All Posts By David Duford
David Duford specializes in recruiting and training new and experienced insurance agents to become top producers utilizing proven sales and marketing systems in Final Expense, Annuities, Mortgage Protection, Medicare Supplement, or Medicare Advantage. He is the author of 3 best-selling insurance sales training books - The Official Guide To Selling Final Expense Insurance, Interviews With Top Producing Insurance Agents, and The Official Guide To Selling Insurance For New Agents. He has sold insurance since 2011, recruited more than 1,000 agents since 2013, and has helped develop many of them into six-figure income earners.

The Ultimate Guide To Selling Mortgage Protection Insurance

Learn how to sell mortgage protection life insurance.

Are you looking selling mortgage protection insurance? read more

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A Top Producer’s 4-Part Final Expense Sales Presentation

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The TRUTH About Final Expense Facebook Leads!

How Final Expense Facebook Leads Work

Thinking about trying out Facebook final expense leads?

Wondering if final expense leads generated on Facebook are worth the hype? read more

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Terms And Conditions

TERMS AND CONDITIONS

—-

OVERVIEW

This website (the “Site”) is operated by Final Expense Agent Mentor, LLC, a Tennessee limited liability company. -Throughout the website, the terms “we”, “us” and “our” refer to Final Expense Agent Mentor.  Final Expense Agent Mentor offers this Site, including all information, tools and services available from on it to you, the user (the “User”), conditioned upon your acceptance of all terms, conditions, policies and notices stated here.

The following terms and conditions (“Terms and Conditions”) govern your use of this Site, and by accessing, viewing, using the material on the Site, or purchasing any product or service (the “Services”) from it you indicate that you understand and intend these Terms and Conditions to be the legal equivalent of a signed, written contract, and equally binding, and that you accept such Terms and Conditions and agree to be legally bound by them, including any additional terms and conditions and policies referenced herein and/or available by hyperlink.  These Terms and Conditions apply to all Users of the Site, including without limitation Users who are browsers, vendors, customers, merchants, and/or contributors of content.  If you do not agree with the Terms and Conditions Service by clicking on the “Agree” button below, you are not granted permission to use the Site and should exit immediately.

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY AND ACKNOWLEDGE THAT YOU AGREE TO THEM PRIOR TO ACCESSING OR USING OUR SITE.

Any new features or tools which are added to the current Site shall also be subject to the Terms and Conditions.  You can review the most current version of the Terms and Conditions at any time on this Site.  We reserve the right to update, change or replace any part of these Terms and Conditions by posting updates and/or changes to our Site.  It is your responsibility to check this page periodically for changes.  Your continued use of or access to the Site following the posting of any changes constitutes acceptance of those changes.

SECTION 1 – PROPRIETARY RIGHTS.

All material contained in this Site is protected by law, including but not limited to, United States copyright law.  Except as indicated, Final Expense Agent Mentor is the owner of the copyright in the entire content (including images, text and look and feel attributes) of the Site, except in the case where such intellectual property belongs to Shopify, Inc.  Removing or altering the copyright notice on any material on the Site is prohibited.   Final Expense Agent Mentor also owns a copyright in this Site as a collective work and/or compilation, and in the selection, coordination, arrangement, organization and enhancement of Site content.  Except as indicated, Final Expense Agent Mentor owns all trademarks, service marks or other logos featured on the Site related to the Services.  Use or misuse of these trademarks, service mark or logos is expressly prohibited and may violate federal and state law. Please be advised that Final Expense Agent Mentor actively and aggressively enforces its intellectual property rights to the fullest extent of the law.

SECTION 2 – ONLINE STORE TERMS.

By agreeing to these Terms and Conditions, you represent that you are at least the age of majority in your state or province of residence.

You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the Services, violate any laws in your jurisdiction (including but not limited to copyright laws).

You must not transmit any worms or viruses or any code of a destructive nature.

A breach or violation of any of the Terms and Conditions will result in an immediate termination of any Services you receive from Final Expense Agent Mentor.

SECTION 3 – GENERAL CONDITIONS.

