How to Make $100,000+ as a Life Insurance Agent in 2025
What if I told you that by this time next year, you could be $100,000 richer? Not from luck or guesswork, but by following a proven system that dozens of other life insurance agents have used.
In this guide, I’ll share the five steps you need to follow to make $100,000 per year or more as a life insurance agent in 2025. But here’s the thing: 95% of agents do this completely incorrectly. That’s why they fail to reach six figures. So, grab a pen, take notes, and let’s dive in!
Step 1: Picking the Right Product
Most agents jump into selling life insurance without much thought. While it’s easy to sell whatever your recruiter suggests, you need to be intentional if you’re serious about building a long-term career.
Here are the main product categories:
- Whole Life Insurance: Common for final expense policies and strategies like infinite banking.
- Term Insurance: Ideal for younger clients seeking affordable protection.
- Universal Life: Often used for Indexed Universal Life (IUL) products.
The key is understanding the pros and cons of each product and choosing what aligns with your goals and market.
Step 2: Picking the Right Market
Your market choice has a massive impact on your success. As Warren Buffett famously said, “The boat you’re rowing in matters more than how hard you row.”
Here are common markets:
- Senior Market: Often focused on final expense or annuities.
- Business Owners: Infinite banking strategies appeal here.
- Retirement Savings: Products like annuities and IULs are popular.
- Young Families: Typically term insurance for income protection.
Within each market, you can niche down. For example, focusing on nurses or teachers helps you specialize and stand out.
Step 3: Finding High-Quality Leads
Leads are the lifeblood of your business, but many agents buy overpriced, low-quality leads. Instead, focus on generating your own wholesale leads directly from platforms like Facebook.
Here’s why Facebook leads are ideal:
- Over 3 billion monthly active users.
- Low-cost and high-quality leads.
- Consistency and scalability.
Work with a marketing company to run ads targeting your niche. This ensures exclusive leads with no middleman markup.
Step 4: Mastering a Proven Sales Process
Having a structured sales process is critical. Most agents wing it, leading to inconsistent results. Instead, follow a proven sales script that guides the conversation and improves your closing rates.
Here’s what a strong sales process looks like:
- Follow a straight-line approach from introduction to closing.
- Use a script that’s been tested and refined by top agents.
- Track and review your calls for feedback and improvement.
Step 5: Action + Time
The final step is putting in massive action and staying consistent. Success comes from mastering two learning curves:
- Insurance Learning Curve: Understanding products and the industry.
- Sales Learning Curve: Developing communication and closing skills.
Progress through these curves by:
- Making lots of calls and presentations.
- Recording and reviewing your performance.
- Implementing feedback to improve with every interaction.
Remember: The faster you take action, the faster you learn and improve.
Bonus: Generating High-Intent Leads
If you want to learn how to generate high-intent leads, check out our dedicated video on this topic. It covers everything you need to know about lead generation in 2025.
FAQs
1. How much can I earn as a life insurance agent?
With the right system, earning $100,000 or more annually is achievable, even in your first year.
2. What’s the best market for beginners?
The senior market is a great starting point due to high demand and straightforward products.
3. How do I create a sales script?
Look for proven scripts from top-performing agents or work with a mentor to develop one tailored to your niche.