---
title: Life Insurance for Real estate agents | Coverfolk
url: https://coverfolk.com/jobs/real-estate-agents
updated: 2026-10-08
---

# Life insurance for real estate agents

Real estate agents help people buy and sell homes. BLS counts about 531,000 broker and agent jobs. Most are self employed.

[Find my coverage gap](/jobs/real-estate-agents/calculator)

Updated October 8, 20262 sources[Fact checked](/editorial-standards)

**531,000**About 531,000 real estate broker and sales agent jobs (530,600) (2025)[Source: BLS OOH: Real Estate Brokers and Sales Agents](https://www.bls.gov/ooh/sales/real-estate-brokers-and-sales-agents.htm)

[### real estate agents coverage calculator

Your pay, your loans, your work plan. See the gap in 30 seconds.

Open](/jobs/real-estate-agents/calculator) [### If you die on the job

What workers comp, work plans and Social Security pay, and what they don't.

Open](/jobs/real-estate-agents/on-the-job-death)

## Why it matters

Agents earn most of their pay from commissions. BLS says agents sometimes go weeks or months without a sale. That makes savings and a backup plan important.

If you work on your own, there is no work life plan from a broker. A plan you own can help your family if you die.

* BLS says most real estate brokers and agents are self employed: 55 percent of brokers and 54 percent of agents.
* BLS benefit counts leave out the self employed, so any coverage is up to you.

## What an insurer may ask you

Have these ready. Being honest up front gets you a real price and avoids problems at claim time.

* How you are paid: commission or salary
* How you prove income, like tax returns
* Whether you are self employed
* Your age, health, and tobacco use

## Common questions

Do real estate agents get life insurance through their broker?

Most do not. Most agents are self employed, so they buy their own.

How do I prove income on commission?

Insurers may ask for tax returns, especially for large policies.

Is real estate a risky job for life insurance?

No. Your age, health, and tobacco use matter most.

How much should I get?

Think about your mortgage, debts, kids, and how long your family would need help.

## Coverage people in this job pick

[**Term life: The most coverage for the least money, for 10 to 30 years.**](/coverage/term-life)[**Mortgage protection: Life insurance sized to your home loan, so the house stays paid.**](/coverage/mortgage-protection)[**Final expense: Small whole life plans that pay for a funeral and last bills.**](/coverage/final-expense)[**Does my job change what I pay for life insurance?**](/answers/does-my-job-affect-life-insurance)[**Is the life insurance from my job enough?**](/answers/work-life-insurance-enough)[**How much life insurance do I need?**](/answers/how-much-life-insurance-do-i-need)

## Sources

1. [BLS OOH: Real Estate Brokers and Sales Agents](https://www.bls.gov/ooh/sales/real-estate-brokers-and-sales-agents.htm)
2. [BLS: Employee Benefits in the United States, March 2026](https://www.bls.gov/news.release/ebs2.htm)

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