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Final Expense Jobs (NOW HIRING)

Rustman Agency

Final Expense Sales Representative

UT · On-site

As a Final Expense Sales Representative , you'll work closely with seniors and their loved ones to provide peace of mind through simple, effective life insurance solutions. This role is perfect for ...

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$38K

$81.8K

$112K

How much do final expense jobs pay per year?

As of Sep 10, 2026, the average yearly pay for final expense 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 agent?

Final expense agents are insurance professionals who help clients purchase final expense insurance, a type of life insurance designed to cover end-of-life costs such as funeral expenses, medical bills, and outstanding debts. These agents assess clients’ needs, explain policy options, and guide them through the application process. Their goal is to ensure that families are not financially burdened by these costs when a loved one passes away. Final expense agents often work with seniors and people planning ahead for their end-of-life needs.

What skills and qualifications are needed to thrive as a final expense insurance agent?

To thrive as a Final Expense Insurance Agent, you need a solid understanding of insurance products, sales techniques, and compliance regulations, often supported by a valid state insurance license. Familiarity with customer relationship management (CRM) software and quoting tools is typically necessary. Exceptional interpersonal skills, active listening, and empathy help agents build trust and effectively address clients’ end-of-life planning needs. These skills and qualities are crucial to meeting clients’ expectations, providing ethical guidance, and achieving sales targets in a sensitive market.

What are common challenges faced by final expense insurance agents and how can they be addressed?

Final Expense insurance agents often face challenges such as building trust with senior clients, overcoming misconceptions about insurance, and managing a high volume of leads. Successful agents address these by developing strong interpersonal skills, staying patient and empathetic, and educating clients about the benefits of final expense policies. Additionally, agents who consistently follow up with prospects and leverage technology for organization tend to thrive in this role.

What is the difference between Final Expense vs Insurance Agent?

AspectFinal ExpenseInsurance Agent
Required CredentialsLife insurance license, possibly state-specificVaries by insurance type, often requires license
Work EnvironmentPrimarily field-based, client meetings at homes or officesField, office, or remote sales depending on role
Employer & Industry UsageInsurance companies, agencies focusing on final expense policiesMultiple insurance sectors, including life, health, auto
Search & Comparison IntentPeople seeking final expense coverage optionsIndividuals exploring various insurance products

Final Expense agents specialize in selling life insurance policies designed to cover end-of-life costs, often requiring specific licensing. Insurance agents have a broader scope, selling multiple types of insurance, but many also focus on life insurance. While both roles involve client consultations and sales, Final Expense agents focus specifically on end-of-life coverage, making their work more targeted within the insurance industry.

Is selling final expense insurance a good career?

Final expense insurance sales is a sales-focused career that involves building client relationships and understanding insurance products. Success often depends on sales skills, product knowledge, and the ability to generate leads, with many agents working independently and earning commissions based on policies sold.
More about final expense jobs

What cities are hiring for Final Expense jobs?

Cities with the most Final Expense job openings:

What states have the most Final Expense jobs?

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

What are popular job titles for Final Expense?

Popular job titles for Final Expense:

final expense jobs near you
Infographic showing various Final Expense job openings in the United States as of September 2026, with employment types broken down into 1% As Needed, 88% Full Time, 8% Part Time, and 3% Contract. Highlights an 91% Physical, 2% Hybrid, and 7% Remote job distribution, with an average salary of $81,805 per year, or $39.3 per hour.

Final Expense Sales Representative

Concord, NH • On-site

Rustman Agency
Insurance Services • 1 - 5K employees
Learn more about Rustman Agencyexternal

Full-time

Re-posted 15 days ago

Job description

At The Rustman Agency, we specialize in helping families prepare for the future with affordable, compassionate coverage. As a Final Expense Sales Representative, you'll work closely with seniors and their loved ones to provide peace of mind through simple, effective life insurance solutions. This role is perfect for caring, service-minded professionals who want to make a meaningful impact while earning a strong income.
Key Responsibilities:
  • Connect with warm, qualified leads (no cold calling)
  • Educate clients on final expense coverage options
  • Build trust and guide clients through the application process
  • Handle objections with empathy and professionalism
  • Meet individual sales targets and maintain strong follow-up
  • Maintain accurate records in the CRM

What We Offer:
  • Flexible schedule with remote or local field options
  • Proven training and ongoing mentorship
  • Access to quality, pre-screened leads
  • Advancement opportunities in a growing agency

Qualifications:
  • Strong communication and active listening skills
  • Compassionate and service-oriented approach
  • Prior sales experience is a plus
  • Life & Health insurance license (or willingness to obtain)

Make a lasting difference in the lives of others - while building a career you're proud of. Join The Rustman Agency and help families prepare for tomorrow, today.
Department Customer Service Department Locations NH, Concord, NJ, Atlantic City, NM, Gallup

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