How Do I Become an Insurance Agent in Tennessee?

Getting an Insurance Agent Job in Tennessee: Captive vs. Independent

Once you’ve earned your license, you’re not quite ready to start selling solo. You’ll need to align yourself with a company by joining as a captive agent or contracting independently with an agency or brokerage (like Envela) that partners with multiple insurance carriers. Each path has its pros and cons, depending on how much freedom, support, and earning potential you’re looking for.

A captive agent:

• Works for one insurance company (e.g., State Farm, Geico)
• Can only sell that company’s products
• Works set hours and follows a structured, potentially strict, work schedule
• Often earns a salary plus commission or base pay
• Has a limited product variety, which can make it harder to compete on price or coverage

An independent agent:

• Contracts with an agency or brokerage that represents multiple insurance carriers
• Can shop around and offer clients the best policy for their needs and budget
• Typically works on commission only, but with higher earning potential
• Greater flexibility to build your own book of business and brand
• Is often seen as more client-focused and competitive, especially in today’s market

Many agents, new and experienced, find the independent path more rewarding long-term. It offers the freedom to grow your business on your terms while giving clients more value and options.

What You’ll Need to Start Selling

You don’t need a fancy office to start selling insurance, but you do need the right tools to work like a pro. Many of these may be provided if you’re a captive agent. As an independent agent, they’re an investment in your future and earning potential. Here’s what you’ll need:

• Laptop or desktop with solid processing power to handle client records, quoting software, and carrier portals.
• High-speed internet connection, especially if you work remotely.
• Professional phone setup (mobile, landline, or internet-based) so you’re always reachable for clients.
• Quoting and submission platforms to deliver fast, competitive quotes across carriers.
• E-signature software that makes signing applications and policies simple and secure.
• Branded email account (think yourname@youragency.com) to boost trust and credibility.
• Calendar and scheduling tools to keep your appointments organized and on time.
• Secure cloud storage to safely handle sensitive client info.
• Errors & Omissions (E&O) insurance because when you’re advising clients, you want to protect yourself, too.

There are also a few optional tools that can help level up your success as an agent:

• A personal website or landing page to capture leads, boost your credibility, and increase your online visibility.
• Business cards and branded materials for networking events, local outreach, and leaving a lasting impression.
• Professional attire. Whether you’re on a phone call or meeting in person, how you show up still matters for building trust.

Apply to Become an Insurance Agent with Envela

You’ve got your insurance license, and now it’s time to find the right place to put it to work. You could grind through a 9-to-5 in a stuffy office cubicle as a captive agent, or you could spend Tuesday afternoons hiking the Great Smoky Mountains and grabbing ice cream with your kids afterward. That’s the kind of flexibility you get when you become an independent insurance agent with Envela.

Our “agency-in-a-box” model gives you everything you need to hit the ground running: on-demand leads, instant commissions, digital marketing tools, training, support, and access to 20+ top-tier carriers — all without the overhead or corporate red tape.

Whether you’re in Chattanooga, Memphis, or anywhere in between, you’ll have the power to build your brand, serve your community, and grow your income on your own terms. Ready to join a gig-style platform that offers more than just a paycheck? Apply now and start selling insurance in Tennessee.

FAQs

How long does it take to become an insurance agent in Tennessee?
The timeline can vary, but most people can get licensed in 2 to 6 weeks. It depends on how quickly you complete your pre-licensing education, pass the exam, submit your fingerprints, and file your application. If you stay focused and schedule everything back-to-back, you can get licensed faster and start selling sooner.

How much does it cost to get licensed to sell insurance in Tennessee?
Expect to spend around $375 to $600+ per line of authority. That includes pre-licensing courses, exam fees, fingerprinting, and the state application fee. Your cost will increase if you go for multiple lines (like Property & Casualty or Life & Health). Many providers offer discounted bundled courses, which can help you save.

Can I work part-time if I sell insurance?
Absolutely. With Envela’s gig-style model, you set your own hours. Whether you want to build a full-time career or sell policies on the side for extra income, we’ve got the tools and support to help you thrive. You can take calls from home, write quotes between errands, and even sell on weekends. It’s truly your business, your way.