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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 21, 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 Sales Agent | Unlimited Income Potential

Final Expense Sales Agent | Unlimited Income Potential

Golden Memorial Insurance Services

Denver, CO • On-site

$100 - $2.5K/wk

Other

Medical, Dental, Retirement

Posted 9 days ago

Job description

Job Description:

At GM Nation, we believe success is built through hard work, consistency, and a proven system. As a Final Expense Insurance Agent, you'll meet with families who have requested information about life insurance and help them find coverage that fits their needs. This is a field-based sales opportunity where your effort directly impacts your income and growth.

Position: Final Expense Insurance Agent | 10-99 Commission Only

Who We Are:

GM Nation is the #1 Final Expense agency in the nation. We have built a winning culture centered around opportunity, leadership, mentorship, and personal growth. Whether you're licensed, newly licensed, or looking for a new career path, we provide the tools, training, and support to help you succeed.

Why Join GM Nation?

• Unlimited earning potential with competitive commissions and bonuses

• Exclusive lead opportunities from individuals who have requested information

• One product. One-page application. Unlimited opportunity.

• Industry-leading training and mentorship from proven leaders

• Leadership and career advancement opportunities

• Company & Agency sponsored trips, contests, recognition, and incentives

• A supportive culture focused on helping agents win

Key Responsibilities:

• Meet with families to discuss their life insurance needs

• Present Final Expense coverage options and explain policy benefits

• Help clients select a plan that fits their goals and budget

• Build strong relationships through exceptional service

• Follow up with prospects and maintain client relationships

• Participate in ongoing training, coaching, and team meetings

Qualifications:

• Strong communication and people skills

• Self-motivated and goal-oriented

• Positive attitude and willingness to learn

• Ability to work independently and manage your time effectively

• Sales experience is helpful but not required

• Willing to obtain a Life Insurance License if not currently licensed — we'll help guide you through the process

If you're looking for more than just a job and want the opportunity to build a career with unlimited growth potential, GM Nation is the place for you. Join a team that is changing lives, helping families, and creating opportunities every day.

Apply today and see why so many agents have chosen to build their future with GM Nation.

Company Description

Golden Memorial is the #1 Final Expense agency in the nation, helping families protect what matters most while creating life-changing opportunities for agents across the country. With a simple one-product approach, a one-page application, industry-leading training, and a proven system, we make it easy for motivated individuals to build a rewarding career, grow their income, and achieve long-term success. Whether you're experienced or just getting started, Golden Memorial provides the support, mentorship, and opportunity to help you reach your full potential.