Selling insurance from home provides an avenue for promising income and flexibility, whether you’re an insurance professional looking for a career change, or someone with no prior experience.
Working from home to sell insurance allows you to establish a successful career without the traditional constraints of a brick-and-mortar office or years of remote work experience.
In this Sell Insurance From Home No Experience guide, we will dive into the requirements, strategies, and tools that you need to effectively initiate your career as an insurance agent.
Become a Licensed Insurance Agent
Before you sell insurance, you would need to obtain a license for the type of insurance you’re selling. It doesn’t matter whether you’re working part time or full time, on the phone or at the office, you are required to obtain your insurance license.
Common types of insurance you can sell from home include life, health, auto, and even pet insurance.
Below is a general guide on how to get your insurance license.
- Pre-licensing course: Depending on your state, you’ll need to take a pre-licensing course. This course covers the basics of insurance, including state-specific insurance laws. The course can be taken online or in person, and the number of required hours varies by state
- Licensing exam: After completing the pre-licensing course, you’ll take a state licensing exam. This exam is a multiple-choice exam administered at a testing center. It covers both general insurance knowledge and state-specific laws and regulations
- Fingerprint-based background check: Most states require some sort of background check as part of your license application process, where you’ll need to submit your fingerprints
- Application for license: Once you’ve passed the exam and submitted your fingerprints, you can apply for your insurance license through your state’s insurance department
- Application review: The review process varies by state. Once your licensing state finishes reviewing your application, they will email you with your licensing status
- Continuing education (CE): To renew your license, you’ll need to complete CE requirements. The exact requirements vary by state, but they ensure you stay up-to-date with industry changes
Being a licensed insurance agent ensures that you have the knowledge and qualifications to sell insurance products and provide advice to clients.
For all of your insurance pre-license education courses and exam prep, StateRequirement recommends:
Work With Insurance Companies
Insurance agents work with insurance companies when selling insurance from home. Insurance companies often hire customer support roles that include verbal customer service experience as one of the skills they’re looking for.
This can enhance credibility and trust with clients within the insurance industry.
- Research insurance companies: Start researching insurance companies that offer policies within your chosen line of authority (health insurance, for example). Look for companies with competitive compensation and comprehensive training and support for their remote agents
- Contracting and appointment: You will enter into a contract with the insurance company. This contract outlines the terms of your relationship, including your commission rates and responsibilities as an agent. The process is known as appointment. You might also work for an insurance broker
- Undergo company training: Many insurance companies offer training for their new agents. This can help you learn more about their products, selling techniques (like how to boost your life insurance sales, for example), and any specific software with modernized application technology benefits
- Start selling policies: Once you’re appointed and trained, you can start selling the company’s insurance policies. You’ll earn a commission on each policy you sell
Note: Some insurance companies will hire without an insurance license (e.g., a health insurance customer service representative) but they will offer you working and training hours to pursue and even pay or reimburse you to get your license.
Set Up a Dedicated Workspace
Setting up a home office, especially when you have no prior remote work experience, can be a challenge.
However, following these steps will provide you how to create a dedicated center remote work location at home:
- Choose your workspace: Find a dedicated quiet work environment in your home. The space should be well-lit, and separate from the distractions of home life
- Organize your work desk: Set up a desk with enough space for a computer or laptop, a phone, and any paperwork that you might need. Having a clear, clean workspace can help keep your mind focused and organized
- Invest in good quality equipment: Quality equipment is essential when working from home. You will need a good computer or laptop, a quality headset for taking calls, as well as a webcam if you will be video conferencing with clients or colleagues
- Install necessary software: You’ll need marketing tools, such as word processing software, email, and spreadsheet applications. Depending on the kind of insurance you’re selling, you might also need specialized software for insurance agents, like customer relationship management (CRM) systems
- High-speed internet: Having a reliable, high-speed internet connection ensures that you can join video calls and access online resources without any glitches or delays
- Secure your data: Data security is also of utmost importance. You should use a secure, reliable internet connection, preferably a virtual private network (VPN), and install reputable antivirus software
- Prepare paperwork: Have a small filing system for paperwork. This might include policies, contracts, invoices, etc. Even if you’re mostly working digitally, you’ll likely still need some physical storage
It might take a little time to get used to working remotely, but with discipline and the right setup, you can be just as productive as in a traditional office.
