Selling Final Expense Insurance: Proven Tips for Success in 2025

Final expense insurance is one of the most accessible and in-demand insurance products on the market. With a relatively low barrier to entry and a large aging population in need of coverage, selling final expense insurance in 2025 offers both financial opportunity and personal fulfillment. Whether you’re new to the field or looking to improve your sales process, this guide shares proven tips and insights to help you succeed.

What Is Final Expense Insurance?

Final expense insurance, also known as burial or funeral insurance, is a type of whole life policy designed to help families cover end-of-life expenses. The benefit amount usually ranges from $5,000 to $25,000, and the underwriting is simplified, making it easier to sell over the phone or online.

Market Outlook and Competition

According to recent SEMrush data, the keyword “selling final expense insurance” receives 90 monthly searches and faces 79.8 million results with a CPC of $3.47 and moderate competition. This shows growing interest and a healthy market environment.

Top Tips for Selling Final Expense Insurance

1. Know Your Product

Be prepared to answer questions about premiums, benefit structures, policy types, and carriers. Educate prospects on how final expense differs from term or full life policies. Highlight the ease of approval and how quick payout can reduce family stress during a difficult time.

2. Focus on Empathy, Not Just Price

This is a relationship-driven sale. Agents who listen, understand the emotional triggers, and prioritize trust over pressure consistently outperform others.

3. Master the Phone

With the majority of policies being sold remotely, phone etiquette and verbal clarity matter. Follow a proven sales script and personalize it based on client responses.

4. Handle Objections Gracefully

Anticipate concerns like “I already have insurance,” “I’m healthy,” or “I’ll think about it.” Address objections with respect, facts, and urgency—but never pushiness.

5. Follow Up Like a Pro

Many final expense sales close on the second or third call. Use a CRM to track leads and stay consistent in follow-ups. Text, email, and voicemail reminders all help convert.

Best Tools and Resources

Join North Star Insurance Advisors

North Star Insurance Advisors is one of the nation’s top-performing final expense agencies. We provide warm leads, structured training, and a full remote telesales model that allows you to work from anywhere in the U.S.

Check us out on Indeed and Glassdoor!