Final Expense Insurance Agent

The Wood Agency Life; Central Falls (RI); Remote; USD 50,000 - 120,000; Full time

Benefits offered by this job

Licensing coursework guidance

Ongoing training on final expense

CRM access

Independent contractor (1099)

Job summary

The Wood Agency Life is seeking remote final expense insurance sales agents to serve Central Falls, Rhode Island and surrounding communities from a home office. This 1099 opportunity offers commission-based earnings with no salary or hourly pay, and requires a state life insurance license or coursework with agency guidance.

You'll conduct phone and video conversations with older clients, assess their health and budget, present tailored final expense policies, complete e-apps, and track progress

Qualifications

• Must be comfortable speaking with older adults via phone/video.
• Willing to obtain a state life insurance license with agency guidance.
• Clear communicator who explains policy details patiently.
• Reliable internet and home office setup for remote work.
• Organizational skills to manage multiple applications.

Responsibilities

• Speak with individuals who inquire about final expense coverage by phone/video.
• Assess health, budget, and family situation before presenting options.
• Present final expense life insurance policies sized to fit a fixed income.
• Complete the application with the carrier's e-app platform.
• Track calls, case notes, and status updates in the CRM.
• Follow cases through underwriting and keep clients informed.

Skills

Phone & video communication

Active listening

Life insurance license

Clear communication

Remote work readiness

Organization

Education

State life insurance license (or coursework)

Tools

CRM software

Carrier e-application platform

Job description

Are you looking to serve families in Central Falls, Rhode Island who are planning for end-of-life expenses? The Wood Agency Life is hiring remote final expense insurance sales agents to help clients review life insurance options that cover funeral and related costs, and apply for coverage. This is a 100% remote, work-from-home position—you'll work from wherever you are while serving the Central Falls, Rhode Island area. This role is built for patient listeners who are comfortable with phone and video conversations with older clients.

What you'll do

• Speak with people who've asked about final expense coverage, by phone and video, on their schedule.
• Learn about each client's health, budget and family situation before discussing any options.
• Present final expense life insurance policies sized to fit a fixed income.
• Complete the application together using the carrier's e-app platform.
• Track calls, case notes and status updates in the agency CRM.
• Follow the case through underwriting to issue, keeping the client informed along the way.

Qualifications

• Comfortable on the phone and on video, often with older adults.
• Willing to complete a state life insurance license, with agency guidance through roughly two weeks of coursework, or already hold one.
• Patient, clear communicator who explains policy details without rushing.
• A computer, a phone and reliable internet for remote work.
• Organized enough to track several pending applications at once.

What we provide

• An independent agency with access to multiple carriers for final expense products.
• Licensing coursework guidance if you're not yet licensed.
• Ongoing training on final expense products and carrier systems.
• CRM access to manage your pipeline.

Compensation

This is a 1099 independent contractor opportunity. Pay is commission-based. No salary or hourly pay is provided. Earnings depend on individual production.

The Wood Agency Life. Ben Wood, NPN 20251128. Independent insurance agency. Agents are independent contractors (1099) paid under contract. A state life insurance license is required before soliciting or selling business, and licensing timelines vary by state. Equal opportunity — we consider every applicant regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or veteran status.