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Final Expense Life Insurance Agent information

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$38K

$81.8K

$112K

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

As of Jun 30, 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.

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.

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.
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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 June 2026, with employment types broken down into 100% Full Time. 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 Sales Agent | Unlimited Income Potential

Final Expense Sales Agent | Unlimited Income Potential

Golden Memorial Insurance Services

Thornton, CO • On-site

$100 - $2.5K/wk

Other

Medical, Dental, Retirement

Posted 19 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.