Develop a Digital Marketing Plan
Creating a digital marketing plan is a vital part of insurance sales. A well-designed plan can help you target the right audience, reach them through the most effective channels, and convert them into customers.
Even without prior remote work experience, you can still create a comprehensive digital marketing plan with our strategies below.
If social media is one of your chosen marketing channels, develop a strategy for it. This strategy should detail which platforms you’ll use, how often you’ll post, what type of content you’ll share, and how you’ll engage with your followers.
Here’s how to get started.
- Create a social media strategy: Your social media strategy should outline what type of platform to use, the content you’ll post, how often you’ll post, and how you’ll interact with your audience
- Engage with your audience: Promptly respond to comments and messages, ask your audience questions, and participate in relevant discussions
- Use social media ads: If your budget allows, consider using social media advertising. Most social media platforms offer detailed targeting options, allowing you to reach the people who are most likely to be interested in your services
- Track your success: Most social media platforms provide analytics that can give you insights into which posts are performing well, who your audience is, and how people are engaging with your content
Even if you have no remote work experience, you can use social media to obtain potential clients and make sales. It might take some time to build your audience and figure out what works best for your business, but with consistency and effort, social media can be a valuable tool for promoting your services.
As an independent insurance agent, we recommend working with Arrow; Arrow uses AI in order to offer up to five personalized posts a week, online traffic boosts, and weekly reporting. Get Arrow Now ($49 per month).
Content marketing is not about selling insurance products directly but about building relationships with your audience by providing content that is useful and interesting to them.
Here are the steps to effectively utilize content marketing while working from home.
- Develop a content strategy: A content strategy should outline the types of content you will create, how often you will publish, the topics you will cover, and where you will share your content
- Create relevant content: Your content could be blog posts, articles, videos, infographics, podcasts, or ebooks. The content could cover topics such as the benefits of different types of insurance, or answers to common insurance questions
- Optimize content for SEO: Search engine optimization (SEO) is important in content marketing because it helps your content reach a larger audience. Use keywords related to insurance that your audience might be searching for, and include them in your content
- Analyze and measure your success: Use tools such as Google Analytics to track how many people are viewing your content, how long they spend on your site, and what actions they take. This can help you understand what types of content are most effective and where you can improve
By offering high-quality, relevant content to your audience, content marketing strategies can help build a strong relationship with potential customers, establishing trust and credibility for your insurance business.
Recommended: If you are interested in boost-starting your content marketing campaign, have a look at Sitetrail’s premium press release services.
Email marketing is a digital marketing strategy that involves sending emails to a group of people who have signed up to receive them.
These emails are designed to build relationships with potential clients, promote insurance products or services, provide valuable content, or announce insurance sales and special offers.
- Create a subscriber list: This involves collecting email addresses from people who have expressed interest in your insurance products or services. This can be done through an opt-in form on your website or by offering a free ebook in exchange for an email address
- Create email newsletters: The content of your email newsletter can range from educational, like blog posts about different types of insurance, to updates about your services or promotions. Keep your emails clear, simple, and brief
- Use an email marketing service: Having an email marketing service, like Mailchimp, can help you manage your email list, create professional-looking emails, automate emails sent, and provide analytics
- Monitor your results: Pay attention to metrics like clicks and conversions, and see what types of emails and content are performing best
- Comply with data privacy laws: You must adhere to data privacy laws, which require obtaining consent before collecting email addresses, providing a clear unsubscribe option, and respecting the privacy and data rights of the recipients
Note: You’ll need to decide when and how often to send emails. This will depend on your audience and the nature of your content. Too many emails can annoy subscribers and lead to unsubscribes, but too few can make them forget about you. A good starting point might be one email per week.
Pay-per-click (PPC) advertising is a type of online advertising where advertisers pay a fee each time one of their ads is clicked by a user. It’s a way of buying visits to your site, rather than attempting to earn those visits organically.
