Easiest Insurance to Sell

Easiest Insurance to Sell – If you’re considering becoming an insurance agent in 2023 and trying to figure out where to start, one of the first things to research is what type(s) of insurance products you might want to sell.

Will you focus on P&C, auto, life, commercial, or some combination of them? This decision will impact whether you decide to become a captive or independent agent, and it can also have a huge impact on your potential income in both the short- and long term.


Finding the easiest insurance to sell will help you thrive as an insurance agent because according to estimates, around 70%-80% of new insurance agents fail within their first year.

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Insurance Sales Agents

Insurance Sales Agents

Insurance sales agents contact potential customers and sell one or more types of insurance. These agents explain various insurance policies and help clients choose the plans that suit them.

Quick Facts: Insurance Sales Agents
2023 Median Pay $49,840 per year
$23.96 per hour
Typical Entry-Level Education High school diploma or equivalent
Work Experience in a Related Occupation None
On-the-job Training Moderate-term on-the-job training
Number of Jobs, 2023 523,200
Job Outlook, 2023-31 6% (As fast as average)
Employment Change, 2023-31 32,900

What Insurance Sales Agents Do

Insurance sales agents contact potential customers and sell one or more types of insurance.

Work Environment

Most insurance sales agents work in office settings, although they may spend time traveling to meet with clients.


How to Become an Insurance Sales Agent

Although employers typically require that agents have a high school diploma, they may prefer to hire agents who have a bachelor’s degree. Agents must be licensed in the states where they work.


The median annual wage for insurance sales agents was $49,840 in May 2021.

Job Outlook

Employment of insurance sales agents is projected to grow 6 percent from 2021 to 2031, about as fast as the average for all occupations.

About 52,700 openings for insurance sales agents are projected each year, on average, over the decade. Many of those openings are expected to result from the need to replace workers who transfer to different occupations or exit the labor force, such as retiring.

Easiest Insurance to Sell in 2023

Insurance Sales Agents

Below are a few insurance types that stand out as easy sellers and which can be highly lucrative for agents, both new and experienced.

1. Life Insurance Agent

A life insurance agent is a type of insurance professional who sells life insurance specifically. Life insurance agents may sell other types of insurance if they have the appropriate license, or they may focus only on life insurance. Life insurance may work for an insurance agency or on its own, sometimes under the name of an insurance company but as the owner of their own business. Often, life insurance agents are paid in commission to give them incentives to sell more insurance policies.

2. Commercial Insurance

Commercial insurance is a type of insurance policy that is designed to protect businesses against financial losses due to unforeseen events such as theft, damage to property, liability claims, or business interruption. Examples of commercial insurance policies include general liability insurance, property insurance, workers’ compensation insurance, and business interruption insurance.

3. Property and Casualty (P&C)

Property and Casualty (P&C) insurance is a type of insurance that covers damage or loss to property or people resulting from accidents, theft, or natural disasters. P&C insurance policies typically include coverage for automobiles, homes, businesses, and other types of property.

4. Health insurance

Health insurance is a type of insurance policy that covers the cost of medical and surgical expenses incurred by an individual or their family. Health insurance policies can be purchased by individuals, families, or employers and typically cover a range of medical expenses such as hospital stays, physician visits, prescription medications, and preventative care.

Frequently asked questions about Easiest Insurance to Sell

Insurance Sales Agents

How Much Money Can You Make Selling Life Insurance?

The median wage for life insurance agents in 2020 was $52,180, while the top 10 percent of agents earned over $127,840 during that time.

Is Selling Life Insurance a Good Career?

Selling life insurance can be an amazing career, but you should consider how comfortable you are with some of the unique aspects of the profession first.

What type of insurance is most profitable to sell?
While there are many kinds of insurance (ranging from auto insurance to health insurance), the most lucrative career in the insurance field is for those selling life insurance.
What is the hardest part of selling insurance?
Customer expectations can continually change, and keeping up with these shifts is one of the biggest challenges of being an insurance agent. Whether clients are becoming more price-sensitive, are changing their communication preferences, or anything else, insurance agents need to stay on top of evolving expectations.

Why do insurance agents earn so much?

The average income of a life insurance agent is around $30,000. So the income range is very wide.


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