How much do life insurance agents make?
No federal wage series isolates life insurance agents; the Bureau of Labor Statistics counts them within insurance sales agents, whose median annual wage was $62,280 in May 2025. Private salary estimates for life agents span a wide range, roughly $51,000 to $89,000, depending on the source and year. Pay varies because commissions dominate: first-year life commissions typically equal a large share of the first-year premium, while renewal commissions drop to a few percent.
The U.S. Bureau of Labor Statistics reports a median annual wage of $62,280 for insurance sales agents as of May 2025, a figure that spans life and health agents as well as property and casualty agents. The lowest 10% of agents earn below $37,330, while the highest 10% earn above $138,140. Income is commonly commission-based, so earnings for life insurance agents depend largely on sales volume.
Sources: BLS OOH: Insurance Sales Agents (SOC 41-3021).
There is no separate wage series for life insurance agents, but insurance sales agents overall earn a median of $62,280 a year (May 2025, U.S. Bureau of Labor Statistics), with earnings ranging from under $37,330 at the low end to more than $138,140 at the high end. Commissions and whether an agent works for one company or independently account for much of the spread.
Sources: BLS OOH: Insurance Sales Agents (SOC 41-3021).
Insurance sales agents earned a median of $62,280 per year as of May 2025, according to the U.S. Bureau of Labor Statistics. Pay ranged from under $37,330 at the low end to more than $138,140 at the high end. Life producers typically sell term life, permanent policies, and annuities, and many also sell health products such as Medicare supplement and long-term care coverage.
Sources: BLS OOH: Insurance Sales Agents (SOC 41-3021).
The U.S. Bureau of Labor Statistics does not break out life insurance agents separately, but its insurance sales agents category shows a median annual wage of $62,280 as of May 2025. The lowest 10% of agents earned less than $37,330, and the highest 10% earned more than $138,140.
Sources: Arkansas AID: Title insurance licensing.
Life insurance agents fall under the insurance sales agent occupation, which paid a median of $62,280 a year nationally in May 2025 (U.S. Bureau of Labor Statistics). The lowest 10% earned less than $37,330, and the highest 10% earned more than $138,140. Agents at agencies and brokerages earned a median of $61,550, while agents at direct health and medical carriers earned $73,440.
Sources: BLS OOH: Insurance Sales Agents (SOC 41-3021).
Wage data for insurance sales agents overall gives the best available benchmark: the Bureau of Labor Statistics reports a median annual wage of $62,280 as of May 2025, or $29.94 per hour. The lowest 10% earned under $37,330, and the highest 10% earned more than $138,140. Industry medians range from $61,550 at agencies and brokerages to $73,440 at direct health and medical insurance carriers.
Sources: BLS OOH: Insurance Sales Agents (SOC 41-3021).
Insurance sales agents, the category that includes life insurance agents, earned a median annual wage of $62,280 in May 2025, according to the U.S. Bureau of Labor Statistics. The lowest 10% earned under $37,330, and the highest 10% earned over $138,140.
Sources: BLS Occupational Outlook Handbook: Insurance Sales Agents (SOC 41-3021).
Insurance sales agents earned a median of $62,280 per year ($29.94 per hour) in May 2025, according to the U.S. Bureau of Labor Statistics. Pay varies widely by employer and industry: the lowest 10% of agents earned less than $37,330, while the highest 10% earned more than $138,140. Median wages ranged from $61,550 at agencies and brokerages to $73,440 at direct health and medical insurance carriers.
Sources: BLS OOH: Insurance Sales Agents (SOC 41-3021).
The U.S. Bureau of Labor Statistics reports a median annual wage of $62,280 for insurance sales agents as of May 2025, with the lowest 10% earning less than $37,330 and the highest 10% earning more than $138,140. BLS does not publish separate wage data for life insurance agents or for Florida specifically.
Sources: BLS Occupational Outlook Handbook: Insurance Sales Agents (41-3021).
The U.S. Bureau of Labor Statistics does not publish a separate wage figure for life insurance agents. Its insurance sales agents category, which includes them, paid a median annual wage of $62,280 as of May 2025, with the lowest 10% earning under $37,330 and the highest 10% earning over $138,140.
