Pharma and Med Device Reps: Final Expense Is the Consultative Close You Already Do — Remote, 1099

Pharma and med device reps already know how to hold a consultative conversation and close without pressure. Final expense insurance is 100% remote, commission-based 1099 work — and it rewards exactly that skill set.

What you'll actually do

• Work inbound leads from people who've already requested coverage information
• Schedule remote appointments and run the full conversation from your home office
• Ask the right questions first — understand each client's situation before showing a single plan
• Walk clients through final expense options and complete the application together on the call
• Stay with each file through underwriting until coverage is issued

Who this is a fit for

• Pharma or med device reps who run consultative calls and know how to read a room over the phone
• People who can manage their own pipeline without a district manager watching every move
• Reps leaving territory-based roles who are done living out of a rental car
• Those already holding a life insurance license — or ready to sit for one before their first sale
• Anyone who's lived on variable comp and isn't looking for a salary to fall back on

What we provide

• Inbound leads — clients have already raised their hand before you call
• Fully remote setup — work from wherever you have a reliable connection and a quiet space

The honest part

Your 1099 earnings here are commission-based — no base pay, no territory allowance, nothing guaranteed. If you've built your budget around a W-2 and aren't ready to leave that floor behind, this structure won't work for you. If it fits, reach out and let's talk about what the role actually looks like day to day.