🏆 Most Profitable Licenses for Life Insurance Agents (Ranked 2025)
If you've already got your life insurance license, congratulations — you've opened the door to a six-figure career. But why stop there? By stacking other licenses on top of your life license, you can unlock even bigger commissions, diversify your income, and offer more value to your clients.
Here's a breakdown of the most profitable licenses you can add, ranked from highest to lowest income potential in 2025:
💼 1. Series 7 + 66/63 — Securities Licenses
Max Potential: 💰 $500K+/year
What It Does:
Allows you to sell stocks, bonds, ETFs, and manage full investment portfolios.
Why It's #1:
These licenses transform you into a full-blown financial advisor. You can earn recurring fees by managing assets (AUM model) and cross-sell life insurance, annuities, and more.
📌 Example: Charging just 1% on $5 million in assets under management = $50,000/year in passive income.
🔥 2. Life + Variable Products (Series 6/63 or 7/66)
Max Potential: $300K+/year
What It Does:
Allows you to sell investment-based insurance like IULs, VULs, and variable annuities.
Why It's Hot:
These products pay massive upfront commissions and are in high demand among middle-class and high-net-worth clients looking for growth + protection.
🏠 3. Mortgage Loan Originator (MLO/NMLS)
Max Potential: $250K/year
What It Does:
Lets you originate and close mortgage loans.
Why It's Lucrative:
Earn $2,000–$5,000 per closed deal and cross-sell mortgage protection life insurance on the back end. This combo is 🔑.
🏡 4. Property & Casualty License (P&C)
Max Potential: $150K+/year
What It Does:
Enables you to sell auto, home, and commercial insurance.
Why It Pays:
Great for bundling. Plus, you earn residual commissions each year the policy renews. Build a book once, get paid for life.
❤️ 5. Health Insurance License (ACA & Medicare)
Max Potential: $120K/year
What It Does:
Lets you sell ACA, dental, vision, and Medicare plans.
Why It Matters:
Perfect for bundling with life insurance. Many life agents double their appointment value by offering Medicare or health plans on top.
🏘️ 6. Real Estate License
Max Potential: $100K+/year
What It Does:
Allows you to help clients buy and sell property.
Why It's Here:
While not residual, real estate pays big commissions per deal — and gives you access to homeowners (ideal for cross-selling life, annuities, etc.).
📝 7. Adjuster License
Max Potential: $80K/year
What It Does:
Lets you handle and settle insurance claims.
Why It's Lower:
Great during natural disasters (CAT season), but not scalable unless you love claims more than clients.
🖊️ 8. Notary Public
Max Potential: $20K/year (side income)
What It Does:
Certify documents and signatures
Why It's Useful:
Super low-cost, easy to get, and adds credibility when closing policies — but not a core income source.
💡 Final Thoughts
If you're looking to scale your income beyond just life insurance, the top licenses to consider are:
- Series 7 + 66 – Maximize wealth management + AUM
- Variable Life (Series 6/63) – Unlock the power of IULs and annuities
- MLO – Stack mortgage income + cross-sell protection
- P&C + Health – Build a diverse, long-term income stream
🚀 Ready to Take It to the Next Level?
Whether you're just starting or already closing deals, expanding your licenses is the fastest way to increase your average deal size, commissions, and long-term income.
Have questions? Want a customized roadmap? Reach out — I'll walk you through your best options.