Getting Started with Final Expense
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Getting Started with FE
Final Expense insurance is one of the most misunderstood—and most reliable—segments in the life insurance industry. For the right agent, it offers consistent demand, predictable income, and a straightforward sales process built around helping families solve a real problem.
This section of our website is designed to give you a clear, honest picture of what Final Expense sales actually look like, how agents succeed long-term, and what you should understand before choosing an upline or contracting path.
What Is Final Expense Insurance?
Final Expense insurance is a form of whole life insurance designed to cover end-of-life costs such as funeral expenses, medical bills, and outstanding debts. Policies are typically smaller in face amount, simpler to underwrite, and intended for seniors on fixed incomes.
This is not an investment product. It’s not about rate arbitrage or financial engineering. It’s about simplicity, affordability, and certainty.
Clients buy Final Expense because they want:
To avoid burdening family members
To lock in a guaranteed benefit
To keep things simple and predictable
That simplicity is exactly why the market remains strong year after year.
Why Agents Choose Final Expense
Final Expense attracts agents for practical reasons.
Consistent demand
People don’t “age out” of needing this coverage. Every year, new prospects enter the market.Straightforward sales process
No complex illustrations. No long underwriting timelines. Most decisions are made in one conversation.Predictable commissions
Smaller premiums, but high persistency and steady production add up.Relationship-driven sales
This is a conversation business. Agents who listen, explain clearly, and follow through do well.
Final Expense rewards professionalism and consistency.
How Final Expense Is Actually Sold
Despite what you may hear online, successful Final Expense agents aren’t winging it or chasing shortcuts.
Most sustainable agents follow a simple structure:
Get in front of people who asked for information
Have a clear, honest conversation
Offer coverage that fits the client’s budget
Write clean business and move on
That’s it.
Where agents fail is not effort—it’s structure.
Frequently Asked Questions
About Getting Started in Final Expense
How do I get contracted with carriers?
Nowadays, you basically need to work with agency to obtain contracts. Some carriers will still allow individual agents to contract directly (without an agency), but you'll likely need to show proof of production.
In general, agents are better off partnering with top-tier agencies like APEX. You won't be giving up commission this way, and you'll receive additional resources like fresh exclusive leads, excellent training and support, and pre-set appointments. With APEX, you don't have to choose between comp or resources -- you get the best of both.
How do I avoid joining an MLM?
In general, if your agency is pushing you to recruit your friends and family, it's a sign of a possible MLM.
What are the basics of getting started?
Get licensed, interview several agencies, choose the one you trust, and start getting contracted with carriers. From there, a top-tier agency like APEX will help you obtain leads, provide scripts, and give you a roadmap to success. If your agency isn't offering assistance with those things, you may need to look for a new agency.
What are my odds of succeeding?
Supposedly, the industry average is only 8% of agents succeed. Keep in mind, that number is very inflated due to the large number of MLM-style agencies in insurance.
Joining a solid, reputable agency greatly increases your chances of success. Agencies like APEX that provide top-tier leads, training, and support give agents the best shot at reaching their full potential.
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