What I can suggest to seniors is that they look into becoming a Final Expense life insurance salesperson. If you are good at basic math, like people or care about people, this might be the perfect job for you. You could earn more money than you thought you would ever make. It is an easy job. Some agents even sell over the phone.

There is a license required from the Insurance Commissioner in your state. Because you are only selling Final Expense/Whole Life policies, some states are issuing licenses just by your paying a fee. If an exam is required, there is training at a low cost and many brokers are picking up the cost of the license and the training, if any.

As an Insurance Agent, you are an independent contractor, and thus in your own business. Unless the brokerage you affiliate yourself with is very strict, you work when you want to work. It's a very easy job. What you are doing is visiting people in their homes or calling them on the phone, explaining that you can provide them with the policy they are seeking and letting them know how much it will cost. Then you complete the application and you're done. Usually seniors like to talk. So, when you go to their homes, try to allow some time to sit and chat. Remember, you could be earning as much as $1,200 an hour, or more.

If you are not apprehensive about going to a stranger's door, outside insurance sales is a very good field to be in. If you don't mind calling over the phone, many companies are changing their policies to let agents simply call people. Don't try to rush seniors off the phone. It's a good way to lose customers.

There is the problem of getting leads. Leads can be very costly. Without leads, you may not have anyone to sell to. Try to get with a company that helps with lead costs.

If you get along well with others, are good at basic math, and have transportation, this is a good thing to transition to. If you don't have transportation, find a position that will allow you to sell over the phone.

There are other types of insurance jobs, especially health insurance, that provide leads, you can work in the company's office, have benefits and the whole nine yards. If you want one of those types of jobs, you will need a full license with an exam. That costs more than the license to sell final expense. Insurance is not going away and if that brokerage releases you from your contract, there are plenty more brokers that would like to have you.

After nearly 30 years in the business, I want to do something else. I'm looking to working online. But it's not so easy to understand the ends and outs of working online. I may go back to selling Life Insurance.

Look at some of the insurance jobs on Jobcase. There are people working in the insurance business at 95 years old. The only problem you might have is with call center jobs. But why work in a call center when you can set your own hours -- unless you think you must have a structured routine with bosses standing over you.

Beverly signing out

#ageism