The life insurance industry offers a rewarding and stable career path for motivated individuals who want to help others protect their financial future. If you're interested in becoming a licensed life insurance agent, you’ve come to the right place. At Brokers Alliance, we specialize in helping agents start and grow successful insurance careers.
Below, we break down exactly how to become a licensed life insurance agent in 2025, including licensing requirements, exam tips, and how to get started with top carriers.
Step 1: Understand the Role of a Life Insurance Agent
A life insurance agent helps individuals and families choose life insurance policies that meet their financial and estate planning needs. As a licensed agent, you’ll guide clients through policy options such as term life, whole life, and universal life insurance.
Key Benefits of Becoming a Life Insurance Agent:
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Unlimited earning potential through commissions
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Flexible work hours and location
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Opportunity to make a lasting impact on clients’ lives
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Ability to work independently or with an agency
Step 2: Meet Your State's Licensing Requirements
To sell life insurance, you must obtain a license in the state where you plan to do business. While requirements vary by state, the basic process includes:
Complete Pre-Licensing Education
Most states require 20 - 40 hours of pre-licensing coursework from an approved education provider.
Pass the State Licensing Exam
After completing your course, you must pass a state-administered life insurance exam. The exam covers topics such as:
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Insurance terms and concepts
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Policy types and riders
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State regulations and ethical practices
Submit an Application and Background Check
Once you pass the exam, submit a licensing application through the state’s insurance department or via the National Insurance Producer Registry (NIPR).
Receive Your National Producer Number (NPN)
This unique identifier allows you to track your licenses and appointments across states.
Step 3: Get Errors & Omissions (E&O) Insurance
Most carriers require agents to carry E&O insurance to protect against professional liability claims. This coverage is essential before contracting with insurers.
Step 4: Get Appointed with Life Insurance Carriers
To sell policies, you must be appointed by one or more life insurance companies. This process involves submitting paperwork, verifying your license, and reviewing commission structures.
Tip: Working with a top FMO like Brokers Alliance simplifies this process. We help you get contracted with top-rated carriers and streamline the appointment process.
Step 5: Partner with a Trusted FMO Like Brokers Alliance
As an independent life insurance agent, working with a Field Marketing Organization (FMO) gives you access to resources, technology, and carrier relationships that can accelerate your career.
Why Agents Choose Brokers Alliance:
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Access to over 50 leading life insurance carriers
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Custom quoting and illustration tools
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Turnkey lead generation systems
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One-on-one agent support and mentorship
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Free training, webinars, and compliance guidance
Step 6: Start Marketing and Building Your Book of Business
Once you’re licensed and appointed, it’s time to grow your client base. Effective marketing is key to success.
Proven Strategies:
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Build a professional website and optimize for local SEO
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Run digital ads on Facebook, Google, and LinkedIn
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Attend local networking events and workshops
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Ask satisfied clients for referrals and testimonials
Step 7: Maintain Your License and Continue Education
Most states require continuing education (CE) every 1 - 2 years to renew your license. Brokers Alliance helps agents stay compliant with reminders and CE resources.
Becoming a licensed life insurance agent is a smart move for those seeking financial freedom, flexibility, and the ability to make a real difference. With the right guidance and support, your career in life insurance can thrive.
At Brokers Alliance, we’re here to help you every step of the way - from licensing and contracting to training and lead support.
Ready to get licensed and start your journey? Contact Brokers Alliance today to access carrier contracts, licensing support, and the tools you need to succeed as a life insurance agent.