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Final Expense Insurance Agent information

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$38K

$81.8K

$112K

How much do final expense insurance agent jobs pay per year?

As of Jul 19, 2026, the average yearly pay for final expense insurance 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 is a Final Expense Insurance Agent?

A Final Expense Insurance Agent is a licensed professional who helps clients secure life insurance policies specifically designed to cover end-of-life expenses, such as funeral costs, medical bills, and outstanding debts. These agents assess the needs of their clients and recommend insurance products that provide financial peace of mind for families during a difficult time. They typically work with individuals, especially seniors, to ensure that their loved ones are not burdened by unexpected costs after their passing. Agents also assist clients in understanding policy terms and completing the application process.

What is the difference between Final Expense Insurance Agent vs Life Insurance Agent?

AspectFinal Expense Insurance AgentLife Insurance Agent
Required CredentialsLicensing, insurance licenseLicensing, insurance license
Work EnvironmentField sales, client meetingsField sales, client meetings
Industry UsageFocus on final expense policiesBroader life insurance products

Final Expense Insurance Agents specialize in selling policies designed to cover funeral and burial costs, often targeting seniors. Life Insurance Agents have a broader scope, offering various life insurance products for different financial needs. While both roles require licensing and involve client meetings, Final Expense Agents focus on a niche market, making their work more targeted within the life insurance industry.

What are the key skills and qualifications needed to thrive as a Final Expense Insurance Agent, and why are they important?

To thrive as a Final Expense Insurance Agent, you need a solid understanding of life insurance products, strong sales acumen, and the appropriate state insurance license. Familiarity with customer relationship management (CRM) software, quoting tools, and e-signature platforms is typically required. Exceptional interpersonal skills, empathy, and persistence help agents build trust with clients and navigate sensitive conversations. These skills and tools are essential for effectively serving clients' needs, closing sales, and maintaining compliance in a competitive field.

What are some typical challenges Final Expense Insurance Agents face when building their client base?

Final Expense Insurance Agents often encounter challenges such as building trust with clients who may be wary of insurance products or have limited budgets. Prospecting for leads can be time-consuming, and agents must be persistent in following up while remaining sensitive to clients' emotional and financial concerns. Additionally, navigating regulatory requirements and staying updated on product offerings are essential for success. Strong communication skills and a genuine desire to help clients plan for end-of-life expenses are key to overcoming these obstacles.
More about Final Expense Insurance Agent jobs
What cities are hiring for Final Expense Insurance Agent jobs? Cities with the most Final Expense Insurance Agent job openings:
What states have the most Final Expense Insurance Agent jobs? States with the most job openings for Final Expense Insurance Agent jobs include:
What job categories do people searching Final Expense Insurance Agent jobs look for? The top searched job categories for Final Expense Insurance Agent jobs are:
Final Expense Insurance Agent jobs near you
Infographic showing various Final Expense Insurance Agent job openings in the United States as of July 2026, with employment types broken down into 94% Full Time, 4% Part Time, and 2% Contract. Highlights an 91% Physical, 1% Hybrid, and 8% 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

Re-posted 26 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!