Final expense insurance jobs are among the fastest ways to build a commission-based sales career without leaving home, cold-calling strangers, or buying your own leads. At North Star Insurance Advisors, agents sell final expense (burial/funeral) life insurance entirely by phone, backed by a corporate-structured platform that handles lead generation, training, and admin support — so agents can focus on what they do best: helping families protect themselves.
This guide covers what the job actually involves, what it pays, who it’s a fit for, and how to get started.
What Does a Final Expense Insurance Job Involve?
Final expense telesales agents help clients — often seniors or those nearing retirement — secure life insurance policies sized to cover funeral costs, medical bills, and other end-of-life expenses. The day-to-day typically includes:
- Speaking with warm, pre-qualified leads generated by the company’s marketing team — no cold calling
- Walking clients through coverage options over the phone and helping them choose a policy that fits their budget
- Submitting applications and follow-up paperwork through North Star’s proprietary platform
- Ongoing client check-ins and policy servicing as needed
Unlike retail insurance sales, this is a 100%-remote, phone-based model. There’s no territory to build, no office to staff, and no walk-in traffic to manage — just a phone, a license (or the willingness to get one), and the platform North Star provides.
Why Demand for This Role Keeps Growing
Two trends are driving steady hiring in this space. First, the U.S. population is aging quickly: people age 65 and older now make up about 18% of the U.S. population as of 2024, up from 12.4% just two decades earlier, according to U.S. Census Bureau population estimates. That’s a growing pool of households actively shopping for final expense coverage every year.
Second, the insurance sales profession itself is expanding. The Bureau of Labor Statistics projects 4% job growth for insurance sales agents from 2024 to 2034, with roughly 47,000 openings projected each year nationally, and reports a median annual wage of $60,370 (May 2024) for the occupation overall. Final expense telesales is commission-based, so individual earnings vary by performance and aren’t guaranteed — but the BLS data reflects a profession with consistent, growing demand.
What Makes North Star’s Model Different
Not every final expense opportunity is structured the same way. North Star operates as an Insurtech platform, not a traditional agency, which changes what agents get day one:
- Leads provided — no buying your own leads or cold-calling cold lists
- Paid, corporate-structured training — built for both brand-new and experienced agents
- Proprietary tech platform — handles application submission, client management, and reporting
- Marketing, admin, and customer-service support — handled by North Star’s Wentzville, MO headquarters team, so agents can focus on selling
- Recognized growth — North Star has been named to the Inc. 5000 list of fastest-growing private companies
For a deeper breakdown of day-to-day responsibilities, licensing requirements, and how the platform integrates with your workflow, see our companion page on final expense insurance agent jobs.
Is This Role a Fit for You?
This path tends to work well for:
- Licensed life/health insurance agents looking to escape cold-calling or buy-your-own-lead models
- Career-switchers drawn to a performance-based, remote sales role with no prior insurance experience required
- Call-center operators evaluating a partnership rather than an individual agent role
If you’re not yet licensed, that’s not necessarily a barrier — many agents start the process with support from North Star’s onboarding team. Specific licensing steps, timelines, and requirements vary by state, so confirm current requirements during the application process.
Culture and Support Behind the Role
Remote sales roles can feel isolating if there’s no structure behind them. North Star’s culture is built around four core values — Trust, Enthusiasm, Advancement, and the belief that Everyone Matters — and that shows up in how agents are onboarded, coached, and recognized. You can read more about the values and day-to-day culture behind the platform on our Culture page.
Frequently Asked Questions
Not necessarily. North Star works with both licensed agents and motivated career-switchers; licensing requirements and support vary by state and role, so confirm specifics during onboarding.
Leads are provided through North Star’s marketing platform — agents are not expected to cold-call or purchase their own lead lists.
Structure varies by position and arrangement; review the specific terms presented during the application and onboarding process.
Yes — North Star’s model is nationwide and remote-first, built around at-home telesales agents rather than a branch-office structure.
Individual agents apply directly as remote sales agents, while call centers can apply as a partner organization to plug their team into North Star’s platform. See our Careers page for both paths.
Next Steps
If you’re ready to explore a remote, commission-based sales career with leads, training, and support already built in, North Star’s Careers team can walk you through next steps based on your licensing status and experience level.
Apply as a Remote Sales Agent or explore Call Center Partnerships. Have questions first? Visit our Careers FAQor contact our team at 636-205-5005.
Related Articles
- Final Expense Insurance Agent Jobs: Platform, Training, and Support
- Careers at North Star Insurance Advisors
- Our Culture: Trust, Enthusiasm, Advancement, Everyone Matters
- Careers FAQ: Earnings, Leads, Training, and Licensing
Sources & Citations
- U.S. Census Bureau — Vintage 2024 Population Estimates by Age, Sex, Race, and Hispanic Origin
- Bureau of Labor Statistics — Occupational Outlook Handbook: Insurance Sales Agents
