Join Our Team Starting a new final expense career

Lincoln Heritage Life Insurance Company® has been the national leader of agent produced final expense life insurance for most of our 50+ years in business. This is only possible because of the incredible agents we work with every day. Our agents come from all walks of life – some have decades of experience and some have none! Whatever your background, we’re excited you’re here. We want to partner with you to represent and distribute our revolutionary final expense insurance products to the expanding senior market. The time has never been better to start selling final expense insurance. The market has seen unprecedented growth and doesn’t show any signs of stopping.

The simplicity of the product makes it easy for anyone to sell. Because the policies are smaller in value (usually no more than $10,000 – $15,000), the underwriting process takes days – not weeks. With Lincoln Heritage, you’ll use a 1-page application and there are no medical exams for your clients to qualify. We issue coverage based on the applicant’s answers to health questions.

As a Lincoln Heritage life insurance agent, you’ll be responsible for setting your own schedule and working as often as you’d like. You’re the boss!

Best of all, from the very beginning you’ll receive hands-on training from a local field agency to help you understand the market, the product, and how to make your sales presentation. The process couldn’t be easier.

So no matter where you’re coming from in life, we’ll do everything we can to make your new career the best you’ve ever had.

Final expense sales benefits


  • Same day advances and renewal commissions
  • Proven lead system – TV, direct mail, and digital
  • Simplified and liberal underwriting
  • 1-page insurance application
  • Exotic incentive trips for contest winners
  • Competitive group benefits: Health and dental for you and your family with qualifying production
  • Extraordinary home office support
  • 24-hour underwriting and claims assistance
  • Live help line
  • Fast claim service


Local agency directors often have their own list of benefits and incentives for their agents, including cash bonuses, Rolex watches, free leads, incentive trips, and even cars!

How much does a final expense agent make?


Last year alone, we paid over $197 million in compensation to agents. When it comes to how much you can make, you’re in charge! We have agents that make over six figures their first year selling final expense. The opportunity is limitless for those who want it.


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