Here’s how to apply PPC ads to your marketing strategy.
- Understand PPC ads: PPC advertising involves creating ads that will appear on search engines or social media platforms, where you only pay when someone clicks on your ad. Google Ads and Bing Ads are popular PPC platforms for search engines, while Facebook and Instagram are common for social media
- Create your ads: Craft your ad copy to highlight the benefits of your insurance services and why someone should choose you over competitors. A strong call-to-action (CTA) is vital
- Landing page: When a person clicks on your ad, they should be directed to a landing page that’s relevant to the ad and encourages them to take action, such as filling out a form for a quote, calling you, or purchasing a policy
- Set a budget: How much are you willing to pay for each click? Ensure you set up a daily budget. PPC advertising can be cost-effective, as you only pay when someone interacts with your ad
- Monitor and adjust: Regularly check how your ads are performing. You can adjust your strategy based on which ads are getting the most clicks and conversions
As with any marketing strategy, successful PPC advertising requires some trial and error. With consistent effort and monitoring, it can be a great way to attract potential clients and sell insurance from home.
Build a Website
Building a website to sell insurance from home can be a bit daunting if you don’t have much experience with it. But don’t worry! There are plenty of tools available to help you.
Here’s a guide on how you can build your own website.
- Define your goals and target audience: Understand what you want to achieve with your website (like selling specific insurance packages or providing information about different insurance policies) and who your target audience is
- Pick a domain name: The domain name is your website’s address on the internet. Choose something that is easy to remember and reflects your business. You can purchase a domain from a domain registrar like GoDaddy
- Create essential pages: At a minimum, you should have a Homepage, Services or Products page, an About Us page, a Contact Us page, and a space for your content like a Blog page.
- Implement SEO: Use keywords related to insurance services that potential customers might be searching for. This will help your website appear in search engine results
- Install key functionalities: Depending on your chosen platform, you may want to install additional features like a live chat function, social media integrations, or email newsletter sign-up forms
- Test and launch your website: Before you officially launch, test your website to make sure all links work, the checkout process is smooth, and it’s user-friendly
- Promote your website: Use SEO, social media, content marketing, email marketing, and paid advertising to drive traffic to your website
- Monitor and update your website: Use tools like Google Analytics to see how your website is performing, and make updates as needed
Building a website is an ongoing process. Continually updating your website and providing valuable content can help attract visitors and turn them into paying clients.
We recommend the GoDaddy Website Builder as a small insurance agent company. GoDaddy meets most small business needs while providing an extremely straightforward user experience.
Selling Insurance From Home With No Experience FAQ
How do I introduce myself when I sell insurance from home?
Introducing yourself when making insurance sales requires a clear message in creating positive moments for the client. To maintain relationships, you will need to communicate who you are, the company you represent, and how you can help the client both over the phone and through social media.
Do I need a license to sell insurance while working from home?
Yes. The licensing requirements can vary by state, where you’ll need to pass an exam and submit additional documents to obtain your license. For more information on the licensing requirements in your state, visit our How to Become an Insurance Agent guide.
Can I sell insurance from home without work experience?
Yes. You’ll need to obtain insurance licensing to understand the industry and the products you’re selling while working from home. Usually, insurance companies hire for customer support roles and offer cold calling training programs if you have no related work experience. For example, you could work from home as a car insurance customer service representative or a healthcare customer service agent.
How much money can I make if I sell insurance from home?
Your income will depend on many factors, including the type of insurance you sell, the commission structure, and how many clients you have. Some insurance agents earn six figures or more. Find out how much you can make by visiting our How Do Insurance Companies Make Money page.
Do I need to work under an insurance broker?
You may find insurance agents working in a brokerage firm, but they’re often not directly under a broker in a hierarchical sense. As an agent, you may function more like a broker representative, helping to connect clients with the best policies across multiple companies while working from home.
What are the challenges of working from home?
Working from home to sell insurance can pose challenges for insurance agents, such as maintaining self-discipline and motivation, managing your time effectively, and learning the types of marketing strategies and tools you’ll need to get the job done. See our Selling Insurance From Home article for more information.