Life & Health Insurance License Study Courses

If you're considering getting your life and health insurance license, you might be wondering: What kind of jobs can I actually get with this? Great question! The good news is, a life and health insurance license opens the door to a variety of career paths, some traditional, some surprising.

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1. Insurance Agent (Captive or Independent)

The most common job is working as an insurance agent. Licensed agents can sell life insurance, health insurance, annuities, and other related products. You can work as a captive agent, which means you represent one company, or as an independent agent, selling products from multiple insurance carriers. Either way, you'll help people choose policies that protect their families, health, and future while earning a great income.

2. Insurance Broker

Brokers operate similarly to independent agents but focus more on finding the best coverage at the best price for clients. If you enjoy problem-solving and comparing options, becoming a broker could be a perfect fit.

3. Customer Service Representative (CSR)

Many insurance companies and agencies hire licensed CSRs to handle client inquiries, process policy changes, and support the sales team. A license gives you more authority and flexibility in this role, especially when discussing coverage options. Licensed CSRs typically earn more than other CSRs.

4. Claims Adjuster or Examiner

Licensed professionals often move into claims roles, where they investigate claims and decide how much the insurance company should pay. It’s a great job if you enjoy detail-oriented work and have a strong sense of fairness.

5. Underwriter

While many underwriters don’t have to be licensed, having a life and health license can give you an edge. Underwriters evaluate applications and determine whether to approve policies, and at what rate. It’s more of a desk job but crucial to the insurance process.

6. Agency Owner or Manager

Once you gain experience, you can start your own insurance agency or become a team leader. Owning an agency allows you to build your own business, hire agents, and scale your income.

How Much Money Can a Licensed Life and Health Insurance Agent Make? 

A licensed life and health insurance agent can earn a solid income, especially with experience and a strong client base. On average, new agents make between $40,000 and $65,000 annually, but top performers can earn over $100,000 with commissions and bonuses. Many agents are paid based on the policies they sell, which means your income potential is largely in your hands. Independent agents often have higher earning potential, while captive agents may receive a base salary plus commission. With hard work and consistent effort, this career can be both financially and personally rewarding.

Ready to Get Started? 

Getting licensed is your first big step into a flexible, recession-resistant career. Whether you enjoy sales, service, or strategy, there’s a role for you in the insurance world. The best part? You don’t need a college degree to get started, just a willingness to learn and a desire to help people protect what matters most. 

If you're ready to explore these opportunities, check out our online study courses and enroll in a pre-licensing course today.