We reserve the right to refuse service to anyone for any reason at any time.

You understand that your content (not including credit card information), may be transferred unencrypted and involve: (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices.  Credit card information is always encrypted during transfer over networks.

You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Services or access to the Services or any contact on the Site through which the service is provided, without express written permission by us.

The headings used in these Terms and Conditions are included for convenience only and will not limit or otherwise affect the Terms and Conditions set forth herein.

SECTION 4 – ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION.

We are not responsible if information made available on this Site is not accurate, complete or current.  The material on this Site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or timelier sources of information.  Any reliance on the material on this Site is at your own risk.

This Site may contain certain historical information.  Historical information, necessarily, is not current and is provided for your reference only.  We reserve the right to modify the contents of this Site at any time, but we have no obligation to update any information on our Site.  You agree that it is your responsibility to monitor changes to our Site.

Nothing contained, expressed or implied in the Site is intended as nor shall be construed as medical advice.  No doctor-patient relationship is established between Final Expense Agent Mentor and you by reason of your use of this Site or under any circumstances whatsoever.  Individual inquiries about medical issues, or sensitive or confidential matters should be addressed to appropriate health care professionals.

Nothing contained, expressed, or implied in this Site is intended as, nor shall be construed or understood as, legal advice, guidance, or interpretation.  No attorney-client relationship is established between Final Expense Agent Mentor and you by reason of your use of this Site or under any circumstances whatever. The information in this Site if for general informational purposes only.  If you have questions about any law, statute, regulation, or requirement expressly or implicitly referenced in this Site, you should contact your own legal counsel.

SECTION 5 – MODIFICATIONS TO THE SERVICE AND PRICES.

Prices for our Services are subject to change without notice.

We reserve the right at any time to modify or discontinue any service (or any part or content thereof) without notice at any time.

We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of any service.

SECTION 6 – SERVICES (if applicable).

I agree to the Terms and Conditions and understand that Final Expense Agent Mentor does not guarantee lead returns. A lead is an opportunity to sell a product and is not a guaranteed sale. I understand once an order has been mailed Final Expense Agent Mentor will not refund any money.

We have made every effort to display as accurately as possible the colors and images of our products that appear at the store.  We cannot guarantee that your computer monitor’s display of any color will be accurate.

We reserve the right, but are not obligated, to limit the sales of our Services to any person, geographic region or jurisdiction.  We may exercise this right on a case-by-case basis.  We reserve the right to limit the quantities of any products or services that we offer.  All descriptions of products or product pricing are subject to change at any time without notice, at the sole discretion of Final Expense Agent Mentor.  We reserve the right to discontinue any product at any time.  Any offer for any service made on this Site is void where prohibited.

We do not warrant that the quality of any products, services, information, or other material purchased or obtained by you will meet your expectations, or that any errors in any service will be corrected.

SECTION 7 – ACCURACY OF BILLING AND ACCOUNT INFORMATION.

We reserve the right to refuse any order you place with Final Expense Agent Mentor.  We may, in our sole discretion, limit or cancel quantities purchased per person, per household or per order.  These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address.  In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the e-mail and/or billing address/phone number provided at the time the order was made.  We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers or distributors.

You agree to provide current, complete and accurate purchase and account information for all purchases made at our store.  You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed.

SECTION 8 – OPTIONAL TOOLS.

We may provide you with access to third-party tools over which we neither monitor nor have any control nor input.

You acknowledge and agree that we provide access to such tools “as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement.  We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.

Any use by you of optional tools offered through the Site is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s).

We may also, in the future, offer new services and/or features through the Site (including, the release of new tools and resources).  Such new features and/or services shall also be subject to these Terms and Conditions.

SECTION 9 – THIRD-PARTY LINKS.

Certain content, products and services available via any of our services may include materials from third-parties.

Third-party links on this Site may direct you to third-party websites that are not affiliated with us.  We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third-parties.

We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites.  Please review carefully the third-party’s policies and practices and make sure you understand them before you engage in any transaction.  Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.

