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Final Expense Insurance Sales information

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$28K

$45.7K

$64.5K

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

As of Jun 20, 2026, the average yearly pay for final expense insurance sales in the United States is $45,661.00, according to ZipRecruiter salary data. Most workers in this role earn between $38,000.00 and $51,500.00 per year, depending on experience, location, and employer.

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

To thrive as a Final Expense Insurance Sales Agent, you need strong sales acumen, a knowledge of insurance products, and typically a valid state insurance license. Familiarity with customer relationship management (CRM) software, e-signature tools, and quoting systems is commonly required. Excellent interpersonal skills, active listening, and resilience help agents build trust with clients and handle rejection effectively. These skills are crucial for driving sales, ensuring regulatory compliance, and providing compassionate service to clients planning for end-of-life expenses.

What is final expense insurance sales?

Final expense insurance sales involve selling life insurance policies specifically designed to cover end-of-life expenses, such as funeral and burial costs. Agents help clients choose policies that provide a modest death benefit, making it easier for families to manage these expenses. This type of insurance is typically marketed to seniors or individuals seeking affordable coverage with simplified underwriting requirements.

Is selling final expense insurance a good career?

Final expense insurance sales is a sales-focused role that involves helping clients plan for end-of-life expenses, often requiring strong interpersonal skills and knowledge of insurance products. It can offer flexible schedules and commission-based income, but success depends on sales ability, networking, and industry experience.

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

AspectFinal Expense Insurance SalesLife Insurance Agent
Required CredentialsLicensing, insurance knowledgeLicensing, broader insurance knowledge
Work EnvironmentIndependent, client meetings, sales callsAgency offices, client meetings, sales calls
Industry UsageFocus on final expense policiesBroader life insurance products

Final Expense Insurance Sales professionals specialize in selling policies that cover funeral and burial costs, often requiring specific licensing and sales skills. Life Insurance Agents have a broader scope, selling various life insurance products. While both roles require similar credentials and work environments, Final Expense Sales focus on a niche market within the life insurance industry.

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 avoid whole or permanent policies for final expenses and instead focus on term coverage or savings to cover end-of-life costs.

What type of insurance sales make the most money?

In final expense insurance sales, agents typically earn higher commissions by closing larger policies or high-net-worth clients. Successful agents often focus on building relationships and developing sales skills to increase premium sizes, which directly impacts earnings. Sales environments that reward high-value policies tend to be more profitable for experienced agents.

How much can I make selling final expense insurance?

Final expense insurance sales agents typically earn between $50,000 and $100,000 annually, with top performers making over $150,000. Income depends on factors such as sales skills, commission structure, and the number of policies sold, often involving commission-based pay and bonuses.

What are some common challenges faced in Final Expense Insurance Sales, and how can new agents overcome them?

One of the main challenges in Final Expense Insurance Sales is building trust with clients, as this insurance often involves sensitive conversations about end-of-life planning. New agents may also encounter frequent rejections or hesitation from prospects who are wary of discussing financial matters. To overcome these challenges, it's important to develop strong communication and empathy skills, invest time in thorough product knowledge, and consistently follow up with leads. Many agencies offer mentorship and training programs to help new agents refine their techniques and grow their confidence in the field.
More about Final Expense Insurance Sales jobs
What cities are hiring for Final Expense Insurance Sales jobs? Cities with the most Final Expense Insurance Sales job openings:
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Final Expense Insurance Sales jobs near you
Infographic showing various Final Expense Insurance Sales job openings in the United States as of June 2026, with employment types broken down into 79% Full Time, and 21% Part Time. Highlights an 94% Physical, 2% Hybrid, and 4% Remote job distribution, with an average salary of $45,661 per year, or $22 per hour.

Final Expense Insurance Sales

NORTH AMERICAN SENIOR BENEFITS

Houston, TX • On-site

$97K - $127K/yr

Other

Medical, Dental, Vision, Life, Retirement

Posted 28 days ago

Job description

We are an honest Final Expense Group, and we are looking to hire a couple of Final Expense Producers in your region. You will represent some of the top Carriers in our industry, carriers like Americo, Mutual of Omaha, Transamerica, Columbian Financial, Occidental, Liberty, Great Western, and more.

Requirements:

State Life Insurance license

Full-time/Part-Time Commitment

Consistent Schedule

Consistent Lead Flow

Most salespeople spend 80% of their time prospecting (finding sales). 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 read the Funeral expense insurance for just pennies a day", they realize they have an interest in our service and HANDWRITE their personal info and mail it back to us. The lead actually says "LIFE INSURANCE" and/or "Funeral Expense" on it.

2. Digital Leads: A lead that has been attained online. The client has expressed interest in burial life insurance. Multiple points of personal information are included.

3. Data Leads: Data Leads are names and addresses of people aged 65-75 in a targeted zip code, that haven't responded to our mail drops.

The Final Expense Industry: Working with ages 50-85 in their homes.

-10,000 People turn 65 Every Day for the next 20 years

-100,000,000 Will be in our client age group by 2020

Please inquire to set up an interview!!! Email your contact info with a time you would like us to call you. Thank you for your consideration.