FAQs

What makes Final Expense Brokerage different from other IMOs or FMOs?

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.

Are Final Expense Brokerage contracts captive or non-captive?

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. Get contracted with life and health carriers today.

Can I sell more than just final expense insurance with FEB?

Absolutely. Our agents have access to contracts in Final Expense, Guaranteed Issue, Term Life, Whole Life, Mortgage Protection, Fixed Indexed Annuities, and Supplemental Health. This allows you to meet more client needs and expand your earning potential.

How quickly can I get contracted with Final Expense Brokerage?

Our streamlined contracting process makes it easy to get appointed with carriers. In many cases, agents can be ready to write business within 7-10 business days of submitting contracting paperwork.

Are there any production requirements to get started?

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.

What are the commission levels at Final Expense Brokerage?

FEB offers triple-digit first-year commissions on many products, along with competitive renewals, though we do base commission on experience level. Our goal is to ensure agents earn top compensation while maintaining full independence.

What types of agent support do you provide?

We offer personalized support for every stage of the sales process, including:

Does FEB offer bonuses or incentive trips?

Yes. Agents can qualify for monthly production bonuses and all-inclusive incentive trips. These rewards recognize your hard work and give you opportunities to connect with other top producers.

Do you offer sales or marketing training?

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.

Do you help with hard-to-place cases?

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.

Is there a fee to work with Final Expense Brokerage?

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.

Do you help with Errors & Omissions?

No, but you can call CalSurance: 800-745-7189 or NAPA: 800-593-7657 for assistance.

Do you help with Anti Money Laundering?

We do not. However, Limra is what most companies and agents use. You can also check out RegEd, QuestCE, SuccessCE, and WebCE.

What kind of leads do you offer?

Telemarketing leads, digital real time leads, inbound final expense calls, and direct mail lead cards. Click Here to view details about our lead co-op program.

What kind of agents do you partner with?

We cater to mid-level and experienced agents and match commission to experience levels.