Selling final expense insurance is one of the most rewarding niches in the life insurance world. But finding the right agency to partner with can make or break your success. Whether you're a seasoned agent or just starting out, you
Why Final Expense Insurance Is a Growing Market
Final expense insurance, a type of whole life policy designed to cover funeral costs and end-of-life expenses, is seeing steady demand. With the average funeral in the U.S. costing between $7,000 and $10,000, many families are unprepared for the financial burden. These policies offer simplified underwriting, often requiring no medical exam, making them accessible to seniors and those with health issues. For agents, this means a large, underserved market and policies that are easy to explain and sell. The key is aligning with an agency that provides the right tools, training, and carrier access to help you close deals efficiently.
How I Ranked These Agencies
I evaluated each agency based on four factors: carrier lineup and contract strength, lead generation and co-op programs, agent support and training resources, and the overall ease of doing business. I also considered how well each agency serves both new and experienced agents, and whether they offer a unique value proposition that sets them apart in a crowded market.
Here's a quick look at how the five agencies stack up against each other. Each one brings something different to the table, so you can find the best fit for your sales style and goals.
| Provider | Best For |
|---|---|
| Final Expense Brokerage | Agents who want high commissions and a lead co-op program |
| New Horizons Marketing | Agents who want a broad product portfolio and extensive training |
| Ritter Insurance Marketing | Agents who need creative sales strategies and training |
| fisherlegacygroup.com | Families seeking personalized, local insurance guidance |
| PSM Brokerage | Tech-savvy agents who want an all-in-one platform |
The Top 5 Final Expense Agencies for Agents
#1 Final Expense Brokerage
A screenshot of the Final Expense Brokerage website.
Final Expense Brokerage (FEB) is built for agents who want to scale fast. They offer top-rated carrier contracts for final expense, term, whole life, and annuities, plus a powerful quote engine that lets you compare rates instantly. Their lead co-op program helps you get money toward leads based on production, and they provide personalized support to navigate underwriting questions. If you're looking for a one-stop shop with high commissions and a clear path to growth, FEB delivers.
#2 New Horizons Marketing
A screenshot of the New Horizons Marketing website.
New Horizons Marketing offers a comprehensive suite of products beyond final expense, including Medicare supplements, annuities, and cancer insurance. Their final expense policies feature simplified underwriting and low face amounts, making them easy to sell to seniors. They also provide extensive training through webinars and a training hub, plus marketing materials to help you close more deals. This agency is ideal if you want to diversify your offerings while still specializing in final expense.
#3 Ritter Insurance Marketing
A screenshot of the Ritter Insurance Marketing website.
Ritter Insurance Marketing stands out for its creative approach to selling final expense. They publish actionable guides like '5 Out-of-the-Box Ideas for Selling Final Expense Insurance' that help agents overcome the challenge of starting conversations about end-of-life planning. Ritter also offers a strong support team and a focus on products that complement Medicare coverage. If you need fresh sales strategies and a partner that invests in your education, Ritter is a solid choice.
#4 fisherlegacygroup.com
A screenshot of the Fisher Legacy Group website.
Fisher Legacy Group LLC is a local life insurance agency run by licensed agent David Fisher, specializing in final expense, mortgage protection, and retirement planning. Unlike the larger brokerages, Fisher Legacy Group focuses on personalized, one-on-one service for families across the United States. They target clients who want a trusted advisor rather than a faceless call center, making them a great option for agents who value relationship-based selling. If you're looking for a smaller, more intimate agency that puts the client first, this is your pick.
#5 PSM Brokerage
A screenshot of the PSM Brokerage website.
PSM Brokerage provides a full platform for agents, including compliant leads, enrollment platforms, CRM solutions, and marketing automation. Their final expense insurance guide breaks down the need for coverage, citing rising funeral costs and the peace of mind these policies offer. They also offer agent training, a producer podcast, and industry news to keep you informed. PSM is a great fit for tech-savvy agents who want an all-in-one system to manage their business from lead to close.
How to Choose the Right Final Expense Agency for You
Start by identifying your biggest need: Is it high commissions, lead generation, or training? If you're new to final expense, look for an agency with strong onboarding and educational resources like Ritter or New Horizons. If you're an experienced agent looking to scale, Final Expense Brokerage's lead co-op and high contracts might be your best bet. For those who prefer a more personal touch, Fisher Legacy Group offers a relationship-driven approach. And if you want to automate your entire workflow, PSM Brokerage's tech stack is hard to beat. Always check the carrier lineup to ensure they offer the products your target market needs.
Automate Your Final Expense Sales Workflow
You can streamline your final expense sales by using a CRM to track leads, automated email sequences to nurture prospects, and a quoting tool to compare rates instantly. For example, start by importing leads from a co-op program into your CRM, then set up automated follow-ups that share educational content about funeral costs. When a prospect is ready, use a quoting calculator to present options, and close the deal with an e-signature tool. This workflow saves you hours each week and ensures no lead falls through the cracks.
Your Next Move in Final Expense Insurance
The final expense market is ripe with opportunity, and the right agency partner can accelerate your success. Whether you choose a national broker like Final Expense Brokerage for its scale, a creative educator like Ritter for its training, or a local specialist like Fisher Legacy Group for its personalized service, each of these five agencies has proven strengths. Take the time to match your sales style with the agency that fits best, and you'll be well on your way to building a thriving final expense business.