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Final Expense Insurance Agent Jobs (NOW HIRING)

Skirvin and Associates Inc

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Final Expense/Insurance Sales Agent

Lexington, KY · On-site

$70K - $120K/yr

... Final Expense Sales Agent, you will meet with prospects in your assigned territory and help them understand life insurance options designed to cover final expenses. Responsibilities include:

NORTH AMERICAN SENIOR BENEFITS

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Final Expense Agents Needed

Lafayette, LA · On-site

We are an honest Final Expense Group, and we are looking to hire a couple of Final Expense ... State Life Insurance license Full-time/Part-Time Commitment Consistent Schedule Consistent Lead ...

Skirvin and Associates Inc

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Final Expense/Insurance Sales Agent

Evansville, IN · On-site

$70K - $120K/yr

... Final Expense Sales Agent, you will meet with prospects in your assigned territory and help them understand life insurance options designed to cover final expenses. Responsibilities include:

NORTH AMERICAN SENIOR BENEFITS

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Final Expense Insurance Sales

Houston, TX · On-site

$97.90K - $127K/yr

We work with prospects that are looking for final expense insurance. Lead Types: 1. Exclusive Direct Mail Card: A lead is a direct mail card that we have mailed to the customer for you. Once they ...

NORTH AMERICAN SENIOR BENEFITS

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Telesales-Final Expense Agents Needed

Houston, TX · On-site

We are an honest Final Expense Group, and we are looking to hire a couple of Final Expense ... State Life Insurance license Full-time/Part-Time Commitment Consistent Schedule Consistent Lead ...

NORTH AMERICAN SENIOR BENEFITS

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FINAL EXPENSE AGENTS NEEDED - FREE LEADS

Dallas, TX · On-site

We are an honest Final Expense Group, and we are looking to hire a couple of Final Expense ... State Life Insurance license Full-time/Part Time Commitment Consistent Schedule Consistent Lead ...

NORTH AMERICAN SENIOR BENEFITS

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FINAL EXPENSE AGENTS NEEDED-FREE LEADS

Atlanta, GA · On-site

We are an honest Final Expense Group, and we are looking to hire a couple of Final Expense ... State Life Insurance license Full-time/Part-Time Commitment Consistent Schedule Consistent Lead ...

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Final Expense Insurance Agent information

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$81.8K

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

As of May 30, 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 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.

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 does Dave Ramsey say about final expense insurance?

Dave Ramsey generally recommends term life insurance over final expense insurance, emphasizing affordability and simplicity. He advises consumers to focus on adequate coverage through term policies rather than specialized final expense plans, and he encourages working with reputable agents to find the best fit for their financial situation.

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.

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 May 2026, with employment types broken down into 50% Full Time, and 50% Contract. Highlights an 50% In-person, and 50% Remote job distribution, with an average salary of $81,805 per year, or $39.3 per hour.

Final Expense/Insurance Sales Agent

Skirvin and Associates Inc

Lexington, KY • On-site

$70K - $120K/yr

Full-time

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

Job description

Skirvin & Associates is expanding its sales team in Kentucky and Indiana. We contract with Old American Insurance Company; a company focused on serving the senior market with final expense life insurance solutions.

This is an opportunity for licensed or unlicensed sales-minded individuals who want a clear system, assigned territory, hands-on training, and access to a steady lead flow. Instead of spending most of your time cold prospecting, agents are supplied with qualified leads in their assigned area.

Every day, thousands of Americans reach retirement age, creating continued demand in the senior market. Final expense insurance helps families prepare for funerals, burials, and other end-of-life costs, giving agents a meaningful product to offer while building a long-term sales career.

What We Offer

Skirvin & Associates provides the structure, and support agents need to build a strong book of business:

Assigned sales territory in Kentucky or Indiana
Sales leads provided in your assigned area
Training for both licensed and unlicensed agents
Support through the licensing process if needed
Access to Old American’s proven final expense sales system
Lead financing options for qualified agents
Opportunity to work with direct mail, digital, and data leads
Field and product training
Renewal income opportunity
Performance-based earning potential
A senior market niche with consistent demand

What You Will Do

As a Final Expense Sales Agent, you will meet with prospects in your assigned territory and help them understand life insurance options designed to cover final expenses.

Responsibilities include:

Contacting assigned leads
Explaining final expense life insurance options clearly and ethically
Completing applications accurately
Maintaining consistent communication with your manager
Building long-term relationships in your assigned market
Working toward weekly and monthly production goals

Who We Are Looking For

This role is best suited for individuals who are self-driven, coachable, and comfortable speaking with people.

Ideal candidates may have experience in:

Insurance sales
Final expense sales
Medicare or senior market sales
Home services sales
Automotive sales
Real estate
Security, solar, pest control, or similar direct sales roles
Customer service or relationship-based sales

Prior insurance experience is helpful but not required. Training is available for the right candidate.

Minimum Requirements

Must be at least 18 years old
Must be able to pass a background check
Must hold or be willing to obtain a life insurance license
Must be authorized to work in the United States
Must be willing to work in an assigned Kentucky or Indiana territory
Must be coachable and willing to follow a proven sales system
Reliable transportation is preferred for field appointments

Compensation

This is a performance-based sales opportunity. Agents are compensated through commissions, with renewal income and bonus opportunities available based on production and qualification. Consistent agents following the system may target strong annual earnings, with many sales roles in this market designed for income potential. Earnings depend on licensing, effort, sales activity, territory, and production.

Why Skirvin & Associates

Skirvin & Associates give agents a practical path into the senior insurance market. We provide training, territory structure, and lead support so agents can focus on selling and serving clients instead of spending most of their time searching for prospects.

Old American Insurance Company has served the senior market since 1939 and specializes in final expense insurance. Skirvin & Associates supports agents with the tools, training, and lead access needed to compete in this market.

Apply Today

Skirvin & Associates is currently interviewing candidates for available Kentucky and Indiana territories. Licensed and unlicensed candidates are encouraged to apply.

Apply now to discuss available territories, licensing steps, training, and lead support.

Company Description

Skirvin and Associates is a contractor for Old American Insurance Company, focused on recruiting, training, and supporting sales agents who serve families in the Senior Market. Our agents help clients with final expense and related life insurance needs while working in assigned territories with access to lead programs, field support, and a proven agency system.
We provide opportunities for both licensed and unlicensed candidates who are serious about building a career in insurance sales. Agents receive guidance on licensing, product knowledge, appointment setting, and client service. Instead of spending most of their time cold prospecting, agents can focus on meeting with families, presenting solutions, and growing their business.
Skirvin and Associates offers independent work, flexible scheduling, protected territory opportunities, and income potential based on personal effort, activity, and sales performance. Candidates must be at least 18 years old, able to pass a background check, and willing to obtain or maintain the required state insurance license.