SECTION 10 – USER COMMENTS, FEEDBACK AND OTHER SUBMISSIONS.

If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, ‘comments’), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us.  We are and shall be under no obligation: (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments.

We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms and Conditions.

You agree that your comments will not violate any rights of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website.  You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any comments.  You are solely responsible for any comments you make and their accuracy.  We take no responsibility and assume no liability for any comments posted by you or any third-party.

SECTION 11 – PERSONAL INFORMATION.

Your submission of personal information through the Site is governed by our Privacy Policy.  To view our Privacy Policy clink on the hyperlink.

SECTION 12 – ERRORS, INACCURACIES AND OMISSIONS.

Occasionally there may be information on our Site or in any service offered through it that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times and availability.  We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information in any service or on any related website is inaccurate at any time without prior notice (including after you have submitted your order).

We undertake no obligation to update, amend or clarify information in any service or on any related website, including without limitation, pricing information, except as required by law.  No specified update or refresh date applied in the Services or on any related website, should be taken to indicate that all information in any service or on any related website has been modified or updated.

SECTION 13 – PROHIBITED USES.

In addition to other prohibitions as set forth in the Terms and Conditions, you are prohibited from using the Site or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of any service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of any service or any related website, other websites, or the Internet.  We reserve the right to terminate your use of any service or any related website for violating any of the prohibited uses.

SECTION 14 – DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY.

USE OF THIS SITE AND ANY OF THE SERVICES OR THE INABILITY TO USE SUCH SERVICES IS ENTIRELY AT YOUR OWN RISK.  NEITHER Final Expense Agent Mentor NOR ITS AFFILIATES ARE RESPONSIBLE FOR THE CONSEQUENCES OF RELIANCE ON ANY INFORMATION CONTAINED IN OR SUBMITTED TO THE SITE, AND THE RISK OF INJURY FROM THE FOREGOING RESTS ENTIRELY WITH YOU. THESE MATERIALS ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.  Final Expense Agent Mentor SHALL NOT BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOST REVENUES OR LOST PROFITS, WHICH MAY RESULT FROM THE USE OF, ACCESS TO, OR INABILITY TO USE THESE MATERIALS.

IN NO CASE SHALL Final Expense Agent Mentor, ITS MEMBERS, DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS, CONTRACTORS, INTERNS, SUPPLIERS, VENDORS, SERVICE PROVIDERS OR LICENSORS BE LIABLE FOR ANY INJURY, LOSS, CLAIM, OR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, SPECIAL OR CONSEQUENTIAL DAMAGES OF ANY KIND, INCLUDING, WITHOUT LIMITATION LOST PROFITS, LOST REVENUE, LOST SAVINGS, LOSS OF DATA, REPLACEMENT COSTS, OR ANY SIMILAR DAMAGES, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR OTHERWISE, ARISING FROM YOUR USE OF THE SERVICES, OR FOR ANY OTHER CLAIM RELATED IN ANY WAY TO YOUR USE OF THE SERVICES, INCLUDING BUT NOT LIMITED TO, ANY ERRORS OR OMISSIONS IN ANY CONTENT (OR SERVICES) POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES, EVEN IF ADVISED OF THEIR POSSIBILITY.  BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, OUR LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

WE DO NOT GUARANTEE, REPRESENT OR WARRANT THAT YOUR USE OF OUR SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE.

WE DO WARRANT THAT RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE.

YOU AGREE THAT FROM TIME TO TIME WE MAY REMOVE THE SERVICES FOR INDEFINITE PERIODS OF TIME OR CANCEL THE SERVICES ANY TIME, WITHOUT NOTICE TO YOU.

SECTION 15 – INDEMNIFICATION.

You agree to indemnify, defend and hold harmless Final Expense Agent Mentor, its subsidiaries, affiliates, partners, members, directors, officers, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your use of the Site or breach of these Terms and Conditions or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.

SECTION 16 – SEVERABILITY.

In the event that any provision of these Terms and Conditions is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms and Conditions, such determination shall not affect the validity and enforceability of any other remaining provisions.

