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Final Expense Agent Jobs (NOW HIRING)

Family Comes First LLC

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Remote Final Expense Agent

Irvine, CA · Remote

$48K - $100K/yr

Remote Final Expense Agent ONLY 2 POSITIONS REMAINING ***SHIFT we are hiring for is 9 to 6 or 10 to 7pm PST. We are looking for experienced, licensed Final Expense agents to join our remote inbound ...

Jacobs Final Expense Agency

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Final Expense Life Insurance Agent

Memphis, TN · On-site

$350 - $2.5K/day

... Final Expense** Our agents love what they do -- and they succeed. You'll be supported by a strong network of managers who are ready to guide, train, and help you win. We make sure every agent has the ...

Jacobs Final Expense Agency

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Final Expense Life Insurance Agent

Little Rock, AR · On-site

$50K - $100K/yr

... Final Expense** Our agents love what they do -- and they succeed. You'll be supported by a strong network of managers who are ready to guide, train, and help you win. We make sure every agent has the ...

Jacobs Final Expense Agency

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Final Expense Life Insurance Agent

Little Rock, AR · On-site

$50K - $100K/yr

... Final Expense** Our agents love what they do -- and they succeed. You'll be supported by a strong network of managers who are ready to guide, train, and help you win. We make sure every agent has the ...

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Final Expense Agent information

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$38K

$81.8K

$112K

How much do final expense agent jobs pay per year?

As of Sep 12, 2026, the average yearly pay for final expense agent in the United States is $81,805.00, according to ZipRecruiter salary data. Most workers in this role earn between $62,500.00 and $98,500.00 per year, depending on experience, location, and employer.

What is a final expense agent?

Final expense agents are licensed insurance professionals who help clients find and purchase final expense insurance policies, which are designed to cover end-of-life costs such as funeral expenses, medical bills, and other outstanding debts. These agents work with individuals, typically seniors, to assess their needs and recommend suitable coverage options. Their role involves explaining policy features, answering questions about costs and benefits, and assisting clients throughout the application process. Final expense agents can work independently or for insurance companies, and they often conduct meetings in clients’ homes, over the phone, or virtually.

What does a final expense agent do?

As a final expense agent, your job is to sell life insurance products that cover the legal, funeral, and immediate household expenses of the deceased. These packages typically range from $5,000 to $25,000, and your employer wants to see sales of your product go as high as possible. To get these sales, you pursue leads, contact new clients, calculate expected expenses in a given region, and coordinate with the agency's marketers. Final expense agents also spend time researching the market, studying the available plans, and determining which plans are most likely to appeal to a specific client. Most buyers are 55 or older.

What are the key skills and qualifications needed to thrive as a final expense agent, and why are they important?

To thrive as a Final Expense Agent, you need strong sales acumen, knowledge of insurance products, and a valid insurance license. Familiarity with CRM software, quoting tools, and e-signature systems is typically required for managing leads and processing applications. Exceptional interpersonal skills, empathy, and resilience set top agents apart when building trust with clients and handling objections. These skills and qualifications are essential for effectively serving clients, closing sales, and maintaining compliance in the insurance industry.

What are some common challenges final expense agents face when building their client base?

Final Expense Agents often encounter challenges such as establishing trust with clients, navigating sensitive conversations about end-of-life planning, and competing with established agents or alternative products. Building a steady stream of leads requires persistence, networking, and sometimes cold-calling or door-to-door outreach. Overcoming these challenges usually involves ongoing training, leveraging referral networks, and developing strong interpersonal skills to foster lasting client relationships.

What is the difference between Final Expense Agent vs Life Insurance Agent?

AspectFinal Expense AgentLife Insurance Agent
Required CredentialsLicensing varies by state, often includes life insurance licenseLicensing varies by state, often includes life insurance license
Work EnvironmentPrimarily independent, sales-focused, often in-home or virtualSimilar, includes in-home, virtual, or office settings
Industry UsageSpecializes in small, final expense policies for seniorsBroader, includes all types of life insurance policies
Search & Comparison IntentFocused on final expense coverage for seniorsBroader life insurance options for various clients

Final Expense Agents primarily focus on selling small, final expense life insurance policies to seniors, often requiring specific licensing. Life Insurance Agents have a broader scope, selling various types of life insurance. Both roles share similar work environments and licensing requirements, but their target markets and policy types differ.

Is selling final expense insurance a good career?

Final expense agents sell insurance policies designed to cover end-of-life expenses, often working independently or for insurance companies. The role typically involves commission-based income, strong interpersonal skills, and the ability to build client relationships, making it a viable career for those interested in sales and insurance industries.
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Final Expense Agent jobs near you
Infographic showing various Final Expense Agent job openings in the United States as of September 2026, with employment types broken down into 1% As Needed, 82% Full Time, 11% Part Time, 1% Temporary, 4% Contract, and 1% Nights. Highlights an 88% Physical, 3% Hybrid, and 9% Remote job distribution, with an average salary of $81,805 per year, or $39.3 per hour.

Final Expense Agent

Silver Spring, MD • On-site

Brad Gibson and Associates
See more jobs at Brad Gibson and Associatesexternal

$1.0K - $1M/yr (+ commission)

Contractor

This job post has expired 3 days ago. Applications are no longer accepted.

Job description

Final Expense Insurance Field Agent

Job Type: Full-Time / Part-Time
Industry: Insurance & Financial Services
Compensation: Commission-Based | Uncapped Earning Potential
Work Setting: Field-Based / In-Person


About the Opportunity


We are looking for motivated, outgoing, and driven individuals to join our team as Final Expense Field Agents.


As a Final Expense Agent, you will help individuals and families protect their loved ones from the financial burden that can come with end-of-life expenses. You will meet with clients, understand their needs, present appropriate insurance solutions, and help them secure coverage.


This is an excellent opportunity for someone who wants flexibility, unlimited earning potential, and the opportunity to build a long-term career in insurance.


What You'll Do

  • Meet with prospective clients in their homes and/or designated meeting locations
  • Conduct needs-based insurance presentations
  • Educate clients about final expense and life insurance options
  • Complete applications accurately and professionally
  • Follow up with clients and maintain relationships
  • Develop and manage your own sales territory
  • Attend team training and sales meetings
  • Maintain compliance with company and insurance regulations
  • Provide excellent customer service throughout the application process


What We're Looking For

  • Strong communication and interpersonal skills
  • Professional appearance and demeanor
  • Self-motivated and goal-oriented personality
  • Comfortable speaking with people one-on-one
  • Ability to work independently and manage your schedule
  • Reliable transportation
  • Willingness to learn and participate in training
  • Sales experience is helpful but not required
  • Previous insurance experience is a plus
  • Must be willing and able to obtain the required insurance license


What We Offer

  • Uncapped commission-based income
  • Flexible schedule
  • Field training and ongoing coaching
  • Sales and product training
  • Support from an experienced team
  • Opportunity to build a long-term insurance career
  • Advancement opportunities for high performers
  • The ability to control your own schedule and production


Who Thrives in This Role?


This position is a great fit for someone who is:

  • Hungry to succeed
  • Comfortable talking to new people
  • Coachable and willing to learn
  • Competitive and goal-driven
  • Looking for more control over their income
  • Interested in entrepreneurship and building a book of business
  • Ready to work hard and be rewarded for their results


If you're looking for a position where your effort can directly impact your income and you want to make a meaningful difference for families, we'd love to hear from you.

Apply today to learn more about becoming a Final Expense Field Agent.