Sources: BLS OOH: Insurance Sales Agents (SOC 41-3021).
The U.S. Bureau of Labor Statistics reported a median annual wage of $62,280 for insurance sales agents, the category that includes life insurance agents, as of May 2025. Agents above and below the median earn considerably more and less than that figure. Most pay in the occupation comes from commissions, so income varies with the policies sold.
Sources: BLS OOH: Insurance Sales Agents (SOC 41-3021).
Illinois wage data covers agents across all lines and runs from modest entry-level pay to six figures for the experienced tier. Life insurance compensation is commission-based and front-loaded: first-year commissions are large and renewal commissions are small. The federal wage survey excludes self-employed agency owners, so the published top tier understates actual top earnings.
Sources: Illinois IDOI: How to become a resident producer (Illinois insurance agent); Illinois IDOI: Fee schedule.
The U.S. Bureau of Labor Statistics reported a national median annual wage of $62,280 for insurance sales agents as of May 2025. Pay varies by setting: agents at direct health and medical insurance carriers earned a median of $73,440, at other direct carriers $63,810, and at agencies and brokerages $61,550. The highest 10% of agents earned more than $138,140.
Sources: BLS Occupational Outlook Handbook: Insurance Sales Agents (SOC 41-3021).
The U.S. Bureau of Labor Statistics reports a median annual wage of $62,280 for insurance sales agents as of May 2025. Pay varies by industry: agents at direct health and medical insurance carriers earned a median of $73,440, at direct insurance carriers (other than life, health, and medical) $63,810, and at insurance agencies and brokerages $61,550. The highest 10 percent earned more than $138,140.
Sources: BLS OOH: Insurance Sales Agents (SOC 41-3021).
Insurance sales agents nationwide earned a median of $62,280 per year in May 2025, according to the Bureau of Labor Statistics, with the lowest 10% earning less than $37,330 and the highest 10% more than $138,140. Pay varies by industry: the median was $73,440 at direct health and medical carriers, $63,810 at direct insurance carriers, and $61,550 at agencies and brokerages. No Kansas-specific wage figure is available in the state's licensing material.
Sources: BLS OOH: Insurance Sales Agents (SOC 41-3021).
There is no separate pay figure for life insurance agents, but the U.S. Bureau of Labor Statistics reports a 2025 median of $62,280 per year for insurance sales agents overall. Median wages by industry in May 2025 were $61,550 at insurance agencies and brokerages and $73,440 at direct health and medical carriers. The highest 10% of agents earned more than $138,140.
Sources: BLS Occupational Outlook Handbook: Insurance Sales Agents (SOC 41-3021).
Insurance sales agents nationally earn a median annual wage of $62,280 (about $29.94 an hour), per the U.S. Bureau of Labor Statistics (May 2025). Earnings vary widely: the 10th percentile makes $37,330 and the 90th percentile makes $138,140. The occupation is projected to grow 4% from 2024 to 2034.
Sources: CareerOneStop (US DOL): Insurance Sales Agents national profile.
The U.S. Bureau of Labor Statistics reports a median annual wage of $62,280 for insurance sales agents (May 2025), the occupational category that includes life insurance agents. Pay varies widely because much of an agent's compensation comes from commissions, and captive agents, independent agents, and brokers have different pay structures.
Sources: BLS Occupational Outlook Handbook: Insurance Sales Agents (SOC 41-3021).
Earnings for life and health insurance agents vary widely. Most agents earn commissions from insurers, along with salaries and bonuses. Among employment settings, pay runs highest at direct health and medical carriers and lower at agencies and brokerages. Agents who also sell securities must be licensed by FINRA.
Sources: Massachusetts DOI: Individual insurance producer licensing; Massachusetts DOI: Individual and business entity licensing (license types, terms and fees).
Michigan life insurance agents tend to earn more on average than health and property and casualty agents, though averages mask wide variation. Compensation typically follows one of three structures: commission only for independents, base salary plus commission at captive or larger agencies, or salary plus bonus at larger carriers.
Sources: Michigan DIFS: How to become licensed as a resident producer; Michigan DIFS: Available lines of authority.
Earnings vary widely for insurance sales agents. The median annual wage was $62,280 as of May 2025, or $29.94 per hour. The lowest 10% of agents earned less than $37,330, and the highest 10% earned more than $138,140.