SECTION 17 – TERMINATION.

The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of these Terms and Conditions for all purposes.

These Terms and Conditions are effective unless and until terminated by either you or us.  You may terminate these Terms and Conditions at any time by notifying us that you no longer wish to use our Services, or when you cease using our Site.

If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms and Conditions, we also may terminate this any agreement with you at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our Services (or any part thereof).

SECTION 18 – ENTIRE AGREEMENT.

The failure of us to exercise or enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision.

These Terms and Conditions and any policies or operating rules posted by us on this Site or in respect to the Services constitutes the entire agreement and understanding between you and us and govern your use of the Services, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service).

Any ambiguities in the interpretation of these Terms and Conditions shall not be construed against the drafting party.

SECTION 19 – GOVERNING LAW.

These Terms and Conditions and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of the State of Idaho, without reference to its choice of law rules.  By accessing, viewing, using the material or purchasing Services on the Site, you consent to the jurisdiction of the federal and state courts presiding in Boise, Idaho, and agree to accept service of process and hereby waive any and all jurisdictional and venue defenses otherwise available.

SECTION 20 – CHANGES TO TERMS AND CONDITIONS.

You can review the most current version of the Terms of Service at any time at this page.  The Terms and Conditions may also be printed out for your records.

We reserve the right, at our sole discretion, to update, change or replace any part of these Terms and Conditions by posting updates and changes to our Site.  It is your responsibility to check our Site periodically for changes.  Your continued use of or access to our Site or the Services following the posting of any changes to these Terms of Service constitutes acceptance of those changes.

SECTION 21 – CONTACT INFORMATION.

Questions about the Terms and Conditions should be sent to us at [email protected].

SECTION 22 –  DIGITAL MILLENNIUM COPYRIGHT ACT (“DMCA”) NOTICE.

Final Expense Agent Mentor is committed to complying with copyright and related laws, and requires all users of the Site to comply with these laws.  You may not store, post, modify, distribute, reproduce in any way, use or disseminate any material or content through the Site in any manner that constitutes an infringement of third party intellectual property rights, including rights granted by copyright law.

Owners of copyrighted works who believe that their rights under copyright law have been infringed may take advantage of certain provisions of the Digital Millennium Copyright Act of 1998 (the “DMCA”) to report alleged infringements.  Final Expense Agent Mentor does not, and will not, make any legal decisions about the validity of your claim of infringement or the possible defenses to a claim.  Upon our receipt of a proper notice of claimed infringement under the DMCA, we will respond expeditiously to remove, or disable access to, the material claimed to be infringing and will follow the procedures specified in the DMCA to resolve the claim between the notifying party and the alleged infringer who provided the content in issue.   Final Expense Agent Mentor may contact the notice provider to request additional information.  Final Expense Agent Mentor reserves the right to disregard a notice that is not in compliance with the DMCA.  Under the DMCA, Final Expense Agent Mentor is required to take reasonable steps to notify the user who posted the allegedly infringing content.  If you believe in good faith that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send us a counter-notice.  Notices and counter-notices must meet the then-current statutory requirements imposed by the DMCA.  Notices and counter-notices with respect to the Site should be sent to the address below.

If you are uncertain whether particular material infringes a copyright held by you or a third party, you should contact an attorney.  Anyone making a false or fraudulent notice or counter-notice may be liable for damages under the DMCA, including costs and attorney’s’ fees.

To be effective, your notification of claimed infringement must be in writing, sent to our designated agent listed below and contain the following information:

  1. An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;
  2. A description of the copyrighted work or other intellectual property that you claim has been infringed;
  3. A description of where the material that you claim is infringing is located to permit us to locate the material;
  4. Your contact information, including your name, address, telephone number, and email address;
  5. A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright or intellectual property owner, its agent, or the law; and
  6. A statement by you, made under penalty of perjury, that the information contained in your report is accurate and that you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner’s behalf.

Final Expense Agent Mentor designated agent for notice of claims of copyright infringement can be reached as follows:

By E-Mail: [email protected].

