How to Sell Final Expense Insurance Successfully in Today’s Market

Selling final expense insurance can be one of the most rewarding and scalable career paths in the life insurance industry—if you approach it the right way. Whether you’re new to the field or transitioning from another product line, learning how to sell final expense insurance effectively will set you apart in a competitive market.

What Is Final Expense Insurance?

Final expense insurance is a small whole life policy designed to help seniors cover the costs of funeral services, burial, and other end-of-life expenses. Unlike traditional life insurance, it’s meant for simplified underwriting, affordable premiums, and fast issue—making it a go-to product for those aged 50 to 85.

Why Selling Final Expense Insurance Is a Smart Move

The demand is real. Over 10,000 Americans turn 65 every day, and millions are underinsured or uninsured when it comes to burial and final expense coverage. That makes final expense life insurance sales a consistent, recession-resistant opportunity for motivated agents.

Key Benefits of Selling Final Expense Insurance

  • Simple, one-call closes
  • High conversion rates with minimal underwriting
  • Recurring commissions with policy renewals
  • Sales can be done entirely over the phone or online

Steps to Sell Final Expense Insurance Effectively

1. Get Appointed with the Right Final Expense Carrier

Work with an IMO like North Star Insurance Advisors that provides direct access to top-rated carriers, competitive commissions, and exclusive lead programs.

2. Learn the Sales Script and Master the Objections

Top producers know how to guide conversations with empathy and urgency. Focus on why the product matters, not just what it is. Mastering your final expense insurance sales pitch is critical.

3. Use a Phone-Based or Virtual Selling Model

Consumers—especially seniors—are more open than ever to buying over the phone. Our agents at North Star are trained to complete the entire process remotely, which means more appointments, more efficiency, and no driving.

4. Follow Up Like a Pro

Final expense clients may need a second conversation. Use a simple CRM to track and re-engage warm leads. Consistency is what separates average agents from six-figure earners.

Where to Find Final Expense Leads

Effective final expense sales require a steady lead pipeline. At North Star, we provide our agents with exclusive, pre-qualified leads daily—no cold calling required.

You can also test channels like:

  • Facebook ads targeting seniors
  • Direct mail campaigns with callback cards
  • TV or radio spots (if you have the budget)

Is Selling Final Expense Insurance Right for You?

If you’re coachable, ethical, and willing to follow a proven system, this niche could change your life. Our team at North Star Insurance Advisors will give you the tools, mentorship, and platform to launch or grow your career selling final expense insurance.

Take the First Step Toward a New Career