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Final Expense Life Insurance Agent Jobs (NOW HIRING)

Enhance Health LLC

Life Insurance Agent

Clearwater, FL · On-site

$25/hr

Life Insurance Agent - Final Expense $25/hr + Uncapped Commissions + Bonuses In-Office | Clearwater, FL Clarifying Marketing Group is hiring driven and motivated Final Expense Life Insurance Agents ...

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Final Expense Life Insurance Agent information

See salary details

$38K

$81.8K

$112K

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

As of Jul 21, 2026, the average yearly pay for final expense life insurance agent 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.

How much do final expense insurance agents make?

Final expense life insurance agents typically earn between $40,000 and $80,000 annually, with top performers making over $100,000. Income largely depends on sales skills, experience, commission rates, and the number of policies sold, as many agents work on a commission-based structure.

How much can you sell a $100,000 life insurance policy for?

As a Final Expense Life Insurance Agent, the sale price of a $100,000 policy depends on factors like the applicant's age, health, and underwriting guidelines. Typically, the premium paid is the cost of the policy, and agents earn commissions based on the premium amount, not a resale value. Policies are generally not sold for a profit but are purchased to provide coverage for beneficiaries.

What is a Final Expense Life Insurance Agent?

A Final Expense Life Insurance Agent is a licensed insurance professional who specializes in selling life insurance policies designed to cover end-of-life expenses, such as funeral and burial costs. These agents help clients, often seniors, find affordable policies that provide peace of mind for their loved ones. They educate clients about different policy options, assist with applications, and guide them through the purchasing process. Agents typically work for insurance agencies or as independent brokers representing multiple carriers.

Is selling final expense insurance a good career?

Final expense life insurance agents sell policies designed to cover end-of-life expenses, often working independently and earning commissions based on sales. Success in this field requires strong sales skills, product knowledge, and the ability to build client relationships, with many agents working flexible schedules. It can be a viable career for those interested in insurance sales and customer service, but income potential varies based on effort and market conditions.

How to become a final expense insurance agent?

To become a final expense life insurance agent, you typically need to complete state licensing requirements, which often include pre-licensing education and passing a licensing exam. Once licensed, agents usually undergo training on insurance products and sales techniques, and may need to obtain a certification or appointment with an insurance carrier. Strong communication skills and knowledge of insurance policies are essential for success in this role.

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

AspectFinal Expense Life Insurance AgentInsurance Sales Agent
CredentialsLicensing required, often specific to life insuranceLicensing required, varies by insurance type
Work EnvironmentPrimarily in the field, meeting clients at their homes or officesVaries; includes field sales, call centers, or online
Industry UsageFocused on final expense and life insurance productsBroader, includes health, auto, property, and life insurance

Final Expense Life Insurance Agents specialize in selling policies that cover end-of-life expenses, often working directly with clients in personal settings. Insurance Sales Agents have a broader scope, selling various insurance products across different sectors. While both roles require licensing and involve client interaction, Final Expense Agents focus specifically on life insurance for final expenses, making their work more targeted within the insurance industry.

How does a Final Expense Life Insurance Agent typically build and maintain their client base?

Final Expense Life Insurance Agents often build their client base through a combination of cold calling, lead generation, community outreach, and networking with local organizations. Maintaining relationships with clients is crucial, as many rely on referrals and repeat business to sustain their growth. Agents typically follow up with clients to review policy needs, answer questions, and provide ongoing support, which helps foster trust and encourages referrals. Collaboration with team members or managers may also occur to share best practices and discuss new lead sources or sales strategies.

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 need a solid understanding of life insurance products, state licensure, and sales acumen. Familiarity with CRM software, digital quoting tools, and online application systems is typically required. Excellent interpersonal skills, active listening, and resilience help agents build trust and effectively support clients through sensitive financial decisions. These skills and qualities are crucial for meeting sales goals and providing compassionate service to clients planning for end-of-life expenses.
More about Final Expense Life Insurance Agent jobs
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Final Expense Life Insurance Agent jobs near you
Infographic showing various Final Expense Life Insurance Agent job openings in the United States as of July 2026, with employment types broken down into 94% Full Time, 4% Part Time, and 2% Contract. Highlights an 91% Physical, 1% Hybrid, and 8% Remote job distribution, with an average salary of $81,805 per year, or $39.3 per hour.

Final Expense Life Insurance Agent

Team Nexa Insurance Solutions

Springfield, OH • On-site

$50K - $275K/yr

Contractor

Posted 7 days ago

Job description

Are you ready to grow your career in life insurance sales? At Team Nexa Insurance Solutions, we specialize in Final Expense Insurance – one of the fastest-growing markets in the industry – and we’re looking for motivated agents to join our team.

✅ What We Offer

  • Full Portfolio of Products – Sell Final Expense, Term Life, Whole Life, Universal Life (UL), Indexed Universal Life (IUL), Guaranteed Issue, Simplified Issue, Mortgage Protection, Accidental Death, Juvenile Policies, and more. (Note: No Variable Universal Life)

  • Real-Time Lead System – Personalized for YOU. Our exclusive leads are never resold, delivered instantly, and available at a low cost.

  • Live Online Training – Learn directly from some of the most successful and experienced agents in the industry.

  • Top Carrier Contracts – We provide direct contracting and training with many of the largest life insurance companies in the United States.

  • Support for New Agents – Preferably, we’re seeking currently licensed agents, but if you’re not yet licensed, we have a proven program to guide you step-by-step to obtain your Life Insurance Producer License.

💼 Why Team Nexa?

We’re not just another agency. We’re a team built for growth, with hands-on support, top-tier training, and a system designed to help you succeed. Whether you’re full-time or part-time, this is your chance to build a rewarding business with the tools and mentorship you need.

Join our Live Question & Answer SessionPre-Registration is Required - Click Here

Join Team Nexa Insurance Solutions and take your insurance career to the next level.
👉 Apply now and start helping families while building a business you can be proud of!


*Individual Results May Vary*

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