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Final Expense Insurance Sales Jobs in California

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Final Expense Insurance Sales information

See California salary details

$27.6K

$45.1K

$63.7K

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

As of Aug 12, 2026, the average yearly pay for final expense insurance sales in California is $45,063.00, according to ZipRecruiter salary data. Most workers in this role earn between $37,500.00 and $50,800.00 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?

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.

How to become a final expense insurance sales agent?

To become a final expense insurance sales agent, you typically need to obtain a state insurance license by completing pre-licensing education and passing a licensing exam. Sales agents should develop strong communication skills, understand insurance products, and often work independently or for agencies, with some states requiring ongoing education for license renewal.

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.

How much can I make selling final expense insurance?

Final expense insurance sales agents typically earn commissions ranging from 40% to 100% of the policy premium, with top producers earning $50,000 to $100,000 or more annually. Income depends on sales volume, experience, and the number of policies sold, often requiring strong sales skills and client relationships.

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.
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What cities in California are hiring for Final Expense Insurance Sales jobs? Cities in California with the most Final Expense Insurance Sales job openings:
Final Expense Insurance Sales jobs near you
Infographic showing various Final Expense Insurance Sales job openings in California as of August 2026, with employment types broken down into 1% As Needed, 73% Full Time, 20% Part Time, 2% Temporary, and 4% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $45,063 per year, or $21.7 per hour.

Licensed Final Expense Agent

Golden Memorial - A M Barragan Insurance Services, Inc.

Bakersfield, 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!