Final Expense Agent Jobs — Field & Telesales
Final expense is year-round, accessible, and in constant demand from the senior market. If you hold a life insurance license and want to find the right final expense agency — whether you prefer field or phone — Amerance connects you with agencies actively hiring and verifies your credentials before any introductions are made.
Apply as a final expense agent →Find the final expense setup that fits how you sell
Field final expense
- Door-to-door or scheduled home visits with senior clients
- Territory-based — agencies assign geographic areas
- Direct-mail leads are most common in field FE
- Higher average face-to-face close rates
- Requires reliable transportation
- Full-time income potential from consistent territory
Phone / telesales final expense
- Fully remote — sell from home to clients across multiple states
- Inbound calls, warm transfers, or self-worked lead lists
- Must be licensed in all states you'll serve
- Voice and communication skills are critical
- Faster daily volume potential than field
- Growing segment — many agencies prefer phone-based FE now
Agencies see cleared candidates — not a pile of résumés.
Life license — NIPR verified
We confirm your state life license is active in every state you want to work. Not self-reported — pulled from NIPR or state DOI.
E&O confirmed
Errors & omissions coverage verified so there are no contracting surprises after you've been introduced to an agency.
Release checked
If you're contracted elsewhere, we confirm you can actually release — no non-compete surprises after an offer.
Field or phone screened
We document whether you work field, phone, or both — so agencies only see your profile when it's a real match for their setup.
Apply once. Get matched with agencies hiring final expense agents.
Apply
Tell us your states, field vs. phone preference, production background, and what kind of agency you want to join.
We verify
License, E&O, release, and a human screening call. We handle all checks before any agency ever sees your name.
We match
Your profile goes to agencies in our network whose states, setup, and product focus match your background.
You pick the best fit
Interview the agencies that interest you — you're never obligated to accept anything.
Final expense agent job questions
What does a final expense agent do?
Final expense agents sell simplified issue whole life insurance designed to cover burial and end-of-life costs for seniors. Average policies run $10,000–$25,000, and the sales cycle is typically one to three conversations — shorter than many other life products.
Is final expense a good product line for new agents?
Yes — final expense is one of the most accessible entry points in life insurance sales. There's no AEP, policies are straightforward to explain, the product addresses a real need seniors understand, and many agencies provide lead support and training specifically for new agents.
Can I sell final expense from home?
Yes. Many agencies now run phone-based FE operations and hire remote agents who work purely by telesales. You'll need an active life license in every state you'll serve and a professional setup for client calls.
How much do final expense agents earn?
Commission levels vary by agency and carrier but are typically 80–120% of annual premium at the agent level. Consistent field agents at agencies with strong lead programs commonly earn $80,000–$150,000 annually. Telesales agents with high daily volume can exceed that in strong markets.
Do final expense agents also need a health license?
No — a life license is sufficient for final expense. However, agents who also hold a health license can cross-sell Medicare Supplement or ACA, which significantly increases the value of each client relationship. We can match dual-licensed agents with agencies that pay for both.
Final expense career terms we cover
Ready for a final expense agency that fits?
Apply once. We verify your credentials and match your profile with agencies looking for exactly what you offer.
Apply as a final expense agent →