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Final Expense Insurance Sales Jobs (NOW HIRING)

Cypress Memorial Insurance Services

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Licensed Insurance Agent - Final Expense

Denver, CO · On-site

$500/day

Join our team as a Licensed Final Expense Insurance Agent and represent the #1 Final Expense agency ... Sales or customer service experience is preferred * Bilingual skills in English and Spanish are a ...

Cypress Memorial Insurance Services

Be Seen First

Licensed Insurance Agent - Final Expense

Hayward, CA · On-site

$500/day

Join our team as a Licensed Final Expense Insurance Agent and represent the #1 Final Expense agency ... Sales or customer service experience is preferred * Bilingual skills in English and Spanish are a ...

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Final Expense Insurance Sales information

See salary details

$28K

$45.7K

$64.5K

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

As of Sep 15, 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 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.

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 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.

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 performers making $50,000 to $100,000 or more annually. Income depends on sales volume, experience, and the commission structure of the insurance company, often supplemented by bonuses or residuals for ongoing policies.

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. It often requires strong interpersonal skills, knowledge of insurance products, and the ability to work independently, with income typically based on commissions. Many find it a stable career option with growth potential in the insurance industry.
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:

What states have the most Final Expense Insurance Sales jobs?

States with the most job openings for Final Expense Insurance Sales jobs include:

What are popular job titles related to Final Expense Insurance Sales jobs?

For Final Expense Insurance Sales jobs, the most frequently searched job titles are:

Infographic showing various Final Expense Insurance Sales job openings in the United States as of September 2026, with employment types broken down into 1% As Needed, 76% Full Time, 18% Part Time, and 5% Contract. Highlights an 84% Physical, 1% Hybrid, and 15% Remote job distribution, with an average salary of $45,661 per year, or $22 per hour.

Experienced Final Expense Insurance Agents Wanted

Dallas, TX • Remote

Ping Health
See more jobs at Ping Healthexternal

$30K - $150K/yr

Contractor

Posted 2 days ago

New

Job description

Tired of chasing old leads, knocking doors, being told one thing to find out it is much different after contracting?

We are seeking motivated, self-driven Independent Life Insurance Agents (1099) to join our fast-growing, fully remote Final Expense telesales division. If you want the convenience of working from your home office, backed by an aggressive compensation structure and a steady stream of interested clients, this is the opportunity you’ve been waiting for.

This is a 1099 role.


What We Offer

Up to 100% Day 1 Commission for Experienced Agents: Get the maximum value for your hard work right out of the gate with an aggressive, top-tier commission structure.

Direct Pay: Get paid directly from the carriers, keep your residuals, own your book of business. There is no catch here. General Agent contracts.

Access to "On- Demand" High-Intent Inbound Leads: (No Minimum Purchases) You purchase the leads you want, when you want them. Gain access to our premium, direct-response inbound leads (digital requests and live phone transfers)

Work From Anywhere: Skip the gas expenses and vehicle wear-and-tear. Conduct all presentations and enrollments 100% over the phone. We will teach you how to close on the phones!

Top-Rated Carriers: Access a robust portfolio of simplified-issue and guaranteed-issue products from A-rated insurance companies, ensuring you can cover almost any client digitally.

Responsibilities:

  • Respond to and follow up with real-time inbound telesales leads and inquiries regarding Final Expense life insurance.
  • Conduct comprehensive financial needs analysis with clients over the phone to help them select the right burial or final expense policy.
  • Utilize electronic applications (e-apps) and voice-signature processes to submit policies accurately and efficiently.
  • Maintain strong, professional relationships with clients virtually to ensure high policy retention.
  • Manage your own schedule with a remote office environment,

Requirements:

  • Active Life Insurance License Required
  • Strong entrepreneurial spirit with a self-motivated, disciplined work ethic to succeed in a work-from-home environment.
  • Dedicated, quiet home office space free from background noise.
  • Reliable high-speed internet, a computer/laptop, and a reliable phone setup (headset required).
  • Excellent verbal communication and interpersonal skills, with a genuine desire to help families.
  • Prior experience in telesales, remote sales, or insurance we provide comprehensive training on our products and digital sales system.

This is a 1099 independent-contractor, commission-based insurance sales opportunity. No salary or income is guaranteed. Contract levels, commissions, lead availability, and results vary by state, carrier, product, production, and individual performance. Historical lead-cost and close-rate results do not guarantee future results.