Build a life insurance practice that belongs to you.
We are growing a team of independent life insurance agents across Maryland, D.C., and Virginia — and nationally for the right people. You bring diligence, coachability, and genuine care for families. We bring the licensing roadmap, the training, the carriers, and the mentorship.
Effort is the entry fee. Not a check.
This is a commission-based, independent-contractor opportunity. There are no guarantees of income — results depend entirely on your activity, licensing, and the clients you serve. What we can promise is that nobody on this team pays us to be here, and nobody works alone.
No buy-in, no team fees
You never pay us to join and there are no recurring dues to stay. Your money stays in your household.
Bonuses and incentive trips
Carrier and agency production bonuses, plus qualified incentive travel for agents who hit published targets.
Work from home
Run your business by phone and video from wherever you live. Set your own calendar around your family.
Lead support
Access to lead programs and warm-market coaching so you are not staring at an empty pipeline in week one.
Licensing help
We walk you through pre-licensing coursework, fingerprinting, the state exam, and carrier appointments.
Real career training
Weekly product and sales training, live call reviews, joint field work, and a mentor who picks up the phone.
Independent contracting
You are independent. Multiple A-rated carriers, so you recommend what fits the client, not a single shelf.
Ownership mindset
Build a book of business and, when you are ready, build and lead your own team inside the agency.
Veteran-led culture
Founded by a U.S. military veteran. Standards, straight talk, and nobody left behind on a hard week.
From no license to first policy.
Intro call
Twenty minutes on your goals, your schedule, and what this business actually looks like day to day.
Get licensed
We point you to the pre-licensing course for your state and keep you accountable through the exam.
Train and contract
Carrier appointments, product training, and scripts. You shadow real appointments before you run your own.
Serve families
Start writing life insurance with mentorship on every case until you are confident solo.
Diligence beats background.
- Veterans and first responders transitioning to civilian work
- Teachers, nurses, and service-industry professionals who like people
- Licensed agents tired of captive carrier shelves
- Part-timers who want to build before they leave a W-2
Important: agents are independent contractors compensated by commission. Chao Insurance makes no representation or guarantee of earnings. Bonuses, incentive trips, and lead programs are offered at the discretion of Chao Insurance and its partner carriers and may change or end at any time, and typically require qualification. A state insurance license is required before selling; pre-licensing course and state exam fees are set by third parties.
Ready to talk about the Chao Team?
One honest conversation about the work, the money, and whether this fits your life.