Income Difference Between Insurance Agent Types

What difference is there in income between life and health and property and casualty?

Does it make a difference (in terms of income and career expectations) what type of insurance I sell?

Put simply, yes, there is a difference. As far as income, larger first year commissions often come from Life or Health Insurance sales. Selling auto or home insurance (Casualty and Property, respectively) yields lower first year commissions, but agents often sell more of these types of policies. Second year and other future commissions are generally higher with the Property and Casualty customers.

Career Expectations - It is generally considered that P & C (Property and Casualty) agencies require more maintenance, in that customers have more changes with buying and selling property and claims must be handled. For this reason agents find they need staff earlier on and on a consistent basis or the agent will get bogged down with the daily business and will be unable to maintain client relationships and build a bigger agency.

Life and Health agents do tend to narrow their focus, as well, as some will stay with the sale of individual policies, some will move into group sales, some will move into estate planning, and some will gravitate into securities. Many Life agents will develop agencies in which they have specialists to help in the various areas their clients need help; the agent uncovers the need and then works with the agency specialists to bring more focus on the particulars.

Is there a difference in terms of income between the different insurance types?

Becoming Licensed

Individuals considering becoming licensed to provide insurance should look into one of our many insurance licensing courses.

Get Licensed:

Get Continuing Education:

What Your Colleagues Are Saying

“Thanks to your program and lots of studying I passed my Life & Health exams. Tell everyone to follow the instructions & study like your company advises. It sure seems to work.”

Steven S.

“Your Exam Advantage questions are really good preparation…You really helped me know what I was going to be up against.”

M. Bischoff

“Using your company has been a wonderful experience. Working with Exam Advantage has been one of the least stressful parts of my entire job! Thank you!”


“I want to thank you for your tips. I did exactly as you advised with the reading of the manual, online study & breaks, and no worrying I passed the test! Thank you!”

Pamela W.

Your program really helped me focus on the material that had been difficult for me. I passed this time! Thank you!

L. De La Vega