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Final Expense Agent Jobs (NOW HIRING)

Kris Cycak Agency

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Final Expense Life Insurance Agent

Pittsburgh, PA · On-site

$80K - $150K/yr

We are Seeking Final Expense Life Insurance Agents in a market that is EXPLODING right now!! It ... agent earnings Why timing matters right now: • Fresh leads delivered daily • Protected ...

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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 Jun 15, 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 are final expense agents?

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.

Is Final Expense Direct a good company to work for?

Final Expense agents typically work in a commission-based sales environment, often requiring strong communication and sales skills. The company's reputation and work environment can vary, so researching employee reviews and understanding the compensation structure is recommended before applying.

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.

How much can I make selling final expenses?

Final Expense Agents typically earn commissions ranging from 40% to 80% of the policy premium, with annual incomes often between $50,000 and $100,000 or more depending on sales volume and experience. Success depends on sales skills, client base, and the number of policies sold, with some agents earning six-figure incomes through high performance and ongoing client relationships.

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 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 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.

What jobs pay 2000 a day?

Final Expense Agents can potentially earn $2,000 or more per day through commissions on selling final expense life insurance policies, especially with high-value policies or in high-volume environments. Success depends on sales skills, experience, and the ability to build a client base, often working independently or remotely with flexible schedules.

What job makes $10,000 a month without a degree?

A Final Expense Agent can potentially earn $10,000 or more per month through commissions by selling final expense insurance policies. Success depends on sales skills, experience, and the ability to build a client base, often without requiring a college degree. High-performing agents typically work independently and may need licensing and training in insurance sales.
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Final Expense Agent jobs near you
Infographic showing various Final Expense Agent job openings in the United States as of June 2026, with employment types broken down into 88% Full Time, 9% Part Time, 1% Temporary, and 2% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $81,805 per year, or $39.3 per hour.

Licensed Final Expense Agent

Golden Memorial - A M Barragan Insurance Services, Inc.

Sacramento, CA • On-site

Full-time

Medical, Dental, Vision, Retirement

Posted 23 days ago

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Job description

Here are a few reasons why you should join the GM Nation funeral insurance agency family:

  • Exotic Incentive Trips

  • Life, Health and Dental for you and your Family

  • Same Day Advances

  • Proven Lead System

  • Liberal Underwriting

  • Simplified Applications

  • Extraordinary Home Office Support

  • 24 Hour Underwriting

  • Live Helpline

  • Fast Claim Service

    How much does a final expense agent make?

    When it comes to how much you can make, you’re in charge! We have agents that make over six figures their first year selling final expense. The opportunity is limitless for those who want it.

    Company Description

    Our agents come from all walks of life - some have decades of experience and some have none! Whatever your background, we're excited you're here. We want to partner with you to represent and distribute our revolutionary final expense insurance products to the expanding senior market. The time has never been better to start selling final expense insurance. The market has seen unprecedented growth and doesn’t show any signs of stopping.
    The simplicity of the product makes it easy for anyone to sell. Because the policies are smaller in value (usually no more than $10,000 - $15,000), the underwriting process takes days – not weeks. With us, you’ll use a 1-page application and there are no medical exams for your clients to qualify. We issue coverage based on the applicant’s answers to health questions.
    As a Final Expense agent, you’ll be responsible for setting your own schedule and working as often as you’d like.
    Best of all, from the very beginning you’ll receive hands-on training from a local field agency to help you understand the market, the product, and how to make your sales presentation. The process couldn’t be easier.
    Join the GM Nation Funeral Insurance Agency Family –
    Start Your Insurance Agent Career by Applying Today!