 

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Best Final Expense FMO: How To Find The Perfect Agency

Discover how to find the best final expense imo.

Most likely you’re here today because you’re looking for the best final expense FMO to partner with.

Maybe you are currently selling final expense, and interested in changing your final expense IMO or agency relationship. read more

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Benefit Information For Tennessee Citizens Only

Benefit Information For Tennessee Citizens Only

You may qualify for a state-regulated program to pay for your final expenses. It is important you know how to qualify for this life insurance benefit available to you. This benefit will pay for 100% of all funeral expenses up to $35,000. This payment is tax free for Tennessee residents. You are entitled to receive no-cost information as a resident of Tennessee. IMPORTANT – Return this postage paid card within 5 days.

You or one of your senior parents may have received one of these post cards in the mail. It’s not a scam. It may have come from one of many outreach programs this site and many others like it use to reach senior citizens here in the great State of Tennessee that need state regulated final expense life insurance programs and burial plans.

Many seniors that receive these cards do not have a dedicated amount of money that can be used to pay for their funeral or final expenses. It’s possible they’ve recently checked into the pricing on what they currently have and want to see if they can find more benefits than what they currently have in place. Or they might want to leave behind a legacy like income for a surviving spouse, money for grandkids, or to a charitable organization or church.

These programs have the following guarantees

1. First Day Coverage. You are fully protected the very first day your coverage goes into effect with no exclusions and no waiting period.
2. Ease of issue. No physical exams.
3. Your premiums will never go up. Lock into a rate at your current age and the cost will never increase regardless of changes to your health and age.
4. You benefits will never go down. Regardless of changes to your health and age.
5. All programs build cash values.
6. The benefit is paid to your beneficiary tax free on the worst week of their life.
7. Your policy can never be cancelled as long as premium payments are made.
8. This is a protected asset that you will never be forced to liquidate.

Seniors looking for state regulated final expense life insurance and burial plans often have medical impairments and conditions that may raise the cost of these benefits. There’s a lot of work to keep track of these medical impairments and conditions and knowing where the sweet spots are to find seniors the most death benefits for the amount of money spent.

Helping Seniors Watch Increase Their Death Benefits from Mail-order Plans

When we sit down and look at the life insurance policies seniors have in place, most are shocked to find their payments go up and their coverage expires when they need it most. Many seniors are placed on modified plans with a 2 year waiting period before their family would be eligible to receive a full death benefit, even when their health clearly qualifies them for first day coverage.

As a general rule, any policy bought through the mail or sold directly to the consumer has gimmicks built inside the fine print. We review these policies with seniors and show them how they can increase the amount of death benefits for the same amount of money spent. In most cases this review results in finding an increase in death benefits.
Here’s a review of some common offers that we hear about as we visit seniors and go through the information companies send out.
We typically see mail-order life insurance products from:

New York Life – AARP

Globe Life

Stonebridge Life Insurance

AARP Life Insurance Program

Group whole and term life coverage plans for AARP members to help protect your loved ones.

AARP selected New York Life Insurance Company to develop a group life insurance program specifically designed to help AARP members protect their families. The program offers whole and term life insurance coverage that feature affordable premiums and valuable benefits designed for people age 50 and older. Coverage is available in a wide range of amounts—from $2,500 up to $100,000.

AARP members age 50-80 and their spouses age 45-80 are eligible to apply. No medical exam is required to qualify for coverage. For most products, acceptance is based on your health information. You can apply online or by mail in just minutes. And if you’re not already an AARP member, it’s easy to join and apply at the same time.
We find that many seniors have signed up for Life Insurance through the mail from AARP. There are a couple different types of plans. AARP sells for New York Life. This is the most popular mail order life insurance offer by far.

During a visit with seniors with this plan it’s good to review the policy and go through the contract. In some cases the owner of the policy thinks they own a whole-life policy, when the fine print describes something different. What they really have is a term life plan that raises their premium every 5 years. Their premiums increase when their age ends with a 0 or a 5. (when they turn 55, 60, 65, 70, etc.) The premiums will go up in the policy anniversary month not their birthday month. Some products offered by AARP ends when they reach their 80th birthday. In that case all the money they paid into the policy is lost.

