FINAL WISHES AND REQUESTS - Final Expense Champions 2025

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In general, final expense insurance itself can be easy to learn, with low face amounts, low premiums, and simplified underwriting. The target market and need for this product are both extensive, however, it can be hard to segue into and give a final expense sales presentation.
How much does a Final Expense Agent make? As of Mar 15, 2025, the average annual pay for a Final Expense Agent in the United States is $81,805 a year. Just in case you need a simple salary calculator, that works out to be approximately $39.33 an hour. This is the equivalent of $1,573/week or $6,817/month.
Learning how to sell final expense insurance can give you a great opportunity to succeed financially. Ive had multiple agents in my agency make between $200,000 to $300,000 a year. Plus, many of them work 4 or 5 days weekly without overnight travel.
Average Final Expense Insurance Insurance Agent yearly pay in the United States is approximately $71,554, which is 19% above the national average.
Average Final Expense Commission Rates Independent Agents (who contract with multiple carriers) typically earn higher commissions (80-120 percent) but must generate their own leads and handle marketing expenses. Agency level contracts are going to be higher and likely cap out around 140%.
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