Final Expense Sales Jobs: Independent Field Agent Opportunities
Published by Agent First Contracts
Many 'Final Expense sales jobs' are independent, commission-based opportunities, not salaried employment. Knowing the difference helps you choose the right path.
Agent First Contracts contracts independent agents with carriers. We don't post job openings or salaries. Agent First Contracts currently recruits independent agents in Missouri, Illinois, Tennessee, Nevada, Ohio, Pennsylvania, New Jersey, Texas, North Carolina, Georgia and Alabama. Requirements, carrier availability and approvals vary by state and carrier.
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Independent contractor vs salaried employee
- Independent agents are typically paid commission on policies placed, run their own schedules and pay their own business expenses
- Salaried roles pay wages set by an employer and usually come with assigned hours and duties
- Read any agreement carefully to see which one you are signing
What we offer
We offer carrier contracts for independent agents, published commission information, optional leads at posted prices, a free training course and a quoting tool. Specific contract levels and terms are discussed with you and provided in writing. We don't guarantee leads, earnings, territories or approvals.
Licensing and authorization
Before soliciting or submitting business, confirm that your license, carrier authorization, product training and any required appointment meet the rules for that state and carrier. Appointment timing and processes vary.
Realistic daily duties
- Calling leads to set appointments with their permission
- Driving to in-home appointments
- Needs discovery, field underwriting and presentations
- Completing accurate applications
- Following up on pending business and serving clients
- Tracking activity and expenses
Business expenses to plan for
- Licensing and continuing education
- Leads, if you buy them
- Mileage, fuel and vehicle costs
- Phone, tablet and software
- A reserve for possible chargebacks
Questions to ask about support
- Who answers my underwriting questions in the field?
- Is training available before I start, and what does it cover?
- Are leads required or optional, and how are they priced?
- What are the commission, advance and chargeback terms in writing?
- What is the release policy?
Fit checklist
- Licensed, or working toward a license, in a state where we recruit
- Comfortable with commission-only income that varies
- Able to budget for leads, travel and other expenses
- Willing to drive to appointments and meet clients at home
- Ready to follow carrier rules and treat clients with respect
Frequently asked questions
Are Final Expense sales jobs salaried?
Most are independent, commission-based opportunities. Read the agreement to see whether you would be a contractor or an employee.
Does Agent First have job openings?
We contract independent agents in the states we recruit in. We don't post salaried openings.
How much can I earn?
It depends on activity, market, skill and expenses. We don't promise income.
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Ready to talk about contracts?
Apply for contracts, book a call with our team, or start with the free training course.