If you have one of these policies where the price has gone up as you’ve reached one of these age bands, take a look at a modest final expense whole life policy that will provide permanent protection for your family with payments that never increase.

Globe Life

Globe Life sells an increasing premium term policy to age 90 directly to the public mainly through direct mail. The rates increase every time the insured has a birthday that ends with a 1 or a 6. In the case of a policy like this the coverage simply ends at age 90 with no cash value. All money paid into the policy is lost.
Smokers and non-smokers pay the same rates with this Globe plan.

It’s helpful to review the application and double check to make sure you medically qualify for 1st day coverage. Some policies like this do not accept individuals who were treated (including medicines) for any form of cancer, any disorder or disease of the heart or coronary artery disease, kidney disease, COPD, and some other described conditions going back 3-years from the application date. It’s helpful to review these applications to ensure you know the status of your coverage and when it ends.

Stonebridge (Direct to Consumer) Life Insurance

Stonebridge Life offers Guaranteed Issue policies sold by mail and telemarketers directly to consumers. They are two year ROP (return of premium) regardless of health. That means some people who are healthy enough to qualify for whole life coverage might have been sold a two-year graded policy. Without a review by an Independent Life Insurance Agent a consumer might not understand this feature. A review of the policies in force might reveal a chance to put a permanent policy in place for the same or at a better rate.

As a general rule, any policy bought through the mail sold directly to the consumer is risky for the consumer. It always helps to have a second set of eyes to help understand what a policy contract says so one can fully understand what kind of coverage is being purchased. Nothing’s worse than someone owning a policy only to find out it’s not the coverage they thought they had. Unfortunately in this case it’s the family and loved ones that get to endure this bad news.

This site and many others throughout the 54 states and territories are in place to help seniors get the most death benefits for the dollar spent. If you have questions about your or your senior parent life insurance policy fill out the quote engine and let us help.

About the Author.

Terry Biddle helps seniors get the most death benefits for their money in Virginia and Washington DC.

You can find out more about how to qualify for simplified issue whole life insurance and articles for various health conditions at http://www.lifepolicyshopper.com/category/benefit-information-for-virginia-citizens-only/

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Here’s Why Pre-Set Final Expense Appointments SUCK

Imagine a world where you wouldn’t have to buy final expense leads to set appointments and door knock them, and instead purchased pre-set final expense appointments.

You’d simply show up to people throwing their checkbook at you, ready to buy

Sounds great, right?

Too bad it doesn’t exist.

The truth is it doesn’t happen like that.

In final expense sales, we have to work HARD in order to make an income.

Pre Set Final Expense Appointments Are A Giant Waste Of Money

Why?

Because what they make money off of is just setting the pre set final expense appointments.

That doesn’t mean that the person’s going to keep the appointment. And then you show up and you don’t have a sale.

Hell, you don’t even have a presentation!

In fact, many times you’ll show up and they’ll say:

  • “Look Mr. Duford, you come to my door, I told the person on the phone I had insurance,” or,
  • “I told the person I’m going to be busy, call back another time.”

What To Do Instead

Instead of preset final expense appointments, what you want to do is buy actual final expense leads.

For example, I like the following final expense leads:

Also worth considering are final expense aged leads.

If you need help finding leads, if you’re questioning about which direct mail leads are the best or which avatar or telemarketing leads are the best, you’re welcome to leave a comment down here at the bottom.

I reply to every single comment I get in detail. I have a passion for helping people because a lot of people get screwed in this business the longer I recruit and the longer I train agents– it’s amazing.

So anything I can do to help build my treasure in heaven, as they say!

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Final Expense Telemarketing Leads – Get The TRUTH!

Are you selling final expense, and looking for new sources of final expense leads?

Today, I’m covering all the basic information on all-things final expense telemarketing leads.

This article is perfect for agents with zero final expense telemarketing lead generation experience, or for those looking for a new lead source.

