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$38K

$81.8K

$112K

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

As of Jun 7, 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.
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 May 2026, with employment types broken down into 52% Full Time, 2% Part Time, 44% Contract, and 2% Nights. Highlights an 90% Physical, 2% Hybrid, and 8% Remote job distribution, with an average salary of $81,805 per year, or $39.3 per hour.

HIRING FINAL EXPENSE AGENTS!!!!

OS & ASSOCIATES INSURANCE AGENCY @ Hispanos Unidos

Rancho Cucamonga, CA • On-site

$60K - $100K/yr

Contractor

Medical, Dental, Vision

Posted 27 days ago

Job description

⚠️ Must be licensed to begin selling. OS & ASSOCIATES reserves the right to
change, modify, or cancel at any time. This is a COMMISSION-based 1099 position.

Why OS & ASSOCIATES?

Golden Memorial Insurance is the #1 Final Expense Insurance Agency in the nation selling our final expense product. We partner with Lincoln Heritage Life Insurance Company who has been in the final expense Insurance for more than 55 years rated A-(Excellent) from AM Best, BBB rated A+

✅ Exclusive Leads (Direct Mail, TV & Web – NO Out-of-Pocket Cost!)
✅ Commissions Paid Daily✅ Residual Income (Renewals) – Get Paid for Life!
✅ Proven Systems with the #1 Final Expense Carrier in the Nation
✅ Hands-On Training

✅ Complete Flexibility – YOU Choose Your Schedule (40 hrs./week minimum recommended for optimal results)
✅ Retention Department – More Clients Kept = More $$ for YOU
✅ 98% Approval Rate – Get Paid on Same-Day Submissions via Direct Deposit
✅ Full Health & Dental Benefits Available
✅ Management & Agency Growth Opportunities – Scale to $50K+/month

SET YOUR OWN HOURS

✅ Sell our one simple underserved market (Means greater opportunities for agents)
✅ E-App application process eliminating need for paper applications and faster service
✅ 24-hour underwriting and claims assistance
✅ 1-Page insurance applications

We only work with coachable, driven, and serious people. If you’re ready to put in the work and change your life, we’ve got the system to get you there.

DON'T WAIT APPLY NOW!!

Company Description

We are a growing insurance agency focused exclusively on Final Expense life insurance, helping families prepare for end-of-life expenses with dignity and care. We partner with experienced, licensed agents who want strong support, quality carriers, and consistent production.
https://osassociatesgm.com/