Best Direct Mail Final Expense Leads Review

David Duford

David Duford last updated on July 23, 2021

What is the best final expense direct mailer lead?

Are you interested in selling final expense insurance with the best direct mail final expense leads possible?

Have you heard that certain final expense direct mail leads work better than others?

The truth is of ALL final expense leads available, direct mail leads are KING!

BUT… direct mail final expense leads are becoming harder for independent final expense agents to find.

My goal is to empower you with information on the best direct mail final expense leads available, best vendors, and show you why these leads are awesome!

Let’s begin!

NOTE: Are you an aspiring or new insurance agent looking for more insight on how the insurance sales industry works? Check out my free New Insurance Agent Resource Guide to help answer many of your questions (as well as ones you didn’t know you had!).

Overview

Best Leads
Bribe Leads
Best Vendors
Why They Work

Best Direct Mail Final Expense Leads

Let’s check out well-balanced direct mail final expense lead options not too expensive, yet create quality prospects.

Life Insurance Lead

Here is a final expense direct mail life insurance lead.

Check out the sample direct mail lead above.

You see this lead? Do you see how the verbiage is laid out?

Notice the words “benefit,” “state-regulated,” “tax-free,” etc.?

Of all the options available, most of your direct mail final expense leads I recommend will look like this.

Referencing “Life Insurance” On The Card

The key advantage of my favorite final expense direct mail leads is that it states “life insurance” somewhere on the post card.

The word “life insurance” helps clear up confusion regarding what the mailer is about.

And this means more respondents have genuine interest, compared to a card that doesn’t say “life insurance” (more on this later).

More Specificity = Less Response

The downside?

Any mailer with added specificity reduces response rates.

Along with a decline in response rates, there exists an inverse relationship between specificity and average response rate.

For example, if you send a final expense mailer that says,

“Send this in if you want to buy life insurance. We’ll send somebody over to talk to you about it.”

…you won’t get many responding back.

But… if you use a less specific lead that doesn’t mention “life insurance,” you’ll get higher response, but less interest in buying.

Less Specificity = Lower Quality Response

Why is this the case?

Respondents curious about the mailer reply, thinking “Uncle Sugar” is ready to provide another hand-out.

In other words, much of the higher response thinks the insurance offer is FREE.

In actuality, prospects respond to any marketing based on what the card says.

That’s why when you use a lead stating “life insurance,” it helps cut back on that “free loader” type of response.

However, you WILL still get people sending back the card thinking it’s free government insurance. But you’ll get LESS of that with this type of lead.

Moral of the story, I recommend ALL new agents to use a lead that says “life insurance.”

Especially for new agents, this type of final expense direct mail lead provides a better quality of response that are less complex to sell.

The Vanilla Lead

Check out the final expense direct mail lead sample below.

At first blush, this lead is almost identical to the one above, right?

What’s the big difference?

The lead does NOT say “life insurance” anywhere on the card!

I call this the “vanilla lead.”

While it loosely refers to it, the lead never specifically says this is about life insurance.

It hints at what it’s about. But never nails down the intent specifically.

This is the vanilla final expense direct mail lead.

As stated earlier, a final expense mailer like this with fewer specifics will produce a higher response rate.

How much does response rate increase?

Depending on your area, expect a 50% to 100% increase.

Just understand that the QUALITY of the response will reduce.

Why Some Agents Prefer One Over The Other

The argument among many experienced agents is this:

“A lead is just an opportunity. In fact, it DOESN’T matter what the lead says. I’ll work whatever lead I get and make the most of it.”

And this is 100% true.

Many agents don’t care whether or not the lead says “life insurance.” They can close any lead.

And if the vanilla final expense direct mail lead provides better results, go for it!

Test, Test, Test!

Over the years, I’ve had heated arguments about which lead is best.

Agents who like vanilla card have their points, and I’ve got mine.

But here’s where it all comes down to…

You MUST test to know what works best for YOU.

See Also Happy Agent Leads Review

Some Pros About Vanilla Cards

What’s cool about the vanilla card is that you tend to get in front of people who don’t normally respond back to leads that say “life insurance.”

And that provides opportunities for replacement sales you otherwise wouldn’t get.

Here’s an important truism of insurance ownership…

The best person to sell a policy to is the one who ALREADY is paying the premium.

Prospects who “walk the talk” are the best final expense insurance buyers.

And if you persuade them into upgrading their old plan with yours…

Odds are high they’ll keep you policy and not lapse.

New Agent Lead Recommendation

New to selling final expense?

Stay away from the vanilla card.

Simply put, the vanilla card on average frustrates newer agents.

There’s just more to overcome.

Instead, use the life insurance cards to start out with.

Are you a final expense sales pro?

Try out the vanilla lead card.

You’re good at what you do. And most likely, more people you see means more sales opportunities, regardless of the lead.

Bribe Leads

There’s one last interesting lead to review.

And I have used it successfully throughout my career as a final expense agent.

I’ll share a story about it before describing it further…

Skeptical At First

Originally, I thought this final expense direct mail lead was complete garbage.

I was highly skeptical. Even though I had seen good agents claim it worked, I refused to give it any second thought.

However, it wasn’t until I went on a final expense carrier convention that I talked to 3 producers making $20,000-$25,000/month in final expense that I changed my mind.

All 3 agents used lead copy I’m about to show you.

And, after meeting with them, I was TOTALLY convinced that this lead generation strategy works.

To test it for myself, I mailed 25,000 final expense mailers over the course of 4 months to test its effectiveness in rural, suburban, urban, and metro final expense markets.

What I discovered is that the lead works VERY well in all markets tested.

In fact, I did very well in my favorite “honey-holes,” and wrote much more business in areas I expected poorer results.

