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Final Expense Agent Jobs in Florida (NOW HIRING)

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Final Expense Agent information

See Florida salary details

$28.4K

$61.1K

$83.7K

How much do final expense agent jobs pay per year?

As of Jul 29, 2026, the average yearly pay for final expense agent in Florida is $61,132.00, according to ZipRecruiter salary data. Most workers in this role earn between $46,700.00 and $73,600.00 per year, depending on experience, location, and employer.

How to become a final expense agent?

To become a final expense agent, you typically need to obtain a state insurance license by completing pre-licensing education and passing a licensing exam. Additionally, agents often undergo training on insurance products and sales techniques, and must meet any state-specific requirements before starting to sell final expense policies.

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.

How much do final expense insurance agents make?

Final expense insurance agents typically earn between $40,000 and $80,000 annually, with top performers making over $100,000. Income depends on sales skills, experience, and commission structures, often involving direct client interactions and policy sales.

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 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 jobs pay 4000 a week without a degree?

Final Expense Agents can potentially earn $4,000 or more per week through commissions on insurance policies, especially with high sales volume and experience. Success in this role depends on strong sales skills, self-motivation, and building a client base, often working independently or remotely. No formal degree is required, but licensing and insurance certifications are typically necessary.

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 and earning commissions based on sales. The role requires strong interpersonal skills, knowledge of insurance products, and the ability to build client relationships, with income potential varying based on sales performance and experience.
More about Final Expense Agent jobs
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What are popular job titles related to Final Expense Agent jobs in FL? For Final Expense Agent jobs in FL, the most frequently searched job titles are:
Final Expense Agent jobs near you
Infographic showing various Final Expense Agent job openings in Florida as of July 2026, with employment types broken down into 92% Full Time, 6% Part Time, and 2% Contract. Highlights an 93% Physical, 1% Hybrid, and 6% Remote job distribution, with an average salary of $61,132 per year, or $29.4 per hour.

Medicare & Final Expense Agent

Avid Health - Powered by Gyde

West Palm Beach, FL

$55K - $80K/yr

Full-time

Medical, Life

Re-posted 19 days ago

Job description

Medicare & Final Expense Agent at Avid Health, Powered by Gyde

Total annual earnings: $55,000–$80,000

Job Type: Permanent, Full-Time, In-Person

Benefits: Health insurance benefits offered
License: Health and/or life insurance license preferred — not licensed? NO PROBLEM! We will pay for you to get licensed!

About Avid

Avid is a high-growth Medicare and life insurance agency now Powered by Gyde, an AI-native platform transforming how brokers serve clients. Through Gyde's technology, our agents are equipped with intelligent voice, chat, and decision-support tools that eliminate manual work and elevate client outcomes.

Together, we're building the future of brokerage — where every client interaction is smarter, faster, and more personalized. Joining our team means stepping into a modern, tech-enabled environment with clear career growth, world-class training, and the opportunity to make a real impact in people's healthcare and financial decisions.

You'll work alongside some of the top producers in the country and build a long-lasting, financially rewarding career of your own.

The Role

As a Medicare & Final Expense Agent at Avid, you'll be connected with seniors and other Americans who are looking to gain or review their Medicare coverage and explore life insurance, final expense, and ancillary options to protect their loved ones. We work with all the nation's leading carriers across Medicare (Advantage, Supplement, Part D), life / final expense, and ancillary products — so you'll always be able to offer clients every option and ensure they end up with the best one for them.

This is not a traditional call center role. You'll leverage cutting-edge AI tools to:

  • Understand client needs faster
  • Deliver highly personalized plan recommendations
  • Build long-term relationships — not just close one-time sales

You are both a trusted advisor and a case manager, owning the full client journey from first conversation through enrollment and beyond.

What You'll Do
  • Make outbound calls to interested leads and preset appointments; handle inbound calls primarily from existing clients in your book of business
  • Educate and advise individuals on the Medicare and life / final expense products available to them based on their demographics and needs
  • Enroll prospects into plans and policies, and process all carrier-required paperwork promptly
  • Communicate with prospects via text message and our automated GydeOS platform
  • Run a full needs assessment for every client — health, household, beneficiaries, budget — and present Medicare and final expense options that match
  • Cross-sell where it genuinely serves the client (e.g., pairing a Medicare plan with an appropriately sized final expense policy)
  • Manage your book year-round — be the trusted resource your clients call first
  • Hit and sustain production targets
  • Maintain required licensing and certifications; complete continuing education on time
  • Document every interaction as the call happens — finish your notes before the next call
  • Show up energetic, enthusiastic, and excited every single day
What We're Looking For
  • Hungry, humble, coachable — comfortable on the phone, with the "gift of gab" used in service of listening
  • No prior insurance experience required; we train from zero
  • Willing and eligible to obtain a health and/or life insurance license — Avid covers all costs
  • Strong written and verbal communication; able to explain plan differences without jargon
  • Comfortable with technology — specifically the kind of person who is curious about AI tools rather than wary of them
  • Track record of consistency: reliable schedule, reliable behavior, reliable follow-through
  • Positive attitude and team-first mindset
  • Must pass a background check
  • Health and/or life insurance license preferred (we'll get you licensed if you don't have one)
  • If you are currently appointed with any carriers, you must be able to obtain a release prior to your start date — we'll guide you through the process
Compensation
  • Base hourly pay: $20 per hour, paid bi-weekly
  • Commission: Monthly commission bonuses with strong earning potential
  • Renewals: Renewal commissions starting in Year 2 on your existing book of business — across both Medicare and life / final expense lines
  • Total annual earnings: $55,000–$80,000
  • Licensing: Avid pays for you to get licensed (health and life) — including study materials and exam fees
Career Path

We are firm believers in promoting from within. Avid offers structured leadership development and a clear path from new hire to top producer to team leader — with quarterly review and tier advancement based on production and consistency.

Why Join Avid

A modern, tech-enabled call center where you work alongside some of the top producers in the country. AI-powered case management that makes you more successful from day one. Two complementary product lines — Medicare and life / final expense — that let you serve a client's full picture instead of just one piece of it. Paid licensing, paid training, and a structured ramp to full production. Clear earning benchmarks and full commission transparency. A real career — not just a job.

Avid is Powered by Gyde — a fast-growing, AI-native platform transforming healthcare access for millions of Americans.

Work Location: In-person, West Palm Beach Office

Requirements: Must pass background check.