents
Result: 20-30% contact rate vs. 10-15% industry average. That's twice as many conversations per 100 calls.
What a Sales Call Looks Like
Opening
30 seconds
Introduce yourself, confirm they requested information, get permission to continue
Discovery
5-10 minutes
Ask about their situation, health, budget, why they're looking for coverage
Presentation
5-10 minutes
Explain options, recommend a plan, quote pricing
Close
5-10 minutes
Handle objections, confirm the decision, complete the application
Wrap-up
2-3 minutes
Explain next steps, set expectations, thank them
Average call time for a completed sale: 20-30 minutes.
Scale Your Income
Once you're making consistent sales, you have two paths to scale:
Path 1: Increase Personal Production
- Add more states (non-resident licenses)
- Increase call volume
- Improve close rate through skill development
- Work more hours
Personal production ceiling: $200,000-500,000+/year
Path 2: Build a Team (Agency Accelerator)
Once you've proven yourself as a producer, you can recruit, train, and lead other agents. You earn:
- Your personal commissions
- Override commissions on every sale your team makes
Agency income potential: $500,000-1,000,000+/year
Building Equity
Here's what most insurance agents miss: you can build a sellable business, not just earn commissions.
An agency with consistent production and a trained team has real value. Agents have sold their agencies for 1-3x annual revenue. That's retirement money.
This is what I mean when I say "build a real business from home."
Explore Sell-Insurance-From-Home Guides by State
Looking for state-specific guidance? Browse our state pages to see how agents are building remote insurance businesses across the country.
What You Need to Get Started
The barrier to entry is low. Here's your startup checklist:
Required
- State insurance license (~$400-500, reimbursed at TPG after 3 sales)
- Computer or laptop
- Reliable internet connection (10+ Mbps)
- Smartphone
- Quiet workspace for calls
Helpful (Not Required)
- Dual monitors (easier to manage CRM while on calls)
- Comfortable headset
- Dedicated home office space
Total startup cost: Under $1,000 if you need to buy a laptop. Under $500 if you already have one.
Compare that to starting a franchise ($50,000-500,000) or getting a degree ($50,000-200,000). Insurance is one of the lowest-cost businesses you can start with unlimited income potential.
Common Mistakes New Agents Make
Learn from others' failures:
Not making enough calls
This is a volume business. 50 calls a day won't cut it. You need 150-300+. No exceptions.
Giving up too early
Most agents quit in the first 90 days -right before it clicks. The learning curve is real. Push through.
Not following the script
Scripts exist because they work. Don't improvise until you've mastered the fundamentals.
Skipping training
Live training isn't optional. The agents who show up consistently outperform those who don't.
Choosing the wrong IMO
Bad leads and no support will kill your career before it starts. Do your research.
Treating it like a job instead of a business
You're building a business, not clocking in. Ownership mentality matters.
Is Selling Insurance From Home Right for You?
This career isn't for everyone.
It's Right for You If:
- You're self-motivated (no boss watching over you)
- You can handle rejection (most calls don't result in sales)
- You're coachable (willing to follow a proven system)
- You want uncapped income (willing to trade security for upside)
- You're looking for flexibility (set your own schedule)
- You want to build something (not just earn a paycheck)
It's NOT Right for You If:
- You need a guaranteed salary
- You can't handle hearing "no" multiple times a day
- You're not willing to make 150+ calls daily
- You're looking for passive income with no effort
This is real work. But if you put in the effort, the rewards are real too.
Ready to Start?
Here's exactly what to do next:
Apply to The Price Group - Takes 5 minutes. We review applications within 24 hours.
Get licensed - We'll guide you through the process. Takes 2-3 weeks.
Complete ALS-30 - Our 30-day launch program gets you from licensed to selling.
Start building - Make calls, make sales, build your business.
No experience required. No monthly fees. Just your license (which we reimburse) and your effort.