Sources: BLS OOH: Insurance Sales Agents (SOC 41-3021).
Life insurance agents fall under the broader insurance sales agent category. The U.S. Bureau of Labor Statistics reports a 2025 median wage of $62,280 per year ($29.94 per hour) for insurance sales agents, with the lowest 10% earning below $37,330 and the highest 10% earning above $138,140 as of May 2025.
Sources: BLS OOH: Insurance Sales Agents (SOC 41-3021).
Insurance sales agents nationally earned a median of $62,280 per year as of May 2025, with the top 10% earning more than $138,140 and the bottom 10% less than $37,330. In Missouri, life insurance agents tend to earn more on average than property and casualty agents, though the Bureau of Labor Statistics does not publish a state-level figure for the occupation. Commissions make up a large share of income for most agents and vary by line of insurance and experience.
Sources: BLS OOH: Insurance Sales Agents (SOC 41-3021).
Life insurance agent income depends heavily on commissions and how quickly you build a client base, so earnings vary widely. Captive agents receive a salary, benefits, and training but keep lower commissions, while independent agents earn higher commissions with more autonomy but no salary or benefits.
Sources: Montana CSI: Producer, adjuster and consultant licensing; Montana CSI: Steps to obtaining a resident insurance license.
The median annual wage for insurance sales agents was $62,280 in May 2025, according to the U.S. Bureau of Labor Statistics. The lowest 10% earned less than $37,330, and the highest 10% earned more than $138,140. Employment is projected to grow 3% from 2025 to 2035, about as fast as average for all occupations.
Sources: BLS Occupational Outlook Handbook: Insurance Sales Agents (SOC 41-3021).
There is no single figure, because life insurance agents earn commissions from the insurers whose products they sell rather than a fixed salary. Income depends on sales volume, product mix, and the size of the client book. The Bureau of Labor Statistics tracks insurance sales agents as an occupation and projects about 4% employment growth from 2024 to 2034.
Sources: Pearson VUE: Nevada Insurance Candidate Handbook (October 2024); Pearson VUE: Nevada Insurance Exam Content Outlines (effective October 1, 2024; with pre/post November 14, 2026 versions).
The U.S. Bureau of Labor Statistics reports a median annual wage of $62,280 for insurance sales agents in May 2025, though it does not break out life-only agents. The lowest 10 percent earned less than $37,330, and the highest 10 percent earned more than $138,140. Independent agents may be paid by commission only, while employees may receive salary plus commission or salary plus bonus.
Sources: BLS OOH: Insurance Sales Agents (SOC 41-3021).
Nationally, insurance sales agents earned a median of $62,280 per year ($29.94 per hour) in May 2025, according to the U.S. Bureau of Labor Statistics. The lowest 10% earned less than $37,330, and the highest 10% earned more than $138,140. Pay varies by industry: direct health and medical carriers paid a median of $73,440, direct carriers other than life and health paid $63,810, and agencies and brokerages paid $61,550.
Sources: BLS OOH: Insurance Sales Agents (SOC 41-3021).
Life insurance agents fall under the broader insurance sales agent occupation, which paid a median of $62,280 per year ($29.94 per hour) in May 2025, per the U.S. Bureau of Labor Statistics. The range is wide: the lowest 10% earned under $37,330, while the highest 10% earned over $138,140. Employment is projected to grow 3% from 2025 to 2035, with about 43,100 openings per year.
Sources: BLS OOH: Insurance Sales Agents (SOC 41-3021).
The U.S. Bureau of Labor Statistics reports a median annual wage of $62,280 for insurance sales agents in May 2025, a category that includes life insurance agents. The lowest 10 percent earned less than $37,330, and the highest 10 percent earned more than $138,140.
Sources: BLS OOH: Insurance Sales Agents (SOC 41-3021).
Insurance sales agents earned a median annual wage of $62,280 in May 2025, according to the Bureau of Labor Statistics, with the lowest 10% earning under $37,330 and the highest 10% earning over $138,140. Pay varies by industry: agents at direct health and medical insurance carriers earned a median of $73,440, and agents in agencies and brokerages earned $61,550.
