Cover - How An Insurance Sales Career With Progressive Insurance Works

How An Insurance Sales Career With Progressive Insurance Works

By David Duford - January 03, 2023 - 5 Mins Read

Disclaimer: We are not in any way affiliated with Progressive Insurance. In fact, we are a direct competitor of theirs. This article is our personal review of their agent sales career opportunity and our personal opinions of the company. If you are looking to contact Progressive Insurance directly, call them at 1- 855-347-3939.

Do you want to learn more about starting a career selling insurance with Progressive Insurance?

If you are trying to decide if working with Progressive Insurance as an insurance agent is a good idea, you’ve found the right article.

Let’s jump right in!

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About Progressive

The Progressive Corporation was founded by Joseph Lewis and Jack Green under the name Progressive Insurance Company in 1937.

The company is best known for providing car insurance and is one of the nation’s largest auto insurers.

It has corporate headquarters in Mayfield Village outside of Cleveland, and office locations in Tampa, Austin, Colorado Springs, Phoenix, and Sacramento.

Products Sold

Besides auto insurance, Progressive sells a wide range of insurance products including life insurance.

Although it offers both whole life and universal life policies, its main product is term life insurance.

Progressive offers life insurance through its partnership with eFinancial, an online and call center-based insurance agency.

Because Progressive offers nearly all types of insurance coverage on the market, customers can get multiple coverage policies from the same source and benefit from advantageous price packages through “bundling policies”.

How selling with Progressive works

Progressive primarily offers its services through independent insurance agents online or by phone.

Progressive helps independent agents build their businesses whether they are new to the industry or expanding an existing agency.

Before they start selling with Progressive, agents must have an agency license in the state where they plan to write business. The company also conducts a criminal background check on all agents.

Progressive offers agent training as part of their everyday operations, in the form of product training and showing them how to get the best rates for their clients.

A team of dedicated field sales and marketing sales representatives are there to support and guide the agents. They can help with everything from teaching marketing strategies to showing how to make the most of the IT tools and other resources.

The company offers ample growth opportunities and benefits. It is known for its diverse, inclusive, and flexible work environment.

Progressive Leads

Progressive helps its agents to grow a client base by providing leads through their local search program called ListAgent system.

The carrier claims that due to its extensive media and web presence, it’s able to generate close to 50,000 leads every month for its independent agents.

Progressive Commissions

Like most insurance companies, Progressive doesn’t publish its commissions for agents.

The company, however, states that it has competitive benefits and compensations for agents.

What’s more, all employees have the opportunity to share in the carrier’s Gainsharing Plan, an annual bonus program dependent upon company performance.

Is Progressive a scam, MLM, or pyramid scheme?


Progressive is not a scam. It’s a reputable company with an A+ rating from BBB, AA rating from Standard & Poor’s and Fitch, as well as A+ Superior rating from AM Best.

Moreover, Progressive has excellent employee reviews. It is a Fortune 100 company and was named one of the best places to work in the United States.

According to the statistics from Great Place to Work, 92% of employees at Progressive say it’s a great place to work compared to 59% of employees at average American companies.

Progressive is not a multi-level marketing (MLM) business opportunity or pyramid scheme.

In other words, it doesn’t consist of multiple layers of agents, mentors, and trainers. It is, therefore, not suitable for agents who are primarily looking to recruit.

My Thoughts

Now that you know more about how Progressive Insurance sales careers work, I’d like to share my thoughts with you.

Non-competes and Vesting

I believe that the insurance sales business is not a job opportunity but a business opportunity. As such, this means you need to think about what your long-term income opportunities are.

For instance, if I decide not to sell a particular insurance product since I’m an independent broker, I’ll still continue to get paid renewal streams of income for life.

However, some organizations believe that this income is theirs and will leave you with nothing if you decide to leave, turning a once-lucrative business opportunity into a simple employee-company style job that’s only good as long as you’re an employee.

Ask your Progressive manager about whether or not your business is vested. This is the official terminology that refers to whether or not you own your book of business.

Also, ask about non-compete restrictions. Although I’m not 100% sure, Progressive will likely require you to sign a non-compete clause that prevents you from selling to their clients if you decide to leave.

This is standard practice for most companies and will usually last a few years.


I hope you enjoyed this article and now understand a little more about how an insurance sales career with Progressive Insurance works.

I train new and experienced agents to become top producing agents in final expense, Medicare Advantage, and annuity sales.

If you’d like more information about how my organization works, click the link here.

Make sure to also check out my agent success stories as well as my best selling insurance sales books.

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