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Final Expense Sales Jobs (NOW HIRING)

Ethos Life

Head of Final Expense Sales

$119K - $210K/yr

As our Head of Final Expense Sales, you will own the strategy and full operational engine of our Final Expense sales organization, leading multiple managers and sales teams. You will be tasked with ...

Ethos Life

Head of Final Expense Sales

$119K - $210K/yr

As our Head of Final Expense Sales, you will own the strategy and full operational engine of our Final Expense sales organization, leading multiple managers and sales teams. You will be tasked with ...

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How much do final expense sales jobs pay per hour?

As of Aug 17, 2026, the average hourly pay for final expense sales in the United States is $21.20, according to ZipRecruiter salary data. Most workers in this role earn between $18.03 and $23.56 per hour, depending on experience, location, and employer.

What is final expense sales?

Final Expense Sales involve selling life insurance policies designed to cover end-of-life expenses, such as funeral and burial costs. These policies are typically marketed to seniors and have lower coverage amounts, making them more affordable and accessible. Agents in this field educate clients about the benefits of final expense insurance, help them select suitable plans, and assist with the application process. The goal is to provide peace of mind by ensuring that loved ones are not burdened with funeral costs.

What are the key skills and qualifications needed to thrive as a final expense sales agent?

To thrive as a Final Expense Sales agent, you need strong sales acumen, knowledge of insurance products, and typically a valid life insurance license. Familiarity with CRM systems, digital quoting tools, and lead generation software is essential for managing client interactions and streamlining the sales process. Outstanding interpersonal skills, resilience, and the ability to build trust quickly set top performers apart in this field. These skills ensure agents can effectively connect with clients, address sensitive topics, and consistently achieve sales targets in a competitive market.

What are some common challenges faced by final expense sales representatives, and how can they be addressed?

Final Expense Sales representatives often encounter challenges such as building trust with clients, handling objections about policy costs, and managing a steady stream of qualified leads. To address these, successful reps focus on empathetic communication, thorough product knowledge, and developing strong follow-up routines. Leveraging CRM tools, ongoing training, and mentorship from experienced team members can also help overcome obstacles and improve conversion rates.

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

AspectFinal Expense SalesFinal Expense Insurance Agent
CredentialsTypically requires insurance licenses, sales trainingRequires insurance licenses, product knowledge
Work EnvironmentField sales, door-to-door, appointmentsField and office, client meetings, calls
Employer & IndustryInsurance agencies, independent agentsInsurance companies, agencies
Search & Comparison IntentUnderstanding roles, sales techniquesProduct details, licensing, sales strategies

Final Expense Sales involves selling final expense insurance policies, focusing on sales techniques and client acquisition. Final Expense Insurance Agent is a licensed professional who sells these policies, often performing similar duties but emphasizing product knowledge and licensing. Both roles are integral to the insurance industry and require similar credentials, but the term "Final Expense Sales" emphasizes the sales process, while "Final Expense Insurance Agent" highlights the licensed professional aspect.

How much money can you make selling final expense sales?

Final expense sales agents typically earn commissions ranging from 40% to 80% of the policy premium, with annual incomes often between $50,000 and $100,000 or more depending on sales volume and experience. Success in this role depends on sales skills, lead quality, and the number of policies sold each month.
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What states have the most Final Expense Sales jobs?

States with the most job openings for Final Expense Sales jobs include:

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Final Expense Sales jobs near you
Infographic showing various Final Expense Sales job openings in the United States as of August 2026, with employment types broken down into 78% Full Time, 21% Part Time, and 1% Contract. Highlights an 92% Physical, 1% Hybrid, and 7% Remote job distribution, with an average salary of $44,098 per year, or $21.2 per hour.

Head of Final Expense Sales

Ethos Life

Remote

$119K - $210K/yr

Full-time

Re-posted 25 days ago

Job description

About the Role

We are looking for an ambitious Head of Final Expense Sales to help develop and scale our Final Expense Sales Team in a mission to protect the next million families. As our Head of Final Expense Sales, you will own the strategy and full operational engine of our Final Expense sales organization, leading multiple managers and sales teams. You will be tasked with expanding our Final Expense organization by recruiting and training the best Agents. You will collaborate with Product stakeholders to test and experiment into new sales motions. You will partner with Finance to develop staffing models and compensation plans. We're looking for a proven, hands-on sales leader who can drive performance today while architecting the organization, playbooks, and culture needed to win tomorrow.

Duties and Responsibilities

  • Lead the Final Expense Sales organization, responsible for managing multiple teams and driving performance
  • Define and own KPIs across production, activity, efficiency, and quality; foster a data-driven performance culture with clear accountability at every level
  • Lead, develop, and scale a high-performing team of licensed agents and managers - hiring top talent, building career paths, and maintaining a culture of performance
  • Build and continuously improve sales playbooks, scripts, and sales motions tailored to the Final Expense customer
  • Develop coaching programs across call reviews, shadowing, certifications, and performance improvement plans for both managers and agents
  • Partner with Product and Marketing teams to develop shared test and experimentation roadmaps
  • Set and manage staffing plans in partnership with Finance and Marketing, ensuring coverage, ramp capacity, and productivity targets are met
  • Design and evolve compensation plans that align agent and manager incentives with business outcomes

Qualifications and Skills

  • 8-12+ years of sales leadership experience, with direct ownership of inside sales teams of 30+ in a B2C or high-volume direct-to-consumer environment
  • Proven track record of owning a sales organization - exceeding revenue targets and scaling a business through headcount growth and operational improvement
  • Deep expertise in final expense, whole life, or adjacent protection products strongly preferred; candidates with B2C insurance, insurtech, or high-velocity consumer sales backgrounds will be considered
  • Experience designing and managing agent compensation plans, performance management frameworks, and staffing models at scale
  • Strong analytical operator fluent in forecasting, pipeline management, and modern CRM and telephony systems (Salesforce, Regal, or equivalent); able to translate data into rapid action
  • Excellent coach and developer of talent - track record of building manager capability and creating high-performance team cultures
  • Natural cross-functional partner; skilled at using data and customer insight to influence Product, Marketing, and Operations
  • Thrives in a fast-moving, tech-forward environment with a strong bias for action, high ownership, and a builder's mindset

#LI-Remote  #LI-JA1

The US national base salary range for this full-time position is $119,000 - $210,000. Our salary ranges are determined by role, level, and location. The range displayed on each job posting reflects the minimum and maximum target for new hire salaries for the position across all US locations. Within the range, individual pay is determined by work location and additional factors, including job-related skills, experience, and relevant education or training. 

Please note that the compensation details listed in US role postings reflect the base salary only and do not include applicable bonus, equity, or benefits. 

You can find further details of our US benefits at https://www.ethoslife.com/careers/

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