Final Expense & Burial Insurance Agent Contracting

Sell Final Expense with Up to 157% Commission

As a burial insurance agent, final expense is the easiest sale you can make with BetterLifeQuotes.com. Final expense is one of the easiest products to sell in life insurance: simplified issue, often no medical exam, and a large, underserved senior market.

Our job is to beat your current commission level: every new agent starts at a 100% commission at contracting, and every solo agent with at least 6 months of continuous sales who meets our minimum requirements is guaranteed more than 100%, with up to 157% across 14 carriers.

You also get back office support: a guided contracting roadmap, a members portal, a carrier resource directory and help with carrier appointments, transfers and contracting questions; sales training, telesales scripts, objection handling, closing strategies, personal coaching and ongoing professional development; an agent management system with production, commission and book-of-business reporting; the CallWave inbound call platform with lead strategy and ROI guidance; and recruiting, training and retention resources for agency growth.

Advance payouts are available on qualifying carriers, with no production minimums and no micromanagement. As a final expense agent, you own your book of business. Apply now to get contracted.

About the Coverage

Choose a coverage amount between $5,000 - $40,000
Available to individuals ages 40-85 (varies by insurer)
Whole life insurance – coverage remains active as long as premiums are paid
The death benefit is typically used for burial expenses but can also help cover:
- Funeral services
- Medical bills
- Credit card debt
- Legal expenses
- Any other financial obligations

Final Expense Insurance provides a straightforward, stress-free solution to help ensure your family has the funds they need.

A couple is meeting with a man at a desk in an office, likely for a consultation or interview.

Death Benefit Payout

The death benefit is paid in a lump sum to the beneficiary once the claim is approved.

Your beneficiary can use the payout for any purpose – there are no restrictions on how the money is spent.

Unlike pre-paid funeral plans, Final Expense Insurance is flexible – allowing your loved ones to make financial decisions that best suit their needs.

No Medical Exam Required – Simplified Underwriting

No medical exams, blood tests, or lab work required – unlike traditional life insurance.

Just answer a few health questions to determine eligibility.
Many applications get a fast decision, often during the call.

Even if you have health conditions, you may still qualify for coverage through options that do not require health questions.

Handing over a stack of hundred dollar bills to another person at a desk with a laptop, papers with graphs, and a pen.

Locked-In Premiums – Your Rate Will Not Increase

Predictable costs – your monthly premium will not change over time.
Unlike term life insurance, Final Expense policies do not expire as long as premiums are paid.
Budget-friendly options – policies start at affordable rates, making it easier to fit into your financial plan.

Generally Tax-Free Benefits for Beneficiaries

Generally income-tax-free death benefit – life insurance death benefits are generally not subject to federal income tax.

Paid directly to the beneficiary – with a named beneficiary, the benefit is not tied to an estate and generally does not go through probate.
Prompt claims – claims are often paid soon after the carrier receives the death certificate and claim forms.

A person is holding a smartphone with glowing dollar signs floating above it, indicating financial or monetary activity.

Who May Benefit from Final Expense Insurance?

Seniors looking for affordable permanent coverage
Anyone who wants to help ensure their loved ones aren’t burdened with final expenses
Individuals with limited savings or no life insurance in place
People seeking a simple alternative to pre-paid funeral plans

Even if you already have life insurance, a Final Expense policy can provide dedicated funds to help cover funeral costs, so larger policies and savings can go to other needs.

A family of six smiling and sitting together in a cozy living room with a white fireplace and bookshelf.

Final Expense Agent Contracting: Straight Answers

BetterLifeQuotes.com contracts independent agents to sell final expense, SIWL and GIWL, alongside term, IUL, UL and whole life, through 14 carriers, with advance payouts on qualifying carriers and no production minimums. Our job is to beat your current commission level.

What commission does an independent final expense agent earn?

Every new agent starts at a 100% commission at contracting, and every solo agent with at least 6 months of continuous sales who meets our minimum requirements is guaranteed more than 100%, with up to 157%. The exact level varies by carrier, product and state.

What makes final expense the easiest first sale for a new agent?

Final expense is usually simplified issue: no medical exam, no blood work and no labs. The client answers a short set of health questions and many applicants are approved within minutes. Face amounts typically run from about $5,000 to $40,000 for ages 40 to 85, premiums are level for life, and guaranteed issue options have no health questions at all. Short application, fast decision, small premium: it is the shortest path from conversation to issued policy.

Do final expense agents get commission advances?

Advance payouts are available on final expense business through qualifying carriers, subject to carrier and product. An advance pays a portion of the expected first-year commission at issue rather than making the agent wait for premium to be earned as received, which is what makes a high-volume final expense book workable from a cash-flow standpoint.

Which carriers can a contracted final expense agent write through?

14 carriers: Aetna, Transamerica, AIG / Corebridge, American Amicable, American Home Life, Foresters, Royal Neighbors, Aflac, CICA, Liberty Bankers, Mutual of Omaha, GTL, Gerber and Ethos, with Fidelity & Guaranty (F&G), InstaBrain, National Life Group and Symetra on the way. Carrier availability varies by state.

Every contracted agent also gets back office support (a guided contracting roadmap, a members portal, a carrier resource directory and help with carrier appointments, transfers and contracting questions; sales training, telesales scripts, objection handling, closing strategies, personal coaching and ongoing professional development; an agent management system with production, commission and book-of-business reporting; the CallWave inbound call platform with lead strategy and ROI guidance; and recruiting, training and retention resources for agency growth).

Who can sell final expense through BetterLifeQuotes.com?

A solo final expense agent who applies directly needs an active life insurance license in good standing, at least 6 months of continuous life insurance sales, their own lead source and tools, and their own E&O and AML certification. New agents join through a qualifying agent or agency and get training. See the minimum requirements.

Is there a production minimum on a final expense contract?

No. BetterLifeQuotes.com sets no production minimums and no quotas, agents own their book of business, renewals and hierarchy, even upon release, contracting is independent and non-captive, and releases are granted.