My goal is to equip you with the knowledge necessary to understand the present state of final expense telemarketing, and what to expect (good and bad) using this lead source.

So… Let’s get started!
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Overview

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These Leads Suck

Today, I am on a mission of mercy!

Due to regulation shifts in telemarketing to residences, the vast majority of telemarketing final expense leads SUCK!

This wasn’t always my opinion.

Tightened regulatory changes has made most telemarketing ventures overpriced and low-quality.

So much so that I almost NEVER recommend them to anyone!

Allow me explain the 3 reasons why I detest final expense telemarketing leads, and why I almost recommend agents use them.
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No Technological Edge

Advances in marketing technology allowed both lower costs of doing business with higher-quality leads.

For a time, agents used robo-call telemarketing leads, press 1 telemarketed leads, and avatar final expense leads.

But all these technological advantages are presently gone.

Truth is, this has been a long time coming.
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Robo-calling

The first real high-quality telemarketing lead was robo-calling.

Robo-called leads were good final expense telemarketing leads.

They were less expensive to acquire because a recording, not a live person, spoke to the prospect.

This means call centers didn’t have to hire as much staff to run the marketing effort.

All it took was one person clicking a button to auto-populate hundreds of lines to call at the same time.

After driving everyone bonkers, the Do Not Call list was created. This severely limited the ability for marketers to solicit residences.

Eventually, legislation made robo-calling households illegal (unless your a politician or bill collector).

Nevertheless, some vendors still produce robocall final expense leads.  Many will claim they are “compliant,” but I don’t believe it.
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Don’t Take The Risk

All it takes is one professional litigant getting your information, creating a paper trail, and then suing you.

In fact, there’s a lawyer out of South Carolina tracking calls from his half-dozen cell telephones he uses to file lawsuits to pressure you to settle.

Several years back, he sued a top producer partnered with a top-producing insurance agency.

While they settled out of court, the final expense company terminated its relationship with him immediately.
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Final Expense Avatar Leads

After voicemail final expense leads were made illegal, the next technologically-advantaged lead everyone ran to was avatar final expense leads.

I LOVED avatar leads. I thought they were good.

Sure, not the greatest quality, but good enough and inexpensive to generate.

In fact, I could get an agent work final expense telemarketing leads using avatar technology for $150-$200 a week!

And odds were high they’d make enough sales to justify the investment.
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How Avatar Leads Worked

Avatar technology involved a live person calling. However, the caller didn’t talk.

Instead, he operated a computer program of pre-recorded statements, rebuttals, etc., to walk the prospect through a conversation.

If you’re in your 30’s, do you remember the early days of the Internet when there were websites with soundboards?

You’d Joe Pesci from Goodfellas or Arnold Schwarzenegger saying their most memorable movie lines.

You’d hit these buttons, and people would prank call people with it. It was great.

This is how avatar leads worked.

You’d get a professional, English-speaking voice actor recording opening call statements, rebuttals, and closing remarks.

Then, callers in the Philippines were trained what buttons to press for a low hourly fee.
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Avatars Now Illegal

In May 2017, the government decided avatar technology for residential prospecting was equivalent in annoyance and illegality to robocalling residences.

And just like that, avatar final expense leads were gone!
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Present-Day Telemarketing Options

Medicare Supplement Telemarketing LeadsThere isn’t many compliant options anymore to help agents get low-cost, high-quality leads.

There’s something called ringless voicemails, but those haven’t proven useful so far.

The only compliant option you have is to simply hire people to make the dials for you.

The problem of hiring a stateside caller is that professional telemarketers cost $25-$30/hour, which is price-prohibitive for many.

Further, at that price point, you might as well buy direct mail final expense leads.
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Outsourcing Internationally

With stateside telemarketers out of the picture, what options remain?

The only compliant and reasonably-priced strategy to generate final expense telemarketing leads is to outsource them to the Philippines.

However, this brings a host of problems.

Here’s the problem with Filipino leads when you buy leads:
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Scripting

It’s one thing to read a script. It another thing to communicate so your prospect understands you.

