Work From Home Opportunity - Entry-Level Insurance Specialist

March 6, 2026

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Harbor Point Financial

Clear guidance. Real protection.

Harbor Point Financial is growing and we are looking for motivated individuals who want a real remote career opportunity — no experience required.

We welcome anyone serious about building something long-term and have the freedom of a flexible work schedule.

If you’re hardworking, coachable, and willing to learn, this opportunity may be a great fit.

What Makes This Opportunity Different?

You do NOT need:

Insurance experience
A finance background
A college degree

We provide:

A structured 20-hour licensing training course after onboarding
Clear guidance through the state licensing process (if not already licensed)
Ongoing mentorship and coaching

No license required to apply. We walk you through every step if you are not already licensed.

Compensation

1099 Independent Contractor position
100% performance-based commission
Paid per issued policy directly from insurance carriers not the Agency
Renewal income opportunities available depending on product and carrier
Strong income potential for consistent performers

There is no base salary. Income depends on personal effort and production.

Licensing & Onboarding Timeline

Typical timeline to see first commissions: approx. 1-2 months depending on licensing status, availability, and state requirements.

Onboarding includes:

Platform application and background review
Guided onboarding and training materials
Tevah Tech Account Setup
State-required pre-licensing education (hours vary by state)
Fingerprinting (State requirement)
State Licensing Exam
Errors & Omissions (E&O) insurance
Ongoing Continuing Education Requirements (CE)

Licensing and onboarding expenses are regulated by the state and paid directly to third-party provided. All costs are the responsibility of the candidate. Full guidance is provided through the process.

This Role May Not Be a Fit If:

You prefer hourly pay with guaranteed income
You are not comfortable working independently
You are unwilling to complete licensing requirements

Business Development Resources

Agents have access to structured guidance and multiple methods of client acquisition, including:

Internal lead programs
Referral systems
Warm market education
Networking strategies

Lead programs are optional and may involve marketing expenses depending on the approach an agent chooses. Our training covers how to evaluate and responsibly manage marketing investment decisions.

This is a professional independent contractor opportunity. Agents are not required to purchase leads to apply or participate in training.

If you are motivated, coachable, and willing to learn, we encourage you to apply. Applicants from all professional backgrounds are welcome.

Requirements

Must reside in the United States
Must be able to pass a background check
Must be willing to obtain a Life Insurance License (we guide you through the process)

Work Location

Remote – United States

Want to know more about our Agency? Visit

Job Types: Full-time, Part-time

Pay: $80,000.00 - $120,000.00 per year

Benefits:

Flexible schedule
Work from home

Application Question(s):

Are you comfortable working in a 100% commission-based, 1099 independent contractor role?
Are you willing and able to obtain a state Insurance License if you are not currently licensed?
Are you able to pass a background check as part of the licensing process?
Licensing and onboarding costs are required by the state and paid directly to third-party providers. Are you comfortable covering these costs to obtain your license?

Work Location: Remote

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Common Interview Questions And Answers

1. HOW DO YOU PLAN YOUR DAY?

This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

2. HOW DO YOU USE THE DIFFERENT COMMUNICATION TOOLS IN DIFFERENT SITUATIONS?

When you're working on a remote team, there's no way to chat in the hallway between meetings or catch up on the latest project during an office carpool. Therefore, virtual communication will be absolutely essential to get your work done...

3. WHAT IS "WORKING REMOTE" REALLY FOR YOU?

Many people want to work remotely because of the flexibility it allows. You can work anywhere and at any time of the day...

4. WHAT DO YOU NEED IN YOUR PHYSICAL WORKSPACE TO SUCCEED IN YOUR WORK?

With this question, companies are looking to see what equipment they may need to provide you with and to verify how aware you are of what remote working could mean for you physically and logistically...

5. HOW DO YOU PROCESS INFORMATION?

Several years ago, I was working in a team to plan a big event. My supervisor made us all work as a team before the big day. One of our activities has been to find out how each of us processes information...

6. HOW DO YOU MANAGE THE CALENDAR AND THE PROGRAM? WHICH APPLICATIONS / SYSTEM DO YOU USE?

Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

7. HOW DO YOU ORGANIZE FILES, LINKS, AND TABS ON YOUR COMPUTER?

Just like your schedule, how you track files and other information is very important. After all, everything is digital!...

8. HOW TO PRIORITIZE WORK?

The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

9. HOW DO YOU PREPARE FOR A MEETING AND PREPARE A MEETING? WHAT DO YOU SEE HAPPENING DURING THE MEETING?

Just as communication is essential when working remotely, so is organization. Because you won't have those opportunities in the elevator or a casual conversation in the lunchroom, you should take advantage of the little time you have in a video or phone conference...

10. HOW DO YOU USE TECHNOLOGY ON A DAILY BASIS, IN YOUR WORK AND FOR YOUR PLEASURE?

This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...