Financial Services Life Insurance Agent Trainee (1099 Independent Contractor)
Part-Time to Full-Time | Remote | Riverside County, California
This is not a W-2 position. Comprehensive training and mentorship are provided.
Compensation:
The compensation range displayed by the job board reflects potential earnings under varying production scenarios and should not be interpreted as typical or guaranteed compensation.
Benefits Disclosure:
This is a 1099 independent contractor opportunity and does not include traditional employee benefits. Independent contractors are responsible for their own benefits and business expenses.
About Us
T.L.B.W. — Transforming Lives. Building Wealth. is the name of our independent agency team. We are committed to building people before production by providing education, mentorship, leadership development, and financial protection solutions that help strengthen families and communities.
We believe protection matters. Our mission is to educate communities on solutions designed to help provide security during life’s unexpected moments, while helping individuals create long-term financial confidence and legacy planning strategies.
Our culture is built on:
- Integrity
- Leadership Development
- Personal Growth
- Service
- Collaboration
- Education
- Entrepreneurship
We build people before production and focus on long-term impact over short-term results.
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The Opportunity
We are expanding California (Nationwide positions available too), and seeking coachable, purpose-driven individuals interested in learning the financial services industry.
Whether you are:
- Looking for additional income
- Exploring a career transition
- Seeking more flexibility
- Interested in entrepreneurship
- Wanting to work remotely
- Passionate about helping others
…this opportunity may be a fit for you.
This is an Independent Contractor (1099) opportunity — not a W2 position.
No prior financial services experience is required. Training and mentorship are provided.
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What You’ll Do
As an Independent Insurance Agent Trainee, you will learn how to:
- Educate individuals and families on life insurance and financial protection concepts
- Conduct virtual and/or in-person client consultations
- Help clients understand options based on their needs and goals
- Build relationships through education and service
- Participate in leadership development and mentorship programs
- Learn business-building and client communication skills
- Work alongside experienced mentors and trainers
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Who Thrives Here
You may be a strong fit if you:
- Have a servant’s heart
- Enjoy helping people
- Are coachable and growth-oriented
- Want flexibility and purpose
- Are self-motivated
- Can follow a proven system
- Value leadership and personal development
- Want to build long-term relationships
- Desire professional and financial growth
Career changers, parents, entrepreneurs, educators, healthcare professionals, customer service professionals, self-employed individuals, and veterans often do well in this environment.
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What We Offer
- Flexible work schedule designed to support independent business ownership.
- Remote opportunities
- Structured onboarding program
- Mentorship and leadership development
- Education-focused training environment
- Supportive team culture
- Growth and advancement opportunities
- Pre-licensing education course reduced pricing when available
- Fast Start Program designed to help new partners begin building momentum
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Startup & Licensing Information
We offer a low-cost startup pathway designed to help individuals begin their financial services education and training journey.
Program costs and support may include:
- $125 Technology & Training Access Fee
- Includes access to training platforms, mentorship, team systems, educational resources, websites, presentations, leadership development, and business-building tools.(100% refundable within 10 days according to program guidelines.)
- Access to preferred pricing through approved pre-licensing education providers.
State-approved life insurance pre-licensing courses are available through approved education providers such as XCEL Solutions or ExamFX. Preferred partner pricing may reduce course costs depending on provider promotions and state requirements.
- Fast Start Business Track Program
Eligible individuals who complete the required onboarding and business activity milestones under the Fast Start Business Track Program may qualify for reimbursement assistance of up to $750, subject to company policies, compliance approval, applicable laws, and program requirements:
- State licensing exam fees
- Fingerprinting/background check fees
- State licensing fees
- Errors & Omissions (E&O) Insurance
- Reimbursement programs are not guaranteed and are subject to program qualifications, timelines, licensing requirements, and compliance approval.
All licensing requirements and costs vary by state.
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Licensing Information
A state Life Insurance Producer License is required to discuss or sell insurance products.
Unlicensed individuals may explore the opportunity and participate in approved training prior to licensing where permitted by state regulations.
Licensing requirements vary by state and may include:
- Pre-licensing education
- State exam
- Fingerprinting
- Background check
- Continuing education
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Why People Explore This Opportunity
Many individuals are seeking:
- Greater flexibility
- Purpose-driven work
- Additional income streams
- Professional growth
- Remote opportunities
- A career where they can make a meaningful impact
We provide an environment centered around education, mentorship, and leadership development.
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Compensation Disclosure
This is a 1099 independent contractor opportunity.
Compensation is performance-based and varies based on:
- Individual effort
- Time commitment
- Production
- Market conditions
- Licensing status
- Carrier guidelines
No income or success is guaranteed.
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Regulatory & Compliance Disclosure
This opportunity is offered through an independent insurance agency operating within applicable state and federal regulations.
Participation in insurance sales activities requires appropriate state licensing and carrier appointment. No insurance products may be discussed, solicited, illustrated, or sold without proper licensing and authorization.
This posting is intended for informational and recruiting purposes only and should not be interpreted as:
- A guarantee of income
- An offer of salaried employment
- A securities offering
- A franchise offering
- Legal, tax, or financial advice
Independent contractors are responsible for:
- Maintaining required state licensing
- Completing required carrier and regulatory training
- Managing their own business activities and schedules
- Covering applicable business and licensing expenses
Compensation is commission-based and dependent upon individual effort, production, persistency, licensing status, carrier guidelines, and compliance requirements.
Any references to training programs, reimbursement assistance, advancement opportunities, or potential earnings are subject to program qualifications and are not guaranteed.
We are committed to operating in accordance with applicable employment laws, independent contractor regulations, and Department of Insurance (DOI) guidelines, including state-specific requirements where applicable.
California applicants and licensees are subject to regulations governed by the California Department of Insurance (CDI).
Products, services, underwriting guidelines, and availability vary by state and carrier approval.
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Equal Opportunity Statement
We are committed to equal opportunity and building an inclusive environment for independent contractors from diverse backgrounds.
We do not discriminate on the basis of race, color, religion, sex, gender identity, sexual orientation, national origin, age, disability, veteran status, or any other protected classification under applicable federal, state, or local law.
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Ready to Explore?
If you are looking for more than just another job and want to explore a purpose-driven opportunity focused on education, leadership, and helping others, we invite you to apply and schedule a conversation to learn more.
T.L.B.W. — Transforming Lives. Building Wealth.
Building people. Strengthening families. Creating lasting impact through education, leadership, and financial protection.
California Insurance License No. 0749372
Products and services may not be available in all states.
State licensing and carrier appointment required where applicable.
Pay: $55,000.00 - $144,000.00 per year
Benefits:
- Flexible schedule
- Work from home
Application Question(s):
- If selected, are you willing to obtain the resident life insurance producer license required for this opportunity?
- Are you legally authorized to work as an independent contractor in the United States?
Education:
- High school or equivalent (Preferred)
License/Certification:
- Life Insurance Producer License (Preferred)
Work Location: Remote
