How to Become a Final Expense Agent
Published by Agent First Contracts
Final Expense insurance is a small whole life policy, often purchased to cover funeral and end-of-life costs. Agents who sell it typically meet seniors in their homes, explain options and help them apply.
This roadmap covers the general path. Licensing rules are set by each state, so always confirm details with your state insurance department.
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Where to sell life insurance as a newly licensed agent
Newly licensed agents usually choose between a captive company, a call center or an independent IMO. Final Expense is a common starting point because the product is simple to explain and the need is clear. If you want to start selling Final Expense insurance independently and face to face, look for an IMO that offers direct carrier contracts, field-focused training and optional leads.
Step 1: Get your life insurance license
Most states require a pre-licensing course and a state exam for a life (or life and health) license, followed by a background check and fingerprints. Requirements, fees and timelines vary by state, so confirm details with your state insurance department.
Step 2: Choose how you want to sell
Final Expense is sold in the field (face to face) and over the phone. Agent First Contracts focuses on agents who want to work in the field.
Step 3: Pick an IMO and get contracted
An IMO connects you with carriers. Compare contract levels, release policy, training and lead options, then complete carrier contracting.
Step 4: Learn the product and the process
- Carrier products, plan types and waiting periods
- Field underwriting: health questions and prescription checks
- Running an in-home presentation respectfully and compliantly
- Completing applications and following up on pending cases
Step 5: Plan your leads, budget and territory
Most field agents work purchased leads such as direct mail, plus their own prospecting. Plan a starting budget before you buy anything.
Step 6: Start running appointments
Build a weekly routine of setting appointments, running them and following up. Expect a learning curve. 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.
Frequently asked questions
Do I need a separate license to sell Final Expense?
Final Expense is life insurance, so a state life insurance license is generally required. Check your state's rules.
Can a brand-new agent sell Final Expense?
Yes, many agents start in Final Expense. Carriers may require product training before you write their business.
How much will I earn?
Earnings depend on activity, leads, skill and market. We don't promise income.
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