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Final Expense Insurance Jobs in Arizona (NOW HIRING)

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Final Expense Insurance information

See Arizona salary details

$35.4K

$76.2K

$104.4K

How much do final expense insurance jobs pay per year?

As of Sep 3, 2026, the average yearly pay for final expense insurance in Arizona is $76,233.00, according to ZipRecruiter salary data. Most workers in this role earn between $58,200.00 and $91,800.00 per year, depending on experience, location, and employer.

What is a final expense insurance?

A Final Expense Insurance job involves helping clients secure affordable insurance policies that cover end-of-life expenses, such as funeral costs and medical bills. Agents educate customers on policy options, assess their needs, and assist them in choosing the right coverage. This role typically includes sales, customer service, and networking to build a client base. Many agents work with insurance companies or as independent brokers, earning commissions for policies they sell.

What are the typical challenges faced in a final expense insurance role?

One common challenge in Final Expense Insurance is addressing sensitive topics with clients, as discussions often involve end-of-life planning and financial concerns. Agents may encounter objections or emotional conversations, requiring patience and empathy to build rapport and trust. Additionally, prospecting for new clients and navigating various state insurance regulations can be demanding. However, many find the role rewarding due to the meaningful impact they have on helping families prepare for the future, and there are strong opportunities for career growth through building a client base and advancing to management or training positions.

What are the key skills and qualifications needed to thrive in the final expense insurance position, and why are they important?

To thrive in Final Expense Insurance, you need strong sales acumen, thorough knowledge of insurance products, and applicable state licensure. Familiarity with insurance quoting software, CRM systems, and regulatory compliance tools is highly valued. Excellent interpersonal skills, active listening, and compassion set top performers apart in this field. These capabilities help build client trust, ensure regulatory adherence, and drive continued success in serving clients planning for end-of-life expenses.

How to become a final expense insurance agent?

To become a final expense insurance agent, you typically need to obtain a state insurance license by completing pre-licensing education and passing a licensing exam. Additionally, agents often pursue training in insurance products, develop sales skills, and may need to complete ongoing continuing education to maintain their license and stay updated on industry regulations.

Is selling final expense insurance a good career?

Final expense insurance sales is a sales-focused career that involves helping clients plan for end-of-life expenses. Success often depends on strong interpersonal skills, product knowledge, and the ability to build client relationships, with many agents working independently and earning commissions based on sales performance.

What cities in Arizona are hiring for Final Expense Insurance jobs?

Cities in Arizona with the most Final Expense Insurance job openings:

Infographic showing various Final Expense Insurance job openings in Arizona as of August 2026, with employment types broken down into 1% As Needed, 72% Full Time, 23% Part Time, and 4% Contract. Highlights an 91% Physical, 1% Hybrid, and 8% Remote job distribution, with an average salary of $76,233 per year, or $36.7 per hour.

EXPANDING AND HIRING FINAL EXPENSE AGENTS!

OS & ASSOCIATES INSURANCE AGENCY @ Hispanos Unidos

Tucson, AZ โ€ข On-site

$60K - $100K/yr

Contractor

Medical, Dental, Vision

Re-posted 15 hours ago


Job description

Join Hispanos Unidos – Powered by OS & Associates

Make a Difference. Build a Career. Change Lives.

Hispanos Unidos, powered by OS & Associates, is expanding and seeking motivated individuals who are passionate about helping families protect their loved ones while building an unlimited-income career.

We proudly partner with Golden Memorial Insurance Services and offer Final Expense products underwritten by Lincoln Heritage Life Insurance Company, a trusted leader in Final Expense Insurance for more than 55 years. Lincoln Heritage is rated A- (Excellent) by AM Best, and Golden Memorial Insurance Services is a BBB Accredited Business with an A+ Rating.

What We Offer

✅ Company-provided Exclusive Leads (Direct Mail, TV & Web)

NO Out-of-Pocket Lead Costs

✅ Daily Commission Payments

✅ Lifetime Residual Income (Renewals)

✅ Warm Leads — No Cold Calling

✅ Set Your Own Schedule

✅ Hands-On Training & Personal Mentorship

✅ Electronic Applications (Fast & Paperless)

✅ One-Page Applications

✅ 24-Hour Underwriting & Claims Support

✅ Dedicated Client Retention Department

✅ Health & Dental Benefits Available

✅ Leadership & Agency Growth Opportunities

What You'll Do

  • Help seniors and families protect their future with Final Expense Life Insurance.
  • Meet with clients by phone, virtually, or in person.
  • Educate families on affordable life insurance options.
  • Work warm company-provided leads.
  • Build lasting client relationships through outstanding service.
  • Manage your own schedule and production goals.

Qualifications

  • Active Life Insurance License preferred.
  • Candidates willing to obtain their Life Insurance License are encouraged to apply.
  • Self-motivated and coachable.
  • Strong communication and interpersonal skills.
  • Honest, dependable, and goal-oriented.
  • Bilingual (English/Spanish) is a plus but not required.

Compensation

  • 1099 Independent Contractor
  • Commission-Based Position
  • Daily Pay Available
  • Renewal Income Opportunities
  • Unlimited Income Potential Based on Performance

Who We're Looking For

We are searching for people who are:

✔ Coachable

✔ Motivated

✔ Professional

✔ Honest

✔ Driven to Succeed

✔ Passionate About Helping Families

Now Hiring In

Central Valley, California

Los Angeles & Surrounding Areas

Las Vegas, Nevada

Arizona

Texas

Chicago, Illinois

Why Hispanos Unidos?

Our mission is to educate and serve Hispanic families while providing rewarding career opportunities for individuals who want to make a positive impact in their communities. Whether you're bilingual or simply have a heart for serving others, you'll receive the training, mentorship, and support needed to build a successful career.

Please read the job description carefully and answer all screening questions completely.

OS & Associates / Hispanos Unidos reserves the right to modify or discontinue this job posting at any time.

Apply Today!

Join Hispanos Unidos and become part of a growing team dedicated to protecting families, serving communities, and creating financial freedom.

Apply Now—we're growing and looking for leaders!

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 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/