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Final Expense Agent Jobs in Michigan (NOW HIRING)

MGM Capital

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Life Insurance Agent

Troy, MI · On-site

$1.0K - $250K/yr

Final Expense Insurance * Mortgage Protection * Annuities * Supplemental and Accident Coverage You'll compare available solutions from multiple insurance carriers, make needs-based recommendations ...

New

Ford Motor Company

AI Platform Administrator

Dearborn, MI · On-site

$99K - $166K/yr

Define and manage agent registration, ownership, and lifecycle processes. * Implement governance ... Final determination of salary grade will be based on candidate's skills and experience, and base ...

Ford Motor Company

AI Software Engineer

Dearborn, MI · Hybrid

$115K - $192K/yr

At the same time, you'll act as a coach and change agent, guiding teams toward AI enabled world ... Final determination of salary grade will be based on candidate's skills and experience, and base ...

Ford Motor Company

Financial Analyst

Sterling Heights, MI · On-site

$99K - $166K/yr

A self-starter, change agent, and adaptive learner who thrives in a fast-paced, evolving ... Final determination of salary grade will be based on candidate's skills and experience, and base ...

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Showing results 21-34

All JobsFinal Expense Agent JobsFinal Expense Agent Jobs in Michigan

Final Expense Agent information

See Michigan salary details

$33.1K

$71.3K

$97.6K

How much do final expense agent jobs pay per year?

As of Aug 8, 2026, the average yearly pay for final expense agent in Michigan is $71,301.00, according to ZipRecruiter salary data. Most workers in this role earn between $54,500.00 and $85,900.00 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 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.

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, self-motivation, and knowledge of insurance products, with income potential varying based on sales performance and experience.
More about Final Expense Agent jobs
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What cities in Michigan are hiring for Final Expense Agent jobs? Cities in Michigan with the most Final Expense Agent job openings:
What are popular job titles related to Final Expense Agent jobs in MI? For Final Expense Agent jobs in MI, the most frequently searched job titles are:
Final Expense Agent jobs near you
Infographic showing various Final Expense Agent job openings in Michigan as of July 2026, with employment types broken down into 90% Full Time, 7% Part Time, and 3% Contract. Highlights an 93% Physical, 1% Hybrid, and 6% Remote job distribution, with an average salary of $71,301 per year, or $34.3 per hour.

Life Insurance Agent

MGM Capital

Troy, MI • On-site

$1.0K - $250K/yr

Full-time

This job post has expired today. Applications are no longer accepted.

Job description

Life Insurance Sales Representative — Remote/ In Office

Independent Contractor (1099) | Commission-Based
Full-Time or Part-Time | Flexible Schedule
Earning Potential: $80,000–$120,000+ for Full-Time, Actively Producing Agents*

About Pinnacle Financial Partners

Pinnacle Financial Partners is an independent insurance brokerage focused on helping individuals and families protect their financial future through personalized insurance and financial protection solutions.

Rather than offering a one-size-fits-all product, our agents have access to multiple insurance carriers and a broad portfolio of solutions, allowing them to help clients find coverage that fits their individual needs, goals, and budget.

We welcome both experienced insurance professionals and individuals who are completely new to the industry. For those interested in building more than a sales career, we also offer a defined path from independent agent into leadership and management.

What You'll Do

As a Life Insurance Sales Representative, you will meet with prospective clients primarily by phone or virtually to identify their financial protection needs and educate them on appropriate coverage options.

Depending on licensing, carrier appointments, product requirements, and client needs, available solutions may include:

  • Term Life Insurance
  • Whole Life Insurance
  • Indexed Universal Life (IUL)
  • Final Expense Insurance
  • Mortgage Protection
  • Annuities
  • Supplemental and Accident Coverage

You'll compare available solutions from multiple insurance carriers, make needs-based recommendations, assist clients through the application process, follow up with prospective and existing clients, and maintain accurate client records.

All recommendations are expected to be made ethically and based on the client's individual needs and financial circumstances.

No Insurance Experience? That's Okay.

Previous insurance or sales experience is welcome, but it is not required.

Candidates who are not currently licensed may begin the licensing process after joining our organization. Individuals must obtain all required state licensing and carrier appointments before conducting activities that require an insurance license.

For agents who would benefit from additional preparation, we offer an optional two-day training program at no cost. Experienced agents are not required to complete this training unless otherwise necessary.

Additional product or carrier training may be required before offering certain products, including IULs and annuities.

Leads & Sales Support

Agents may Purchase leads or use No Cost provided leads 

Agents may choose to purchase certain leads at their own expense.

Career & Leadership Development

This opportunity is designed for individuals who want the ability to grow based on performance rather than tenure.

Agents interested in leadership can pursue advancement into management. Leadership candidates must demonstrate the ability to recruit and develop others, including bringing on at least one recruit, demonstrate an ability to train, and show a strong understanding of ethical sales practices.

Agents may work remotely without an office-attendance requirement. Individuals who advance into leadership should expect an in-office component as part of their management responsibilities.

There are no minimum production requirements for the agent position.

What We're Looking For

We're looking for individuals who are self-motivated, professional, coachable, and comfortable working independently.

Strong communication and interpersonal skills are important, along with a willingness to learn and an entrepreneurial mindset.

Sales or insurance experience is preferred but not required.

Requirements

  • Must possess or be willing to obtain the appropriate state insurance license
  • Must complete any applicable carrier and product-specific requirements before offering those products
  • Internet connection for virtual appointments
  • Must be authorized to work in the United States
  • Must operate in accordance with applicable insurance laws, carrier requirements, and brokerage standards

Compensation

This is a 1099 independent-contractor, commission-only opportunity. There is no salary or guaranteed hourly wage.

Commissions are generally advanced based on carrier and product terms. Agents are responsible for applicable carrier chargebacks when policies cancel, lapse, or otherwise become subject to a commission chargeback.

Additional performance-based bonuses, contests, trips, and other incentives may be available based on qualification and production.

Full-time, actively producing agents may have the potential to earn approximately $80,000–$120,000+ annually, while exceptional top producers may earn substantially more, with some top-performing producers/Leaders reaching $500,000+.

These figures represent earning potential and are not guaranteed. Actual earnings vary significantly based on individual sales activity, production, experience, licensing, client placement, persistency, carrier compensation schedules, and other factors.

Opportunity Highlights

  • 1099 independent-contractor opportunity
  • Commission-based compensation with uncapped earning potential
  • Full-time and part-time opportunities
  • Flexible schedule
  • Remote agent position
  • No required office attendance for agents
  • No minimum production requirement
  • Multiple insurance carrier options
  • Broad life insurance and financial protection product portfolio
  • No cost and paid lead opportunities
  • Optional two-day training at no cost
  • Performance-based bonuses and incentives
  • Trips and sales contests
  • Agent-to-management advancement opportunity
  • Leadership and management development

Please note: This is an independent-contractor opportunity, not a salaried or hourly employee position. Candidates are responsible for obtaining and maintaining applicable licensing and meeting all regulatory and carrier requirements before conducting licensed insurance activities.