Most Profitable Insurance Licenses in 2025—and How to Choose Yours

If you’re exploring a career in insurance, one of the first big decisions is which license to pursue. With options like Life & Health, Property & Casualty (P&C) , and Securities, each path offers different opportunities for earning potential. Let’s explore which license might help you earn the most—and why.

Before we dive into the numbers, it’s important to remember that while commissions can be a motivating factor, they should never be the sole reason to recommend a policy. As an insurance agent, you have a fiduciary responsibility to your client—to guide them toward the best policy for their unique needs, even if it doesn’t offer the highest payout. Protecting your client always comes first.

Top-Earning Licenses

Life & Health licenses often lead the way when it comes to high commissions. Selling life insurance policies, annuities, and Medicare Advantage plans can bring in substantial income—especially with recurring renewals and bonuses. If you’re good at building long-term relationships and explaining complex products, this could be a rewarding path.

Property & Casualty (P&C) agents sell things like auto, home, and business insurance. While individual policies may yield smaller commissions than life insurance, the sheer volume and steady renewals make it a financially reliable option with a high ceiling over time.

Adding a Securities license, like Series 6/63 or Series 7, opens the door to investments and financial planning. Agents licensed in both insurance and securities can offer bundled services, increasing their earning potential significantly.

Ultimately, the best license for your wallet depends on your goals, your strengths, and your client base. Many successful agents hold multiple licenses to diversify income and offer more value.

Things to Consider

How much money you can make with an insurance license really depends on a few key factors: your target market and client base, your personal sales skills, whether you’re working as an independent agent or with a captive agency, and what kind of bonus structures or renewal commissions your carriers offer. All of these can significantly influence your earning potential, regardless of the type of license you hold.

Conclusion:

There’s no one-size-fits-all “best” license, but a Life & Health license combined with a Securities license often offers the highest earning potential, especially if you’re selling investment-linked products like annuities. That said, Property & Casualty agents can also build highly profitable, long-lasting books of business—especially when working with commercial lines or niche markets. The key is to choose the path that excites you most and aligns with your strengths. And remember, you can always add more licenses as your career evolves. At the end of the day, the most rewarding insurance career—both financially and personally—is one built on trust, integrity, and doing what’s truly right for your clients.