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Final Expense Insurance Sales Jobs (NOW HIRING)

Cowan Insurance Group LLC

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Life Insurance Broker

Dallas, TX · Remote

$77K - $102K/yr

Consistent Lead Flow Most sales people spend 80% of their time prospecting (finding sales). We work with prospects that are looking for final expense insurance. Lead Types: Lead Types: 1. Exclusive ...

Cowan Insurance Group LLC

Be Seen First

Life Insurance Broker

Dallas, TX · Remote

$77K - $102K/yr

Consistent Lead Flow Most sales people spend 80% of their time prospecting (finding sales). We work with prospects that are looking for final expense insurance. Lead Types: Lead Types: 1. Exclusive ...

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All JobsFinal Expense Insurance Sales Jobs

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 Jul 12, 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. 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 opportunities for growth and flexible scheduling.

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 for most consumers. He advises individuals to focus on term policies that provide adequate coverage and avoid whole or final expense policies with higher premiums and less transparency.

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 impact 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 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 commission structure of the insurance company, often supplemented by bonuses or residuals for ongoing policies.

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:
What states have the most Final Expense Insurance Sales jobs? States with the most job openings for Final Expense Insurance Sales jobs include:
What job categories do people searching Final Expense Insurance Sales jobs look for? The top searched job categories for Final Expense Insurance Sales jobs are:
Final Expense Insurance Sales jobs near you
Infographic showing various Final Expense Insurance Sales job openings in the United States as of July 2026, with employment types broken down into 81% Full Time, 15% Part Time, 2% Temporary, and 2% Contract. Highlights an 94% Physical, 2% Hybrid, and 4% Remote job distribution, with an average salary of $45,661 per year, or $22 per hour.
State-Licensed Final Expense Outside Sales Agent POSITION

State-Licensed Final Expense Outside Sales Agent POSITION

OS & ASSOCIATES INSURANCE AGENCY @ Hispanos Unidos

Riverside, CA • On-site

$60K - $100K/yr

Contractor

Medical, Dental, Vision

Re-posted 6 days ago

Job description

Why OS & ASSOCIATES?

Golden Memorial Insurance is the #1 Final Expense Insurance Agency in the nation selling our final expense product. We partner with Lincoln Heritage Life Insurance Company who has been in the final expense Insurance for more than 55 years rated A-(Excellent) from AM Best, BBB rated A+

✅ Exclusive Leads (Direct Mail, TV & Web – NO Out-of-Pocket Cost!)
✅ Commissions Paid Daily✅ Residual Income (Renewals) – Get Paid for Life!
✅ Proven Systems with the #1 Final Expense Carrier in the Nation
✅ Hands-On Training

✅ Complete Flexibility – YOU Choose Your Schedule (40 hrs./week minimum recommended for optimal results)
✅ Retention Department – More Clients Kept = More $$ for YOU
✅ 98% Approval Rate – Get Paid on Same-Day Submissions via Direct Deposit
✅ Full Health & Dental Benefits Available
✅ Management & Agency Growth Opportunities – Scale to $50K+/month

SET YOUR OWN HOURS

✅ Sell our one simple underserved market (Means greater opportunities for agents)
✅ E-App application process eliminating need for paper applications and faster service
✅ 24-hour underwriting and claims assistance
✅ 1-Page insurance applications

We only work with coachable, driven, and serious people. PREFERRABLY CANDIDATES THAT HAVE THEIR LIFE INSURANCE LICENSE ACTIVE (NOT DRIVER'S LICENSE)

DON'T WAIT APPLY NOW!! https://osassociatesgm.com/

Company Description

About OS & Associates – Hispanos Unidos Agency
At OS & Associates – Hispanos Unidos Agency, we're more than an insurance agency—we're a team dedicated to protecting families, creating financial opportunities, and building successful careers.
Our mission is to empower agents through comprehensive training, ongoing mentorship, exclusive lead programs, and a supportive, team-oriented culture. Whether you're an experienced professional or starting a new career, we provide the tools, guidance, and resources you need to succeed.
We proudly serve diverse communities nationwide, with a special commitment to helping Hispanic families plan for the future through personalized life insurance and final expense solutions. Our bilingual team makes it possible to connect with clients in both English and Spanish while making a meaningful impact in the communities we serve.
https://osassociatesgm.com/