Final expense insurance: Be independent throughout your life

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You may have been independent all your life and in the future too would like to take care of your needs. Sudden death in the family can leave everyone perturbed. No one is usually prepared for such an incident. A final expenses insurance may be of help in times of need.

Final expenses insurance covers the cost of burial and other unexpected expenditures. In the event of death of a loved one, you may not always be prepared financially to bear the expenses associated with the incident. If you have invested in final expenses insurance, you can take care of the final costs as your loved ones had wished.

What are the benefits offered by final expenses insurance?

A typical final expenses insurance offers fixed premiums throughout the life of the policy.
  • Simplified underwriting: There are no hassles when buying final expenses insurance as the underwriting process is simple and you will have no difficulty understanding.
  • Easy qualification: The qualifying age in this insurance is 0 to 85 years.

With final expenses insurance may include:
  • Expenses related to medical purposes,
  • Your mortgage bills
  • Any auto insurance loan that you may have
  • Coverage for your credit card bills
  • House rent
  • Funeral expenses
  • Cemetery Plot
  • Hearse
  • Minister
  • Legal fees

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PostPosted: Thu Dec 18, 2008 5:50 pm   Post subject: Final expense insurance: Be independent throughout your life  

need some good info on selling final expense by phone . Are there final expense insurance companies that have an electronic form for agents that don't charge an arm and a leg for the final expense leads ? Please tell how to sell final expense insurance in a cost effective manner.

freshmoor39
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PostPosted: Fri Dec 19, 2008 5:01 am   Post subject: sell final expense over the phone  

"Hello" and welcome to the forum. I would like to find out MORE about FE, myself. Confused I'm not an 'expert' on how to sell final expense insurance , but..we DO have a lot of good people, who will be along shortly, to help you. Just wanted you to know your post wasn't ignored.

sdchargersfan
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PostPosted: Fri Dec 19, 2008 10:22 am   Post subject: sell final expense over the phone  

What kind of information are you searching? Why do you want to purchase final expense leads online? Do you really wanna go for selling final expense by phone ?



I know its booming business but there are also many fake sites available too. Most often the lead selling sites forward a single lead to all its listed agents. Hence, you may not receive authentic exclusive links from these sites even when you are paying the price for it.

simon
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PostPosted: Fri Dec 19, 2008 11:45 am   Post subject: sell final expense over the phone  

Answering how to sell final expense insurance is not anybody's cup of tea. In my opinion, you could go for outsourcing final expense insurance companies which specializes in selling final expense by phone (even the good ones out side the U.S.). You'd just need to check out their final expense leads conversion rates as compared to the contemporary tele-sellers across the U.S. Also, make sure of the probable taxation changes and updates on outsourcing.


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PostPosted: Sat Dec 20, 2008 10:11 am   Post subject: sell final expense over the phone  

Hi..



I'd rather tell that most of these agents today know that nothing comes good for free..agents know that they can't really deal with selling final expense by phone if they are operating for free.

Data security is also one major factor that hits final expense insurance companies so hard if they are operating for free...so most of the good agents won't like to work for low!

Purpleheaded08


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PostPosted: Wed Dec 31, 2008 10:07 am   Post subject: Final Expense Leads  

Hello everyone, if you would like more information on selling final expense by phone , you should take a look at Qualified Final Expense Preset Appointments (please visit yourleadsnetwork.com)



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yourleadsnetwork
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PostPosted: Wed Dec 31, 2008 11:18 am   Post subject: final expense insurance companies  

Just putting my '2 cents' in again. I'm still trying to decide if it's best for me to have Life Insurance or just Final Expense. Trying to weigh the 'pros' and 'cons' about both.

sdchargersfan
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PostPosted: Wed Dec 31, 2008 12:08 pm   Post subject: final expense telesales  

IMO there is no question sd...life policy rather than the other (or both)...final expense policy covers that only...(nothing left over for your boy)...a life policy you can use the proceeds to pay for your funeral and have money left over...I'm not a fan of 'final expense policys'



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PostPosted: Wed Dec 31, 2008 2:15 pm   Post subject: Final Expense by Phone  

Selling final expense leads by phone from home is a tremendous way to go! We have lots of agents making a GREAT income just working 3 days a week and a few hours in those days.



Think about it.. you can contact 4 to 5 times as many people in a given time as opposed to driving to their houses. You can mail to the parts of the country that are currently bringing in 5 - 8% response instead of 1% response in most saturated areas with many agents.



Lead costs? You're ALWAYS better to go on your own here (we have a discount with a major mail house that handles it all.) This way there is no middleman making money from selling you overpriced (and resold) leads.



See more at: (site removed by moderator--Chris you can link to your site in your signature if you want, or you can post something in the pub 'pitching your wares' but not in thread--ok?)


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PostPosted: Thu Jan 01, 2009 5:04 am   Post subject: sell final expense over the phone  

Although I still do most FE appointments face to face, many of the carriers I have are bringing portals online. This is how I primarily sell health insurance and so far it has been working out well for me.



As far as free final expense leads are concerned there is no such thing. Either you will be getting something that has been worked over or you will get a lower percentage commission.



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PostPosted: Fri Jan 02, 2009 11:44 pm   Post subject: final expense telesales  

Yep.. today many people are searching how to sell final expense insurance . There are now portals for selling simplified life (like Final Expense) by phone, the problem is that those online portals (like Assurity's) require a digital signature to be obtained by corresponding with your client by e-mail.



99.95% of our senior clients do not have e-mail. Final Expense, then, by telephone is best achieved by sending the still-suspicious senior a paper application that they can see, touch, and feel. This is far greater than a 100% telephonic enrollment (Balt Life/Shen) because it stays on the books when the senior feels safer about their purchase.



Having investigated all of the enrollment options, obtaining a "wet" signature through the mail after a telephone close is definitely best. It takes more time, but it's most in line with the "old fashioned" way of doing business that seniors really appreciate.


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PostPosted: Sun Jan 04, 2009 7:46 am   Post subject: final expense telesales  

My Agency Offers the Leads and The System no Wet signature required.


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PostPosted: Mon Jan 05, 2009 1:27 am   Post subject: final expense telesales  

Baltimore Life and Loyal American have tele sales for FE.

LiveLeads360
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PostPosted: Mon Jan 05, 2009 4:22 am   Post subject: final expense by phone  

Hi all,



We might call this 'paper-application' an 'old-fashioned' way of doing business but we'd need to know why we feel its better!



Either emails would go unnoticed or the 'feel good' factor is not associated with them. That's the reason number of approaches are less as its time consuming but the conversion rate for final expense leads is certainly more.



Thanks, Purpleheaded08


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PostPosted: Mon Jan 05, 2009 5:32 am   Post subject:   

Hello,



I'm a national Marketing Director for the Great American Group of Insurance companies. Our final expense product can be sold over the phone in every state with an exception of two or three. Being an NMO, we are also able to offer very high commissions on FE - minimum 117.5% starting off. We also provide leads to new contracts.



If interested, get in touch with me kpatel[at]seniormarketdirect.com


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