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Final Expense Sales information

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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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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.

Final Expense Sales Agent | Unlimited Income Potential

Golden Memorial Insurance Services

Denver, CO • On-site

$100 - $2.5K/wk

Other

Medical, Dental, Retirement

Re-posted 7 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.