Can You Really Make 7 Figures Selling Final Expense Insurance?

Let’s just be honest: everyone wants to know the fast track to financial freedom. And when it comes to the insurance game, “Final Expense” often gets tossed around like it’s a golden ticket. People ask me all the time:
“Can you make a seven-figure income selling final expense insurance?”

The short answer?
No.
Not if you’re trying to do it as a solo producer. Not if you’re expecting to stay in your lane and just close final expense policies day after day. But let’s break that down—because there is a path to high income in this business. It just doesn’t look the way most people think.

The Reality Check: Top Earners in Final Expense

Let’s define some numbers so we’re all on the same page. If you’re crushing it in final expense—like top 5% in the country—you’re probably pulling in somewhere between $100,000 to $150,000 per year in personal income.

Now look, that’s great money. That kind of income gives you freedom, stability, the ability to take care of your family, save, invest, and enjoy your life. But let’s be clear:
That is not seven-figure income. It’s not even close.

Sure, there might be a few outliers who are doing more than $150k, but that’s rare. Final expense has a cap. It’s a volume game. It’s repeatable, predictable, and relatively simple—but it doesn’t pay out the kind of commission structure that gets you into million-dollar income territory on its own.

So if you’re a lone wolf who plans to only sell final expense forever, the dream of making seven figures is probably not in the cards.

Want Bigger Income? Here’s Where You Pivot

Now here’s where the conversation gets interesting. If you’re serious about scaling past that $150K ceiling and into the $250K to $500K+ range, you have two main paths:

1. Product diversification

2. Agency building

Let’s start with product diversification. Final expense is a great entry point—it’s a solid product, relatively easy to understand, and a great solution for a large market. But it’s not a high-ticket item. If you want to level up, you need to start thinking about adding:

• Medicare: This is a huge, ongoing revenue source that brings in renewals and long-term clients.

• Annuities: Now we’re talking real ticket size. These can bring in four or five figures in commission per sale.

• Life insurance with living benefits or indexed universal life (IUL): Higher-value products that appeal to a different kind of buyer.

Each of these gives you the ability to stack commissions and move into a different income bracket—without having to sell 40 policies a week just to hit your goals.

The Real Gamechanger: Duplication

But here’s the key most people don’t want to hear…
If you want seven figures, not just a comfortable six, you have to get serious about agency building.

That means:

• Recruiting and training other agents

• Duplicating yourself

• Creating systems and processes

• Scaling marketing to support your team

• Building infrastructure so you’re not trading time for money

The real money doesn’t come from closing every sale yourself—it comes from helping other people close. It comes from earning overrides. It comes from spreading your impact.

Now, this isn’t easy. Building a team means leadership, mentorship, communication, accountability, and long-term vision. But if you can learn those skills—and stay consistent—you unlock a level of income and freedom that simply isn’t available as a one-person show.

What’s the Fastest Path to $500K+ in Insurance?

If you’re reading this and thinking, “Okay, but I don’t want to build a giant organization,” that’s fair. Not everyone does.

But let’s say you want to get to $300K to $500K in the next couple of years. Here’s what your roadmap might look like:

1. Start with final expense to build cash flow and gain experience.

2. Add Medicare as a residual revenue stream.

3. Layer in annuities and higher-ticket policies to increase your per-sale value.

4. Invest in marketing—leads, branding, education.

5. Bring on one or two producers and start mentoring.

6. Repeat, refine, and scale.

This hybrid approach—producing while building a small team—is often the sweet spot for agents who want to grow income without losing their sanity.

Why Most Agents Stay Stuck

Most agents will never hit even $150K—and it’s not because the opportunity isn’t there. It’s because they:

• Don’t treat it like a real business

• Don’t invest in themselves or their marketing

• Refuse to learn new products

• Stay in their comfort zone

• Try to do it all alone

If you want a different result, you have to play a different game. The industry is wide open for those who are willing to learn, adapt, and take action.

And by the way, none of this happens overnight. But if you’re in this business to build a career—not just make a few bucks short-term—then this is the mindset you need.

Final Expense Is a Great Start—Not the Final Destination

Let’s bring it full circle.

Final expense is amazing for learning the ropes. It teaches you how to communicate, how to sell, how to follow up, how to build trust, and how to close. It can give you freedom, flexibility, and solid income right out of the gate.

But if you want to grow—if you want to build wealth, take care of your family long-term, and create something bigger than yourself—you’re going to have to level up.

That means:

• Adding products

• Building a team

• Creating systems

• Thinking like a business owner

So no—final expense alone won’t make you a millionaire. But it absolutely can be the foundation for a seven-figure career in insurance—if you build on it.

Final Thoughts: What Will You Do With This Information?

There are two types of people who read this kind of content.

The first group nods, says “Makes sense,” and goes back to doing what they’ve always done.

The second group says, “Alright, time to shift gears,” and starts putting a plan together.

If you’re ready to be in that second group—ready to grow, scale, and stop playing small—this is your sign.

Final expense can get you in the door. But it’s up to you whether you stay in the hallway or build a skyscraper on top of it.

Let me know if you want this formatted for a blog post, PDF guide, or social media carousel!

Thank You For Reading

Thank you for reading. In addition to growing our team, my company also offers products and services to help independent insurance agents increase their production and profitability.

If You’re Looking to Join an Agency

The DIG Agency specializes in helping agents become top producers selling final expense life insurance 100% from home using our free lead system. We provide high-quality training, expert coaching, and the technology tools you need to succeed — whether you want to work part-time or build a full-time career.

As your skills grow, you’ll have the option to transition into a broker role, where you can buy your own leads, earn higher commissions, and even build your own team — all without any forced recruiting or MLM gimmicks.

If you’re serious about building a real career in final expense sales, visit https://www.davidduford.com to learn more. Watch the Overview Video on the homepage to see exactly how our system works.

If You’re Already an Agent and Want Better Leads and Tools

Whether you’re independent or already working with another agency, we can help you get more high-quality leads and streamline your sales process. Here’s what we offer:

• FE Leads Direct
  Order exclusive final expense leads at wholesale pricing through our done-for-you lead management system. These are the same leads our top producers work every day. Learn more at https://www.GetFELeads.com.

• DIG Dialer
  Designed for insurance agents selling any product, the DIG Dialer helps maximize your calling efforts. It’s the same dialer we use at The DIG Agency and has boosted our presentation rate by up to 300% compared to other dialers. If you want more presentations and more sales, visit https://www.digdialer.com for details.

• Final Expense CRM
  If you’re a final expense agent looking for a field-tested CRM to manage your leads and clients, check out Final Expense CRM. Designed specifically for remote sales, it features Grace AI to help pre-set appointments and automate follow-ups to increase your sales opportunities. Try it for free for 14 days at https://www.finalexpensecrm.com.

Wherever you are in your career — new agent, experienced producer, or independent broker — we’ve got the tools, training, and resources to help you sell more, earn more, and build the business you want.