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Final Expense Agent Jobs in Michigan (NOW HIRING)

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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 Sep 6, 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 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 Michigan as of August 2026, with employment types broken down into 79% Full Time, 13% Part Time, 1% Temporary, 5% Contract, and 2% Nights. Highlights an 89% Physical, 3% Hybrid, and 8% Remote job distribution, with an average salary of $71,301 per year, or $34.3 per hour.

Senior Manager, AI Workflow Redesign

Ford Motor Company

Dearborn, MI • On-site

$141K - $268K/yr

Full-time

Medical, Dental, Vision, Life, PTO

Posted 9 days ago

Ford Motor Company rating

7.6

Company rating: 7.6 out of 10

Based on 527 frontline employees who took The Breakroom Quiz

11th of 45 rated automakers

Job description

We are the movers of the world and makers of the future. We get up every day, roll up our sleeves, and build a better world - together. At Ford, we're all a part of something bigger than ourselves. Are you ready to change the way the world moves?

Ford's Central AI Team is the enterprise hub responsible for scaling AI and agentic solutions across the company - from the businesses that design and build vehicles to the teams that sell and service them. Central to this effort is making sure AI changes how work gets done by fundamentally redesigning workflows and how jobs get done.

In this position...

Ford is building a new capability at the center of our enterprise AI strategy.  Reporting into the Central AI Team's Director of AI Strategy, Enablement, & Workflow, the Senior Manager, AI Workflow Redesign is responsible for defining how AI and agentic solutions change the mechanics of work at Ford - who does what, in what sequence, with what handoffs - across Enterprise Bets and the functions that run them. This role sits between the technical build of an AI capability and the operational reality of a team's day-to-day work, translating what an agent or model can do into an improved workflow.

The ideal candidate has done this before: taken a new capability, sat with the team that use it, found where the friction is, and redesigned the process around it. This is not a role focused on building the AI itself - it's focused on making sure AI-enabled work sticks, at scale, across a matrixed organization. Where skill teams or business units already have dedicated workflow redesign talent, this role's job is to make them better through standards, tools, and coaching.

Based in Dearborn, MI, this is a hybrid position with a required four-day onsite presence each week. Relocation assistance may be available for qualified candidates. 

You'll have...

  • Bachelor's degree or equivalent combination of relevant education and experience

  • 5+ years of experience redesigning workflows, processes, or operating models at team or enterprise scale

  • 3+ years of experience baselining or process-mapping current-state work as a foundation for redesign

  • 2+ years of experience building playbooks or standards

  • 2+ years of experience managing external agency, consulting or vendor resources against scope, timeline, and quality deliverables.

  • 1+ years of experience leading the operationalization and adoption of digital, automation, or AI/ML solutions into day-to-day business workflows acting as the bridge between delivery teams and operational end-users.

Even better, you may have...

  • Master's degree

  • Strong communication and coaching skills

  • Experience in automotive, manufacturing, or other large-scale enterprise organizations with complex, matrixed operating structures

  • Background in process design, organizational design, or change management

  • Experience partnering with HR or L&D on role redesign and training rollout tied to new technology

You may not check every box, or your experience may look a little different from what we've outlined, but if you think you can bring value to Ford Motor Company, we encourae you to apply!
As an established global company, we offer the benefit of choice. You can choose what your Ford future will look like: will your story span the globe, or keep you close to home? Will your career be a deep dive into what you love, or a series of new teams and new skills? Will you be a leader, a changemaker, a technical expert, a culture builder...or all of the above? No matter what you choose, we offer a work life that works for you, including:

  • Immediate medical, dental, vision and prescription drug coverage
  • Flexible family care days, paid parental leave, new parent ramp-up programs, subsidized back-up childcare and more
  • Family building benefits including adoption and surrogacy expense reimbursement, fertility treatments, and more
  • Vehicle discount program for employees and family members and management leases
  • Tuition assistance
  • Established and active employee resource groups
  • Paid time off for individual and team community service
  • A generous schedule of paid holidays, including the week between Christmas and New Year's Day
  • Paid time off and the option to purchase additional vacation time.
     

This position is leadership level 5 and ranges from $141,700- 268,300. 

Final determination of salary grade will be based on candidate's skills and experience, and base salary will be set within the applicable range according to job scope, responsibility and competitive market value.
For more information on salary and benefits, click here:

https://fordcareers.co/LL5

Visa sponsorship is not available for this position.

Candidates for positions with Ford Motor Company must be legally authorized to work in the United States. Verification of employment eligibility will be required at the time of hire.

We are an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, age, sex, national origin, sexual orientation, gender identity, disability status or protected veteran status. In the United States, if you need a reasonable accommodation for the online application process due to a disability, please call 1-888-336-0660.

#LI-Hybrid

#LI-LA1 

What you'll do...

  • Partner with teams across Ford's businesses to define the workflow and role-redesign playbook for AI and agentic solutions, translating new capability into practical changes in how work gets done day to day
  • Lead workflow redesign efforts ensuring AI-enabled operating models improve outcomes across the enterprise
  • Baseline current-state workflows before redesigning. Map how work happens today, including time, handoffs, and volume and identify friction points blocking AI adoption or scale 
  • Build reusable redesign playbooks and templates that can be applied across AI opportunities, providing standards, tools, and hands-on coaching to skill teams and business units that already run their own workflow redesign work
  • Own workflow adoption metrics feeding into the Central AI scorecard
  • Manage workflow redesign agency and third-party resources supporting the portfolio, setting scope, pace, and quality bar for their output

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