Funeral & Burial Insurance

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Pre-Need and Final Expense Insurance License for Funeral Home Employees: What You Need to Know

Individuals currently employed in the funeral home industry can rely on America’s Professor to provide high-quality study aids and resources to help them pass the examination given to persons who wish to obtain a life insurance license. This is the type of license agents are required to hold in order to sell funeral and burial insurance.

What Is a Life Insurance License?

This is the type of license required to sell funeral and burial insurance.

Who Needs to Carry a Life Insurance License?

People who work in the funeral home industry and hold a life insurance license have the distinct advantage of being able to offer funeral and burial insurance (also called “pre-need and final expense insurance”) to their clients.

Funeral home clients who are proactively planning their final expenses often appreciate having the option of purchasing this valuable insurance on-site, rather than having to seek out a life insurance agent elsewhere.

What Types of Policies Do Life Insurance Agents Sell?

• Funeral and burial insurance (also called pre-need or final expense insurance)
• Life insurance
• Annuities

Requirements for a Life Insurance License

• Research current state requirements: Every state has its own standards. You must obtain a separate Life insurance license from each state where you will conduct business.
• Pass the state insurance exam: You will have to take a multiple-choice examination—expect to get about 100 to 150 questions—and earn a passing score.
• Get fingerprinted: Usually there is a place at the exam center where you can provide your fingerprints for the record.
• Formally apply for your license: If you pass your exam, you can fill out the application for a life insurance license. It usually takes a couple weeks to receive it.
• Take continuing education courses: In many states, you are required to take a continuing education class every two years or so in order to keep your skills and knowledge current.

What Do You Have to Do to Maintain a Valid License?

You will be expected to follow your state’s Codes of Conduct while carrying out your professional duties.

How Frequently Must I Renew It?

As always, the renewal period depends on state law. Often, you will be asked to renew your license every two years to keep it valid.

How Do I Study for the Life Insurance License Exam?

Our comprehensive Life Pre-Licensing course is the first step in obtaining your life insurance license. The course is based off the Pearson VUE national content outline and will help you pass your exam the first time. Our course includes:

• 13+ hours of video lectures, accessible 24/7
• 350+ test questions
• Printed National Textbook (a PDF file is also available for download at no extra charge)

Your subscription is available for 45 days, with more time as needed at no additional charge—just call us to extend your subscription. Sign up today for our Life Pre-Licensing course and be on your way to becoming a licensed life insurance agent! Choose your state to get started.

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FAQs

What is funeral and burial insurance?

Funeral and burial insurance covers the expenses associated with a person’s funeral and burial after they pass away. It’s also called “pre-need and final expense insurance” or sometimes just “final expense insurance.”

Funeral insurance policies typically pay out a lump sum to the policyholder’s beneficiaries upon the death of the insured person. The insurance can be used to cover costs such as caskets, funeral services, cemetery plots, headstones, and other related expenses.

By easing the financial burden of costs related to funeral and burial services, funeral and burial insurance gives loved ones peace of mind during a difficult time.

Do funeral home employees need a license to sell funeral and burial insurance?

Agents who sell funeral and burial (“pre-need”) insurance are sometimes called “final expense agents.” Only licensed insurance agents can sell funeral and burial insurance. If you are a funeral home employee, you must obtain a life insurance license to sell this type of coverage.

How do I get a life insurance license?

To get your life insurance license, you must pass a state licensing exam, and you must have a life insurance license to sell a funeral home insurance policy. The exams are challenging and contain information that is not necessarily common knowledge, even for those who work in the funeral home business.

Give yourself the best chances of passing your insurance licensing exam on the first try by enrolling in an exam prep course with America’s Professor (note: your state may require pre-licensing education).

How much do funeral and burial insurance agents make?

As of April 2024, the national average annual salary for Pre-Need Funeral Sales Agents was $75,210, according to data from Zip Recruiter. The top 10 cities where agents earned the highest salaries are as follows:

Sources:

https://www.ziprecruiter.com/Salaries/Pre-Need-Funeral-Sales-Salary