Company Description:
Curtis Financial Group (CFG) is a provider of life insurance and retirement strategies, committed to helping families secure their financial future with confidence. As a growing agency, we strive to provide unwavering support and empower agents to succeed through a structured, proven process. We are proud to partner with a leading national brokerage that equips our agents with everything they need to succeed—with quality, value-based lead generation platforms, extensive training, and cutting-edge proprietary technology.
We offer a diverse portfolio of life insurance, retirement, and annuity products, ensuring personalized solutions that meet each family’s unique needs. Our agents are equipped with industry-leading resources, allowing them to guide and protect clients through every stage of life.
Whether working with digital or analog leads, the fully integrated CRM and mobile app allow agents to manage their business seamlessly from anywhere, giving them the flexibility to create a schedule that fits their lives.
By working with top-rated national carriers—many offering exclusive policies through our firm—we deliver exceptional value to clients making a real impact while fostering a dynamic and rewarding career path for our agents. Whether you’re looking to secure your family’s future or build a thriving business where growth, flexibility, and purpose come together, CFG is here to support your journey every step of the way.
Role Description:
This remote opportunity offers the flexibility to work full-time, part-time, or as a supplemental income source. As a Field Underwriter, you have the freedom to set your own schedule and operate in the time zones and states that align with your needs.
In this role, you’ll work closely with families seeking coverage, assess their needs, evaluate risk, and recommend the best coverage solutions personalized to their unique situation. Your responsibilities will include submitting applications to the most suitable carriers and facilitating the underwriting process.
Our brokerage provides agents with quality, complaint, pre-qualified leads through direct mail, call-ins, and digital marketing—eliminating the need for cold calling. Success in this position requires strong attention to detail, accuracy, and a commitment to delivering outstanding client service.
Compensation Structure:
This is a 1099 independent contractor position with commission rates starting at 80% of Annual Premium Value (APV) and scaling up to 130% APV, plus bonuses and potential equity ownership opportunities. Once you earn a commission rate promotion, it’s permanent—there are no maintenance requirements to keep it.
Agents earn commissions based on their personal production and receive overrides on their agency’s policies, calculated as the difference between their contract rate and the rate of their agents. Commissions are advanced, with 75% paid upon policy issuance and the remaining 25% distributed in months 10, 11, and 12. Agents can achieve legal ownership at the 105% contract level with six active writers—without the need for a capital investment.
There are no income caps or mandatory quotas. New part-time agents typically earn $3,000-$5,000 per month for 15-20 hours of work (about six policies), translating to approximately $36,000-$60,000 per year. Many start part-time with flexible scheduling before transitioning to full-time. Full-time agents commonly earn $10,000-$15,000 per month (15-20 placed policies), totaling $120,000-$180,000 annually, with additional passive income from agency overrides.
Beyond commissions, agents have access to carrier and brokerage bonuses, as well as exclusive incentive trips, making this an opportunity with significant earning potential and long-term growth.
Qualifications:
- Sharp analytical and problem-solving abilities
- Excellent communication and relationship-building skills
- Self-motivated and able to work independently while thriving in a team environment
- No prior insurance or underwriting experience needed—comprehensive training provided
- Detail-oriented with the ability to balance multiple tasks effectively
- A current Life, Health, and Accident state license is a plus but not required
- No degree necessary; success is driven by attitude and effort
- Passionate about helping others and seeking a supportive, growth-focused culture
- Reliable, proactive, and committed to doing the right thing, even when no one is watching
- Service-driven mindset
- Hardworking, goal-oriented, and motivated to create a meaningful impact
Candidates selected for an interview will receive a link to schedule their appointment.
Earnings potential varies based on experience, skill level, and location.
Job Types: Full-time, Part-time
Pay: $36,945.00 - $180,171.00 per year
Expected hours: No less than 25 per week
Compensation Package:
- Bonus opportunities
- Commission pay
- Uncapped commission
License/Certification:
- Life Insurance License (Preferred)
Work Location: Remote
