Final Expense Brokerage

Final Expense Brokerage Traditional Life, Final Expense, and Supplemental Health Insurance for Independent Insurance Agents.

Let’s build your book of business together - with the tools, training, and commissions you deserve.

05/06/2026

If you’ve been in final expense 2–3 years and still feel inconsistent…

It’s probably not your leads.

I’ve seen this play out since 1997 at Final Expense Brokerage.

An agent says:
“I just need better leads.”

Then I ask:
Where are you placing a diabetic on insulin?
Which carrier are you going to if they’ve had a stroke 2 years ago?
How do you handle “I need to think about it”?

That’s usually where it breaks down.

Because at this stage, you shouldn’t be: Guessing on underwriting, hesitating mid-call, and waiting until the end to handle objections.

You should already know: Where the risk goes, what the premium will look like, how the conversation is going to flow.

More leads won’t fix hesitation.

A better process will.
-Robert Swanson, CEO of Final Expense Brokerage

03/16/2026

Mutual of Omaha is one of the most recognized and trusted names in the insurance industry - and this Wednesday we’re hosting a live training webinar to walk agents through their Simplified Issue product lineup.

If you’re looking to write more life insurance business with streamlined underwriting and faster approvals, this is a great opportunity to get familiar with their Express portfolio.

During the webinar we’ll cover:

• Living Promise® Final Expense
• Term Life Express® (10, 15, 20, and 30 year options)
• Indexed Universal Life Express®
• Children’s Whole Life
• Submitting business through the iGO e-App with automated underwriting
• Live Q&A

📅 Wednesday, March 18th
⏰ 10:00–11:00 AM CST

Whether you’re new to Mutual of Omaha or looking to better understand their simplified issue products, this session will give you the tools you need to confidently write business.

If you're interested in joining us, send me a message and I’ll get you registered.

03/10/2026

The Final Expense industry doesn’t stay still.

Underwriting evolves.
Technology changes how agents reach families.
Sales models continue to expand as more agents adopt remote and hybrid approaches.

Final Expense Brokerage has grown alongside these changes by staying closely connected to the agents in the field and the families they serve.

Strong carrier partnerships.
Competitive opportunities for agents.
A culture rooted in integrity and doing right by the client.

These principles have guided our growth and continue to shape how we support agents across the country.

The industry will keep evolving, and we’re committed to evolving with it.

If you’re an agent looking for a strong partner in the Final Expense space, we’d welcome the conversation.

02/17/2026

The insurance industry has changed a lot since 1997.

We’ve seen the shifts in underwriting.
The rise (and fall) of carriers.
The lead booms. The lead crashes.

Final Expense Brokerage has been here through all of it, and that experience matters.

Why agents across the country choose to work with us:
• Non-captive contracts
• High, competitive commissions
• 2 free quoting tools (FEX Quotes & CSG Quoting Tool)
• Money toward leads through our Lead Co-op
• Monthly educational webinars with our carrier partners
• Access to top-rated carriers nationwide
• Support for non-resident licensing across multiple states
• Real case design help when you need it

We’re not just another IMO.
We’re an established brokerage built for independent agents who want flexibility, resources, and long-term growth.

If you’re serious about scaling your life insurance business, it might be time for a different kind of partnership.

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02/11/2026

Carriers don’t have an underwriting problem. Agents don’t have a sales problem. We have a translation problem.

Underwriting guidelines are built on risk models, data, and mortality assumptions.

Field conversations are built on human behavior, incomplete disclosures, medications, emotions, and nuance.

Both sides are operating logically.

Both sides are often frustrated.

Agents wonder why a case that “looked fine” falls apart.

Underwriters wonder why applications rarely tell the full story.

The disconnect isn’t incompetence.

It’s perspective.

Agents live in the gray areas.

Underwriters live in the probabilities.

Yet meaningful dialogue between the two is surprisingly rare, especially in high-volume business.

Curious to hear honest perspectives:
Agents - where do guidelines feel most disconnected from field reality?

Underwriters / carrier partners - what field assumptions create the most risk blind spots?

Some of the most important industry improvements won’t come from new products or tech…
…but from better translation between the people evaluating risk and the people sitting at kitchen tables.

02/04/2026

Here's what I've noticed as a life insurance IMO owner of 29 years:

• Agents chasing the highest comp and advancing struggle with chargebacks and persistency
• Agents who put emphasis on product fit and underwriting rather than quick a quick close may be writing less, but keeping more
• Independence matters, but structure matters more
• The agents succeeding long-term are treating this like a solution to a problem, not a way to simply "make bank"

Here’s the advice I give every newly contracted agent: “If you can’t explain why this policy should stay on the books for 12 months, you shouldn’t write it.”

If a policy doesn’t hold for 12 months, where do you think the breakdown usually happens?
-Robert Swanson, CEO of FEB

02/02/2026

Life insurance agents 👇

We’re hosting a 30-minute webinar with Pan-American Life Insurance Group tomorrow, focused on a Whole Life + Term strategy that’s helping agents stay competitive.

📅 Tomorrow - Tuesday, February 3rd, 2026
⏰ 1:00–1:30 PM EST

We’ll cover:
• Competitive compensation
• Ultra-competitive Whole Life paired with Term
• Free living benefit riders
• Strong home office case design support
• Available in all states except NY
• A.M. Best–rated carrier

If you’d like to join, comment below or send us a message and we’ll get you the details.

01/15/2026

A note on commissions in the Final Expense business.

When a Final Expense policy is sold, agents are typically paid either in advance or as-earned. One front-loads cash. The other spreads it over time.

What matters is how that choice shows up after production slows. In Final Expense, the consequences tend to surface between months four and nine.

Experienced agents know this window exposes habits: follow-up, cash discipline, and how seriously persistency is treated once the sale is behind them. The structure doesn’t create problems; it reveals them.

I’ve been in this industry since the 90s.

Longevity in Final Expense is built in the months after the application, not the day it’s written.

01/13/2026

Chargebacks are part of the Final Expense business.

What matters is whether you’re prepared for them.

Every FE agent should have:
• A reserve mindset
• A persistency process
• A clear plan for lapses

One simple rule I’ve seen work in Final Expense:
Set aside 10–15% of commissions for the first 6–9 months of a policy.

Worth keeping in mind: advance pay typically calls for a higher reserve early.

I’ve been in this industry since the 90s.

Agents who stay in business treat FE commissions like business revenue... not personal income.

01/06/2026

I’ve been in this business since the '90s.

I’ve seen hot markets, cold markets, regulation shifts, carrier changes, and every “new way” to sell insurance come and go.

What hasn’t changed is this:
The agents who last are the ones who treat this like a profession, not a trend.

A new year doesn’t require a new personality or a new gimmick.
It requires discipline, follow-through, and choosing the right partners.

At Final Expense Brokerage, we’ve built this company around stability, structure, and doing things the right way—even when it isn’t popular.

If you’re planning for the long run, this year is just another step forward. Reach out to me to learn how we can help you grow your business in 2026.

— Rob, CEO of Final Expense Brokerage

Our office will be closed through January 5th for the holidays.We want to sincerely thank our agents for your continued ...
12/19/2025

Our office will be closed through January 5th for the holidays.

We want to sincerely thank our agents for your continued business, loyalty, and support. We are truly grateful for the partnerships we’ve built!

Wishing you and your loved ones a Merry Christmas and a Happy New Year 🎄 We look forward to serving you in the new year 💫

Address

116 7th Street NW Suite 103
North Canton, OH
44720

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 2pm

Telephone

+13304463133

Website

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