Your work. Your records.
Insurance Sales Agent Workplace Records
Insurance sales agents may work as employees, brokers or through other arrangements, and the title alone does not resolve employment status. For a workplace review, identify the entity that paid you, the agreement governing your work and the disputed decision. Separate personal compensation records from policyholder records entrusted to you.
Call now(800) 800-5555Free initial case evaluation. Representation depends on work state and case eligibility. This guide explains record preparation; it does not determine whether a legal claim exists.
A record map for your role
What to organize first
Agreement versions
Keep your own compensation terms and dated changes, noting when each version was communicated to you.
Renewal or reversal
Record the compensation period, stated reason for an adjustment and your request for an explanation.
Assignment changes
List changes to territory, service duties or account access, with the person who directed the change.
Start with the work you actually do
Sell life, property, casualty, health, automotive, or other types of insurance. May refer clients to independent brokers, work as an independent broker, or be employed by an insurance company.
O*NET classifies this occupation as Insurance Sales Agents (41-3021.00). Its description covers a typical occupation, not every workplace or individual job. It does not establish employee status, overtime eligibility or employer misconduct.
- Customize insurance programs to suit individual customers, often covering a variety of risks.Source task 720 · updated 08/2018
- Sell various types of insurance policies to businesses and individuals on behalf of insurance companies, including automobile, fire, life, property, medical and dental insurance, or specialized policies, such as marine, farm/crop, and medical malpractice.Source task 721 · updated 08/2018
- Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans.Source task 724 · updated 08/2018
- Perform administrative tasks, such as maintaining records and handling policy renewals.Source task 728 · updated 08/2018
- Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.Source task 723 · updated 08/2018
A reference point for your pay records
May 2025 wage estimates by state
Compare your pay records with published BLS estimates for Insurance Sales Agents (SOC 41-3021). These describe an occupation across employers. They are not a required pay rate, an overtime calculation, or evidence of discrimination or unpaid wages.
Select your work state to see its published pay range. No personal pay information is requested or sent.
The 25th and 75th percentiles mark the middle half of the estimated wage distribution; the median is its midpoint. Actual pay can differ with experience, employer, location and duties. Hourly and annual figures are shown as published, without converting one into the other.
All published state estimates for this occupation
| State | Hourly 25th | Hourly median | Hourly 75th | Annual median |
|---|---|---|---|---|
| Alabama | $22.95 | $31.50 | $49.57 | $65,510 |
| Alaska | $23.94 | $24.28 | $34.68 | $50,500 |
| Arizona | $23.09 | $29.59 | $38.34 | $61,560 |
| Arkansas | $19.69 | $27.27 | $38.38 | $56,720 |
| Connecticut | $25.77 | $35.98 | $49.67 | $74,840 |
| Delaware | $21.71 | $22.46 | $37.01 | $46,710 |
| Florida | $22.12 | $28.75 | $38.18 | $59,790 |
| Georgia | $22.11 | $29.74 | $47.80 | $61,850 |
| Hawaii | $27.85 | $30.85 | $38.19 | $64,170 |
| Idaho | $22.95 | $28.13 | $45.60 | $58,510 |
| Indiana | $23.48 | $29.50 | $45.53 | $61,360 |
| Iowa | $22.01 | $28.92 | $39.46 | $60,140 |
| Kansas | $22.50 | $29.03 | $49.99 | $60,370 |
| Kentucky | $22.24 | $29.27 | $38.94 | $60,880 |
| Louisiana | $20.90 | $26.65 | $38.24 | $55,440 |
| Maine | $24.00 | $30.25 | $37.91 | $62,920 |
| Michigan | $23.02 | $29.76 | $42.50 | $61,900 |
| Minnesota | $28.82 | $37.81 | $50.08 | $78,640 |
| Mississippi | $17.99 | $23.04 | $37.54 | $47,930 |
| Missouri | $20.18 | $28.36 | $39.40 | $58,990 |
| Montana | $24.09 | $29.83 | $40.00 | $62,040 |
| Nebraska | $23.22 | $29.61 | $45.07 | $61,590 |
| New Hampshire | $26.12 | $35.75 | $49.19 | $74,370 |
| New Mexico | $17.55 | $21.72 | $34.13 | $45,180 |
| New York | $26.83 | $37.55 | $60.26 | $78,110 |
| North Carolina | $21.14 | $28.23 | $37.71 | $58,710 |
| North Dakota | $27.60 | $34.24 | $46.41 | $71,220 |
| Ohio | $22.74 | $29.45 | $38.96 | $61,260 |
| Oklahoma | $18.44 | $23.04 | $37.30 | $47,920 |
| Pennsylvania | $23.50 | $35.28 | $48.25 | $73,370 |
| Rhode Island | $29.43 | $38.43 | $59.17 | $79,930 |
| South Dakota | $27.82 | $34.61 | $47.89 | $71,990 |
| Tennessee | $21.49 | $27.46 | $37.19 | $57,120 |
| Texas | $19.10 | $24.61 | $40.13 | $51,180 |
| Utah | $22.10 | $29.44 | $45.71 | $61,230 |
| Vermont | $29.28 | $34.00 | $39.89 | $70,720 |
| Virginia | $22.30 | $29.10 | $38.75 | $60,520 |
| West Virginia | $16.48 | $21.86 | $36.18 | $45,480 |
| Wisconsin | $27.44 | $38.20 | $51.92 | $79,450 |
| Wyoming | $26.34 | $34.53 | $47.86 | $71,830 |
“Not published” preserves unavailable or suppressed source cells. “Above reporting limit” preserves a top-coded source value without inventing a number. A missing state estimate does not establish service eligibility. The data describe wage and salary employment; they do not measure self-employment income.
Source: BLS May 2025 state workbook · OEWS tables · BLS technical notes. Use your own schedule, pay statement and compensation terms to identify the question you want reviewed.
Explain the compensation event
Identify the plan version and the event linked to the disputed amount, such as a sale, renewal or reversal. Record the period, the explanation you received and any question you raised. Use your own compensation statements where available. Do not infer that a policy premium is your earned compensation or that every renewal follows identical terms.
Trace territory and service responsibilities
Note who assigned prospects or accounts, controlled pricing discussions and approved changes in responsibilities. Explain whether you continued administrative or renewal work after an assignment changed. Preserve permitted instructions about your own duties. Distinguish access to an account from ownership of the customer relationship, and avoid drawing classification conclusions from one feature of the arrangement.
Keep policyholders out of the employment file
Do not export policy applications, beneficiary details, medical information, financial statements or prospect lists. Describe disputed transactions using a nonidentifying reference and the type of company record that exists. Identify the authorized custodian for any necessary review. Keep your personal agreement, earnings statements and employment correspondence in a separate, limited packet.
Choose your next step
Review the workplace retaliation guide, unpaid wages guide, or discrimination guide if those concerns fit your experience. A job title alone does not establish a claim.
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