Insurance Sales Salaries, Commissions & Residual Benchmarks
Explore state-by-state compensation models across Medicare, ACA, and Life insurance. Compare W2 base + bonus vs 1099 independent street-level contracts.
Senior Medicare Advantage Advisor
Florida
Avg OTE
$92,000
Base Salary Range
$55,000 – $70,000
Avg Annual Commission
$28,000
Renewal & Residual Structure
$100–$150/year per retained contract
Independent Medicare Broker
Texas
Avg OTE
$145,000
Base Salary Range
Commission-Only (1099)
Avg Annual Commission
$115,000
Renewal & Residual Structure
Full street level (~$300 initial / $150 renewal)
Remote ACA Enrollment Specialist
National / Remote
Avg OTE
$62,000
Base Salary Range
$42,000 – $52,000
Avg Annual Commission
$15,000
Renewal & Residual Structure
Per enrollment bonus structure ($25–$50/app)
Final Expense Telesales Agent
Georgia
Avg OTE
$85,000
Base Salary Range
$36,000 – $48,000
Avg Annual Commission
$45,000
Renewal & Residual Structure
8–12% renewals after year 1
Insurance Producer Commission & Renewal Calculator
Estimate first-year cashflow and recurring renewal book value based on weekly production.
~400 policies annually
Typical range: $200–$350 for Medicare/ACA
Industry average is 82%–88% for Medicare
CMS Medicare Advantage cap is ~$300/yr
Year 1 Earnings
$112,000
100% First-Year New Production
Year 2 Total (w/ Renewals)
$163,000
Includes $51,000 recurring renewals
Year 3 Total (Cumulative)
$206,350
Includes $94,350 passive residual income