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Final Expense Agent Jobs in Tennessee (NOW HIRING)

Symmetry

Remote Work Sales Agent

Nashville, TN · Remote

$180K/yr

Remote Work Sales Agent Must be authorized to work in the US, no work visas offered at this time ... final expense insurance. With access to over 20 A and A- rated insurance carriers, our ...

The McCrimmon Agency

Life Insurance Sales Agent

Nashville, TN · On-site +1

$50K - $175K/yr

... final expense , income protection , and advanced financial solutions. As a broker, we work with 30 ... Licensing costs are the responsibility of the Sales Agent, but we provide support and guidance ...

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All JobsFinal Expense Agent JobsFinal Expense Agent Jobs in Tennessee

Final Expense Agent information

See Tennessee salary details

$34.5K

$74.2K

$101.7K

How much do final expense agent jobs pay per year?

As of Aug 9, 2026, the average yearly pay for final expense agent in Tennessee is $74,248.00, according to ZipRecruiter salary data. Most workers in this role earn between $56,700.00 and $89,400.00 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 Tennessee are hiring for Final Expense Agent jobs? Cities in Tennessee with the most Final Expense Agent job openings:
What are popular job titles related to Final Expense Agent jobs in TN? For Final Expense Agent jobs in TN, the most frequently searched job titles are:
Final Expense Agent jobs near you
Infographic showing various Final Expense Agent job openings in Tennessee as of August 2026, with employment types broken down into 90% Full Time, 8% Part Time, and 2% Contract. Highlights an 91% Physical, 2% Hybrid, and 7% Remote job distribution, with an average salary of $74,248 per year, or $35.7 per hour.

Virtual Phone Sales Representative

InsuraTec Services Group

Minneapolis, MN • Remote

Full-time

Life

Posted 26 days ago

Job description

Virtual Phone Sales Representative

Location: Remote U.S. Based Only
Job Type: Full-Time | Flexible Schedule

Ready to close more deals from home with a proven sales system?

Were hiring motivated Virtual Phone Sales Representatives who want to plug into a high-converting, fully scripted sales processwith zero cold calling and 100% remote flexibility.

At InsuraTec, we equip you with warm inbound leads, step-by-step scripts, and a system that converts 1 out of every 3 sat appointments into a sale. No guesswork. No chasing leads. Just consistent sales and unlimited earning potential.

What Youll Do:

  • Conduct scheduled phone appointments with inbound life insurance leads

  • Follow our 100% scripted presentation from intro to close

  • Educate clients on financial protection products (life, mortgage protection, final expense, etc.)

  • Submit applications electronically and maintain client records in CRM

  • Attend weekly training calls and team development sessions

Why Join InsuraTec?

  • Proven System: Scripted process with a 33% conversion rate

  • No Cold Calls: Inbound, pre-qualified leads

  • Remote Freedom: Work from anywhere with Wi-Fi

  • High Commissions: Uncapped earning potential + monthly bonuses

  • Support & Mentorship: Ongoing coaching and team culture

  • Top Carriers: Access to A-rated insurance providers

What You Need:

  • Active life insurance license (required)

  • Phone sales or telesales experience preferred

  • Confidence using scripts and handling objections

  • Coachable mindset and strong follow-up habits

  • Comfortable working independently in a remote setting

Compensation:

  • Commission-only role with top earners making $75,000$120,000+ annually

  • Monthly bonus programs and incentive trips

  • Promotions based on performance, not seniority

Keywords: Virtual Sales, Remote Phone Sales, Licensed Insurance Agent, Remote Closer, Inbound Sales, Work From Home Jobs, Telesales Agent, Final Expense, Life Insurance Sales, High-Ticket Closing, Commission Sales, Insurance Telesales, Appointment Closer

Apply Now
If you're ready to close more deals with less stressand finally earn what youre worthapply today to become a Virtual Phone Sales Representative at InsuraTec.

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