Sources: BLS Occupational Outlook Handbook: Insurance Sales Agents (SOC 41-3021).
Life insurance agents are counted with all insurance sales agents in U.S. Bureau of Labor Statistics (BLS) wage data, which shows a median annual wage of $62,280 as of May 2025. The lowest 10% earned less than $37,330, and the highest 10% earned more than $138,140. Because agents are typically paid by commission on policies sold, income varies widely with sales volume.
Sources: BLS OOH: Insurance Sales Agents (SOC 41-3021).
The U.S. Bureau of Labor Statistics reports median pay of $62,280 per year for insurance sales agents as of May 2025, with the highest 10% earning over $138,140. Most agents work at agencies and brokerages, where average pay was $61,550. Life insurance compensation is often commission-heavy, with the largest commissions typically concentrated in a policy's first year.
Sources: BLS OOH: Insurance Sales Agents (SOC 41-3021).
Pay varies widely by line of authority and book of business. Agents typically earn commissions paid by insurers rather than being paid directly by clients, so income depends on sales volume. Agents who build a larger book of business typically earn more, since commission volume drives income.
Sources: NIPR: Rhode Island resident individual licensing requirements; NIPR: Rhode Island nonresident individual licensing requirements.
Life insurance agents earn commissions on the policies they sell, and many also receive a salary and bonuses from their employer. Among lines of insurance, life insurance agents tend to earn above the average for agents across all lines, while property and casualty agents tend to earn below it. Actual income depends on sales volume and employment arrangement.
Sources: South Carolina SCDOI: Producer licensing; South Carolina SCDOI: Licensing and CE hub.
The U.S. Bureau of Labor Statistics does not report wages for life insurance agents separately. Its May 2025 median annual wage for insurance sales agents overall was $62,280, with the lowest 10% earning less than $37,330 and the highest 10% earning more than $138,140. Wages also vary by industry: direct health and medical insurance carriers paid a median of $73,440, direct insurance carriers other than life and health paid $63,810, and insurance agencies and brokerages paid $61,550.
Sources: BLS Occupational Outlook Handbook: Insurance Sales Agents (41-3021).
Nationally, insurance sales agents earned a median of $62,280 per year in May 2025, according to the Bureau of Labor Statistics, with the top 10% earning more than $138,140 and the bottom 10% less than $37,330. The BLS does not publish a separate wage figure for life insurance agents specifically. Median pay differs by setting, ranging from $61,550 at agencies and brokerages to $73,440 at direct health and medical insurance carriers, and commissions on policies sold drive much of the variation.
Sources: BLS OOH: Insurance Sales Agents (SOC 41-3021).
Insurance sales agents, including life insurance agents, earned a median annual wage of $62,280 in May 2025, according to the Bureau of Labor Statistics. Earnings ranged from below $37,330 for the lowest 10% to above $138,140 for the highest 10%. Compensation is most commonly commission-based, and 63% of agents work in insurance agencies and brokerages.
Sources: BLS OOH: Insurance Sales Agents (SOC 41-3021).
The U.S. Bureau of Labor Statistics groups life insurance agents with all insurance sales agents and reports a median annual wage of $62,280 as of May 2025. The top 10% earned more than $138,140, while the lowest 10% earned less than $37,330. Agents in agencies and brokerages earned a median of $61,550, compared with $73,440 at direct health and medical carriers.
Sources: BLS Occupational Outlook Handbook: Insurance Sales Agents (SOC 41-3021).
The U.S. Bureau of Labor Statistics does not report a separate wage for life insurance agents. For insurance sales agents overall, the median annual wage was $62,280 in May 2025, with the lowest 10% earning less than $37,330 and the highest 10% earning more than $138,140. Agents who sell securities such as variable annuities typically add FINRA registrations, which can widen earnings.
Sources: BLS Occupational Outlook Handbook: Insurance Sales Agents (SOC 41-3021).
It varies widely. Most life insurance agents earn commission income, with first-year commissions making up the largest share and renewals paying far less, so income depends on steady new sales. Earnings also depend on whether the agent is captive or independent and on the volume of business written.
Sources: Wyoming DOI: producer licensing requirements, fees and FAQs; Wyoming DOI: adjuster licensing requirements, fees and FAQs.