Become an Agent

At Coverage By Kay, we’re committed to building a team of motivated professionals who are passionate about helping clients make smart insurance decisions. Whether you're pursuing a career as a licensed insurance agent, sales representative, or customer service professional — we provide the tools, training, and flexibility you need to succeed.

This is a 1099 commission-only opportunity, ideal for individuals ready to build a long-term, flexible career with the potential for growth and high earnings.

Available Roles

Property & Casualty Agents

(Life & Health license preferred but not required)

Final Expense Agents – Life Licensed
Telesales (Free leads provided)
Field Sales (Premium direct mail leads, high-converting)

Perks & Support

Supportive Work Environment

We foster a culture of mentorship, teamwork, and personal growth.

Ongoing Training & Development

Whether you’re new or experienced, we provide training, certifications, and the tools you need to grow.

Discounted Licensing & Reimbursement

We help cover licensing costs through discounted prep and exam reimbursement.

Remote Work & Flexible Scheduling

Achieve work-life balance while working from anywhere.

Weekly Training, CRM & Marketing Tools

Access to everything you need to work efficiently and close more sales.

Lead Support

Free and paid options—including live transfers—to help you stay productive.

Bonuses for Top Performers

Your hard work doesn’t go unnoticed. We reward performance.

Sales Agent (Licensed or Unlicensed)

Join the Coverages by Kay team as a licensed insurance agent and build a long-term, flexible career. This is a 1099 commission-only position for motivated individuals ready to grow.

Requirements:

Licensed Sales Agents: A current California insurance license is required. If you’re already licensed, you’re ready to start immediately!

Unlicensed Sales Agents: If you’re not yet licensed, we can help you get started. We offer a discounted licensing course to support your journey and a reimbursement for passing the licensing exam.

Experience:

Experience in sales is preferred, but not required. If you’re new to sales, we provide training and mentorship to ensure you’re set up for success.

Goal-Oriented and Self-Motivated: Ability to work independently, meet sales goals, and thrive in a target-driven environment.

Discounted Licensing Course & Exam Reimbursement:

We’ll help you pay for the licensing process with a discounted course and reimbursement for exam fees upon passing.

Comprehensive Training:

Ongoing sales training and product knowledge sessions to ensure you’re confident in your ability to sell insurance effectively.

Earning Potential

Competitive commissions and bonuses based on your sales performance. The more you sell, the more you earn!

Apply Now

Customer Service Representative

Our Customer Service Representatives are the heart of our operation. As the first point of contact for our clients, you’ll provide exceptional service, assist with inquiries, and help guide customers through their insurance needs.

Requirements:

No License Required: This role does not require a state insurance license, though some basic insurance knowledge is a plus.
Communication Skills: Must have strong verbal and written communication skills to engage with customers professionally.
Problem-Solving Abilities: Ability to handle client concerns and provide solutions quickly.
Customer-Centric Attitude: A passion for helping others and ensuring a smooth experience for every client.

Training Provided

Comprehensive on-the-job training to help you succeed and understand all products.

Advancement Opportunities

We love promoting from within—if you’re interested in transitioning to a licensed sales or service role, we’ll support your growth!

Earning Potential

Competitive commissions and bonuses based on your cross sale, and retention performances.

The more you interact, the more you earn!

Apply Now

California Licensing Requirements

Meet Eligibility Requirements

Before you can apply for an insurance agent license in California, you must meet the following eligibility requirements:

Age: You must be at least 18 years old.
Legal Status: You must be a U.S. citizen, U.S. national, or legal resident alien with work authorization in the U.S.
Criminal History: You must not have any felonies or major criminal convictions. However, a past criminal history may not automatically disqualify you, depending on the circumstances and the type of offense.
Residency: While you don’t have to be a California resident, if you’re applying for a California insurance license, you must comply with California state laws

Complete Pre-Licensing Education

California requires pre-licensing education before you can sit for the licensing exam. The specific education requirements depend on the type of insurance license you are seeking (e.g., Life, Health, Property & Casualty, etc.).

Time Requirement:
- Life and Health Insurance License: 20 hours of pre-licensing education.
- Property and Casualty Insurance License: 40 hours of pre-licensing education.
- Personal Lines License: 20 hours of pre-licensing education.
Note: Some courses may offer a combination of life, health, or property insurance, allowing you to meet the requirements for multiple licenses in one course.
Course Delivery: Courses are typically available online or in-person through accredited providers. California law mandates that pre-licensing courses be completed through a California Department of Insurance-approved provider.

Pass the Pre-Licensing Exam

Once you’ve completed the required pre-licensing education, you must pass the state licensing exam for the type of insurance you wish to sell.

Exam Content: The exam will cover topics related to the specific type of insurance you are applying for. Common topics include insurance laws, ethics, policy structures, and claims handling.
Time Limit: You are typically allowed 2 hours to complete the exam, which contains 100 to 150 questions, depending on the type of insurance license.
Passing Score: You must score at least 70% on the exam to pass.
Exam Fee: The fee to take the exam varies by the type of license, but it typically ranges from $40 to $100 per attempt.

Submit Fingerprints and Background Check

You will be required to submit fingerprints for a background check. This is done to ensure you do not have any disqualifying criminal history.

Live Scan Fingerprinting: You must visit an authorized Live Scan fingerprinting location in California to submit your fingerprints.
Cost: The fingerprinting fee typically ranges between $30 to $100 depending on the service provider.

Submit the Insurance Agent License Application

After you’ve completed the pre-licensing education, passed the exam, and completed the fingerprinting, you can submit your application to the California Department of Insurance for your insurance agent license.

Application Fee: The fee for submitting a license application is typically around $170.
Application Form: You can complete your application online through the California Department of Insurance website.

Receive Your Insurance License

After your application is processed and approved, you will receive your official insurance agent license. The processing time can take up to 4–6 weeks after you submit your application and pass the required steps.