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Final Expense Life Insurance Jobs (NOW HIRING)

Kris Cycak Agency

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Final Expense Life Insurance Agent

Pittsburgh, PA · On-site

$80K - $150K/yr

We are Seeking Final Expense Life Insurance Agents in a market that is EXPLODING right now!! It's an exciting time to join the #1 Final Expense Company in the nation which can allow you to make over ...

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Final Expense Life Insurance information

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$38K

$81.8K

$112K

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

As of Jun 17, 2026, the average yearly pay for final expense life insurance in the United States is $81,805.00, according to ZipRecruiter salary data. Most workers in this role earn between $62,500.00 and $98,500.00 per year, depending on experience, location, and employer.

What are some common challenges faced by Final Expense Life Insurance agents, and how can they overcome them?

Final Expense Life Insurance agents often face challenges such as building trust with clients, handling objections about policy costs, and maintaining a steady pipeline of leads. Success in this role typically involves strong interpersonal skills, empathy, and persistence. Agents can overcome these challenges by staying informed about product options, leveraging referral networks, and utilizing effective communication techniques to clearly explain policy benefits. Continuous professional development and mentorship from experienced colleagues also contribute to improved sales performance and job satisfaction.

What are the key skills and qualifications needed to thrive as a Final Expense Life Insurance Agent, and why are they important?

To thrive as a Final Expense Life Insurance Agent, you typically need a state insurance license, strong sales acumen, and knowledge of insurance products and regulations. Familiarity with CRM software, quoting tools, and e-signature platforms is commonly required to manage leads and process applications efficiently. Exceptional interpersonal skills, empathy, and resilience set top agents apart when building trust with clients facing end-of-life planning. These competencies are crucial for meeting client needs, ensuring compliance, and achieving consistent sales performance in a competitive market.

What does Dave Ramsey say about final expense insurance?

Dave Ramsey recommends final expense insurance as a way to cover end-of-life costs and avoid burdening family members. He suggests choosing a term or whole life policy that fits your budget and emphasizes the importance of shopping around for reputable providers. Ramsey also advises against over-insuring and recommends consulting with a financial advisor for personalized planning.

Can I get life insurance with lupus?

Final expense life insurance providers consider applicants with lupus on a case-by-case basis. Approval depends on disease severity, stability, and overall health, and some insurers may require medical exams or documentation from a healthcare provider. It is advisable to compare policies and consult with an agent experienced in insuring applicants with chronic conditions.

Is Final Expense Direct a good company to work for?

Final Expense Direct is a company that offers insurance sales positions, often requiring agents to work independently and on commission. The work environment and compensation can vary, so researching employee reviews and understanding the sales process are important before considering employment there.

What is the difference between Final Expense Life Insurance vs Insurance Agent?

AspectFinal Expense Life InsuranceInsurance Agent
CredentialsTypically no specific licensing beyond insurance licenseRequires state licensing and certifications
Work EnvironmentPrimarily sales, client consultations, policy salesSales, client meetings, policy management
Industry UsageInsurance industry, specifically life insurance salesInsurance industry, sales and advisory roles
Search/Comparison IntentUnderstanding policies, coverage options, costsComparing policies, commissions, career info

Final Expense Life Insurance agents focus on selling specific policies to clients, often requiring licensing. Insurance agents have broader roles, including advising and selling various insurance products, and typically need more certifications. While both work within the insurance industry, their responsibilities and credentials differ, making this comparison relevant for those exploring careers or policies in life insurance.

What is final expense life insurance?

Final expense life insurance is a type of whole life insurance policy designed to help cover end-of-life expenses, such as funeral and burial costs, medical bills, and other outstanding debts. These policies typically offer smaller coverage amounts, making them more affordable and easier to qualify for, especially for seniors or those with health concerns. The goal of final expense insurance is to provide financial peace of mind to you and your loved ones by ensuring that funeral costs and related expenses are taken care of without creating a financial burden.

Is selling final expense insurance a good career?

Final expense life insurance sales is a sales-focused career that involves building client relationships and understanding insurance products. Success often depends on sales skills, product knowledge, and the ability to generate leads, with many agents working independently and earning commissions. It can offer flexible schedules but requires persistence and ongoing training to succeed.
More about Final Expense Life Insurance jobs
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What states have the most Final Expense Life Insurance jobs? States with the most job openings for Final Expense Life Insurance jobs include:
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Final Expense Life Insurance jobs near you
Final Expense Life Insurance Agent

Final Expense Life Insurance Agent

Kris Cycak Agency

Pittsburgh, PA • On-site

$80K - $150K/yr

Full-time

Posted 16 days ago

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Job description

The Kris Cycak Agency strives to develop and train HIGHLY motivated individuals with an ambitious mindset!! We are Seeking Final Expense Life Insurance Agents in a market that is EXPLODING right now!!

It’s an exciting time to join the #1 Final Expense Company in the nation which can allow you to make over 100K + your first year. We provide a proven turn-key sales system and local leads.

We are looking to train and develop highly motivated individuals with an entrepreneurial mindset.
No sales experience is required; growth opportunities are available!
Are you ready to be your own boss, have complete control of your schedule, build lifetime residual income, receive cash bonuses for your hard work, earn paid vacations, access great benefits, and more?

Commission based only but potential earnings with bonuses and exclusive trips!
UNMATCHED LEAD PROGRAM - Company-sponsored program with targeted direct mail lead drops. YOU GET TO WORK FRESH AND EXCLUSIVE FINAL EXPENSE LEADS IN THE AREA THAT YOU WANT with NO UP-FRONT COST TO YOU!
What makes us unique:
• 100% In-house lead program - NO cold calling!
• Same-day commission advances
• Simple process - ONE product, ONE carrier
• ZERO Startup Investment
• $5-10k+ first month agent earnings
Why timing matters right now:
• Fresh leads delivered daily
• Protected territories are being assigned
• Immediate onboarding available
• Build Lasting Residual Income
The UBI advantage:
• Complete/ongoing training program with easy onboarding
• Direct leadership support
• 85% customer retention rate
Lincoln Heritage Life Insurance Company is the leading provider of Final Expense Insurance, operating in 49 states with over 1 million policies in-force valued at more than $8 billion. Lincoln Heritage Life Insurance Company has an A+ rating with the Better Business Bureau and an A (Excellent) rating with A.M. Best, an organization that evaluates the financial strength of insurance companies. We’ve also received hundreds of positive reviews over the years from policyholder families who have experienced our fast claims service. Read Lincoln Heritage reviews. Commonly referred to as burial insurance or funeral insurance, we provide final expense life insurance quotes for people looking to protect their families from rising funeral costs.