Final expense insurance sales may not be the flashiest topic in the industry, but they’re easily one of the most profitable—and the most overlooked. At North Star Insurance Advisors, we specialize in this highly targeted, high-demand niche, and we’ve helped thousands of agents build successful careers doing it.

In this post, we’ll explain why final expense insurance sales represent a unique opportunity in the marketplace, why the timing has never been better, and how we support agents every step of the way.

What Makes Final Expense Insurance Sales So Powerful?

Final expense insurance is a small whole life policy designed to cover funeral costs, medical bills, and end-of-life expenses. According to the National Funeral Directors Association, the median cost of a funeral with burial in 2023 was $8,300, making these policies essential for families on a budget.

Policies typically:

  • Range from $2,000 to $25,000

  • Require no medical exams

  • Offer fast approval times

  • Have fixed premiums that never increase

For agents, this means a streamlined sales process with high close rates—and strong recurring income.

The Market Is Booming—and Underserved

According to the U.S. Census Bureau, more than 10,000 Americans turn 65 each day, and by 2034, older adults will outnumber children in the U.S. for the first time in history.

This demographic shift is driving unprecedented demand for simple, affordable life insurance coverage—and final expense insurance sales are meeting that need.

At North Star Insurance Advisors, we’ve built a 100% remote sales model that allows agents to reach this growing market over the phone from anywhere in the country.

Why Agents Are Flocking to North Star Insurance Advisors?

Agents love this niche because it combines profitability, speed, and flexibility:

  • Fast Pay: Most applications are approved and paid out in days

  • Simple Product: Easy to explain, easy to understand

  • Residual Commissions: Long-term income without ongoing work

  • Remote Work: Sell across the U.S. from your home office

  • Impactful Mission: Help families avoid debt in a time of grief

In fact, LIMRA reports that simplified issue policies like final expense continue to grow in market share due to ease of issue and digital selling capabilities.

Why North Star Leads the Industry

Our focus is singular: final expense insurance sales. We provide:

  • Daily training

  • Built-in lead systems

  • Personal mentorship from experienced leaders

  • A positive, accountable culture

  • Ongoing coaching and personal development

Whether you’re brand-new or ready to scale, our infrastructure helps you succeed. Explore Corporate Positions or visit our About page to learn how we’ve supported thousands of agents.

Final Thoughts

If you’re tired of competing in saturated insurance markets—or looking for a simpler path to earning more—final expense insurance sales may be your secret weapon. The demand is real, the product is needed, and the income potential is unmatched.

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