The story of Final Expense Brokerage began in 1997, inside a modest office where handwritten notes filled manila folders, and the steady ring of a landline phone echoed against the pale-colored walls. Robert Swanson sat behind a small desk—not as a broker, but as a life insurance agent, meeting with clients, listening to their concerns, and helping them find real protection for their families.
He didn’t just sell policies—he built relationships. Over time, Robert saw what many agents lacked: a partner who truly understood the day-to-day challenges of being in the field. Someone who could offer not only contracts, but guidance, tools, and support that actually moved an agent’s business forward.
That vision became Final Expense Brokerage (FEB).
What began at one desk has become a trusted national IMO—built by an agent who lived it, and shaped for agents ready to grow. And though the office is bigger now, our purpose is still personal: help agents serve better, sell smarter, and build a business that lasts.
About Final Expense Brokerage
FAQ’s
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We’re agent-focused and growth-driven. Unlike many IMOs, we offer more than contracts—we provide access to many of the best carriers in the industry, high commissions for life and health products, custom case support, 24/7 quoting tools, and training resources that help you scale your business. Plus, we were founded by an agent who understands the field firsthand.
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No. We work exclusively with independent agents and offer non-captive contracts. You’ll have the flexibility to grow your business your way while getting access to a wide range of life, final expense, and supplemental health insurance products.
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Our portfolio includes final expense, term life, whole life, annuities, Medicare supplements, and hospital indemnity, plus specialty plans for cancer, heart, stroke, and accident coverage.
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We welcome mid-level to experienced agents with or without current production. There are no upfront production quotas to access most of our top carriers, though we do base commission on experience level.
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We offer personalized support for every stage of the sales process, including:
Custom case design
Product training
One-on-one phone support
Real-time quoting tools
Lead generation tips
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Not yet, but our agent blog includes sales strategies and marketing tips tailored for life and health agents. Some carriers we work with also offer built-in sales tools and portals to support your growth.
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Absolutely. We provide custom case support—whether it’s a diabetic client, someone with COPD, or an older-age applicant, we’ll help you match them with the best carrier and product to get the policy issued.
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No. There are no fees to contract with us or use our quoting tools (though you will need to be appointed with at least one carrier to access term or index universal quotes), case support, or training resources. Our success is built on helping you succeed.
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No, but you can call CalSurance: 800-745-7189 or NAPA: 800-593-7657 for assistance.
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We do not. However, Limra is what most companies and agents use. You can also check out RegEd, QuestCE, SuccessCE, and WebCE.
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Telemarketing leads and direct mail lead cards. Click Here to view details about our lead co-op program.
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We cater to mid-level and experienced agents and match commission to experience levels.
Final Expense Brokerage Values
Agent-Centered Growth Support
We’re more than an IMO—we’re your growth partner. From lead generation co-ops and free 24/7 quoting tools to ongoing training resources, our mission is to help you scale your business with confidence. Access our agent blog for real-world sales strategies, digital marketing tips, and prospecting support designed to help you place more policies.
Simplified Sales Process With Expert Case Support
Get personalized case support for your toughest placements—including high-risk clients, COPD, diabetic, or senior applicants. Many of our carriers offer instant underwriting decisions, no height or weight limits, paperless applications, and built-in sales tools—making it easier to match your clients with the right plan, faster.
Top-Tier Carrier Access & Competitive Commissions
Work with top-rated life and health insurance carriers offering final expense, term and whole life, Medicare supplements, and more. Our agents enjoy high commission contracts based on experience level—all with no captive restrictions and access in almost all 50 states.
Built for Agents Like You
At Final Expense Brokerage, we believe insurance is more than a product—it’s a promise to protect families during life’s most difficult moments. That’s why we’re committed to helping independent life and health insurance agents grow strong, sustainable businesses built on trust, service, and results.
We serve mid-level to experienced agents who want more than just contracts—they want a partner. Our support goes beyond the basics, offering access to top-rated life, health, and final expense carriers, real-time case design help, high-comp commissions based on experience, and a 24/7 quoting tool to close more sales with confidence.
We exist to make your job easier, your results better, and your business stronger—because when agents succeed, more people get the protection they deserve.