This is the biggest problem outsourcing telemarketing. 

Sure, there are many reps who speak English. But, they lack proper enunciation and have thick, hard-to-understand accents.

Plus, most seniors are patriotic. If they hear an obvious foreigner pitching them, they shut down and more often end the call.
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My Story About My Last Batch Of Outsourced Telemarketing Leads

Let me demonstrate my concerns with a personal story about the last batch of cheap telemarketing leads I purchased.

These were inexpensive final expense telemarketing leads generated from the Philippines.

The night prior to working the leads, my appointment setter set 8 appointments.

Believe it or not, the first 4 no-showed me within the first hour in the field!

Could it have been the final expense appointment setter I hired? Probably not, as I had worked with her for years and knew she was high quality.

Figuring I’d get a repeat no-show on my 5th appointment, I called and asked if I can come over early. Surprisingly, she agreed!

As I pulled up to the house, I noticed a police car parked in her driveway.

I’m thinking, “Oh God, I hope everything’s okay. I hope something didn’t happen.”

Then, it dawned on me…
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They were waiting for me!

As I step up to the house, the cop starts interrogating me.

“Mr. Duford, this lady here is saying that she’s worried about her safety. She said there were some foreigners calling her about Social Security benefits and insurance.”

I plead with the officer, “Sir, this lady set willingly set the appointment with me. Here’s a schedule with her name. Heck, I just got off the phone with her an hour ago and she agreed to let me come over! And here’s my license.”

For all that money I spent on cheap Filipino leads, I didn’t get the first appointment, and didn’t bother working the rest of them.
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Best Option

My friend Christopher Westfall offers a program to agents called Trained Telemarketers

For $1,000, he finds a willing Filipino caller and has his staff personally train her on the script of your choice. Afterwards, you pay an average of $3.00 to $5.00 an hour to the caller.

Assuming you get a good telemarketer, this is a good deal. You’re paying wholesale costs at $3 to $5 an hour instead of $12 to $15 per lead.

And that’s a cost I can feel good about.

However, understand you must manage your dialers. This is not a “set it and forget it” option.

Instead, you have to review their call recordings and offer continual training. And you have to treat them nicely and respectfully.

There are times you may have to throw out a bad caller, replacing her with a new one. That process takes time, but is worth the investment for many.
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Final Thoughts

Guess what?

I’ve given up on final expense telemarketing.

Simply put, I refuse to seriously consider them anymore.

In fact, I refuse to recruit agents to final expense telemarketing lead programs.

Back when I used avatar leads, out of 100 agents recruited using them, very few of them made money long-term.
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Lower Quality

Part of the reason is because they started with a lower quality lead. And brand new agents will find lower-quality leads harder to work.

In return, many get a bad taste in their mouths, souring them on the business altogether.
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Less Prospects

Also, you’ll only reach a fraction of your prospects with telemarketing.

Think about it. How many people have old-fashioned phones and are NOT on the Do Not Call list?

To make up for the lack of prospects, you must work a large geography. Expect a 150 to 200-mile radius to cover if using telemarketing full-time.
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Hidden Costs

Then, there’s the hidden costs less obvious to working final expense telemarketing leads.

Considering the large area you’ll have to work, combined with higher amounts of windshield time, the costs add up.

What I found working telemarketed leads is that I’d work LESS appointments due to drive time, and double my wear-and-tear on my car.
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Other Low-Price Lead Options

What are facebook final expense leads?

Consider Facebook final expense leads if you’re looking for a decent-quality, inexpensive lead.

Most range between upper teens to mid-20s per lead. They generate within 5 to 7 days, and are a reasonable alternative to low-quality telemarketing leads.
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Summary

Thanks so much for reading my article on why I think final expense telemarketing leads suck.

Hope it gave you a sober picture of what telemarketing leads are REALLY like.

If you’d like to learn more about joining my national agency, and are interested in selling final expense, annuities, Medicare, or mortgage protection, please check out this page here.

Also, check out my Agent Success Stories for more perspective on working in my agency, as well as my best-selling insurance sales books.

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