Sample Bribe Card Lead

Let me show you how the lead piece looks:

Here's a direct mail final expense walmart gift card lead.

Allow me to explain why I like this lead card.

First, the card uses “life insurance” verbiage.

Second, including the free gift card to Walmart (colloquially called a “bribe card” going forward) verbiage increased response rates 50% to 100%!

What About Freeloaders?

I know what you’re thinking.

“Aren’t there leads that only want the gift card?”

Surprisingly, I had virtually ZERO freebie seekers.

In fact, most knew I was there about life insurance!

Sure, I gave out gift cards to respondents.

But, the card does not indicate a certain dollar amount. So I gave out $5 gift cards.

Final Thoughts

Believe it or not, you don’t have to invest a lot of money into these Walmart direct mail final expense leads.

Instead, you receive a quality lead at higher-than-average response rates.

In some markets, I’ve seen agents at 2% response rates in some markets.

The average response rate for most “life insurance” final expense mailer leads is 1% to 1.25%!

At the end of the day, these leads are high quality. You’ll have plenty of opportunity to write good business.

Best Vendors

There are 3 vendors I recommend.

LeadConcepts

Lead Concepts is a great source for quality final expense direct mail leads.

The first one is called LeadConcepts.

I like LeadConcepts a lot.

They’re a very good service-oriented direct mail final expense leads company.

Their prices are slightly higher than other vendors, but I like working with them tremendously.

They don’t have a fixed-price lead program, but they’re easy to work with, very responsive, and they’ve been very good for my agents.

Need-A-Lead

Need A Lead is a great final expense direct mail company.

Second, you’ve got Need-A-Lead.

Need-A-Lead is out of Idaho, and the guy who runs it is Brady Evans.

He offers a fixed-price lead that says life insurance on it.

As of 2020, depending where you live, average fixed-pricing is $31 to $35 per lead.

Keep this in mind.

If you get fixed-price direct mail final expense leads, you have to sign off saying you’ll buy anything additional above and beyond what you paid for.

If you end up in a situation where there’s 50 additional leads above your original order, you’re obligated to buy those 50 leads.

He will work with you on pricing and payment. But you have to pay for the extras.

Bottom line, a direct mail final expense lead campaign with Need-A-Lead may stick you with more leads than you know what to do with.

DavidDuford.com

The third vendor I work with is my internal vendor.

They work with marketing organizations like mine, and offer fixed-price final expense direct mail leads.

See Also Gametime Leads Review

They do a fantastic job. Can’t recommend them enough!

Additionally, I have access to age and income filters, and different final expense mailer leads options.

Final Expense Mailer Leads 101

In this section, I’ll spend a good bit of time explaining the “why” and the “how” about direct mail final expense leads.

Perhaps you’re new to selling final expense insurance.

Maybe you’re wondering how final expense direct mail leads actually works.

In the following section, I will cover in detail how a final expense campaign actually works.

Then, I’ll describe why final expense mailers leads are the best lead generation strategy in selling final expense.

How A Final Expense Mailer Lead Campaign Works

Let’s cover the basics on how final expense mailer lead campaigns work.

First, when I say “final expense mailers,” I’m referring to using business reply card mailers to generate interested prospects for final expense.

Scroll up a few sections to see real-life examples of final expense direct mail leads I like using.

The client receives our mailing, fills out the information requested, then mails back the card.

We receive it, then call on the prospect over the phone or in-person to set a face-to-face appointment.

Costs average between upper-$20s to mid-$30s per fixed price final expense direct mail lead.

If you’re purchasing on a per-thousand basis, around $450 to $490 per thousand final expense mailers.

How Payment Works

In most cases, you “front” the money for final expense mailer leads.

More specifically, you pay at the time of ordering the leads, not when you receive them.

And since it takes 3 to 4 weeks for most final expense mailer leads to return, you are “money in” 3 to 4 weeks BEFORE working any of those leads.

This means you can expect minimum between $2500 to $3000 invested over the course of 4 weeks before expecting to make any money.

If this is a burden, fear not.

This is where final expense telemarketing leads may come in handy (just spend time finding the right vendor).

Also, Facebook final expense leads are worth considering, too.

Both telemarketing and Facebook leads are cheaper ($12.50 to $20.00 a lead), and take 7 to 10 days TOPS to fulfill an order.

Many agents starting with my agency follow this starter strategy, making sales from less expensive leads before working up to direct mail final expense leads.

Why Final Expense Mailers Work So Well

Why do direct mail final expense leads work so well?

There are several reasons.

No “Do Not Mail” List To Worry About

First, final expense mailers have no solicitation restrictions like telemarketing does.

Anybody we have information on within the typical ranges for direct mail final expense insurance leads gets mailed without government interference.

One BIG advantage to using direct mail?

Geographic lead saturation.

Simply put, agents generate MORE direct mail final expense leads in a smaller area than with telemarketing or Facebook leads.

With those leads, you have to cover 3x to 4x the geography to generate an equivalent number of leads.

This means more drive time between appointments, and less opportunity to scale your appointments to a high level.

More Engagement = More Interest

Second, engagement level with direct mail final expense leads is much higher than other leads.

Picture how people receive your final expense mailer lead.

Imagine Mildred for a second. She’s 70. She’s walking out to the mailbox, sees this card, and reads something that sparks her interest.

She sits down at the table, starts to read through the card, thinks about it and decides:

“I’ve been thinking about buying more life insurance. Maybe it’s time for me to do it.”

But there’s a potential problem.

Mildred sets the lead aside and works on another task.

BUT… she comes back to it, lets her husband read it and gets his feedback.

He looks at it and says, “Yeah, that looks good. Go ahead and fill it out and send it back.”

So she fills it out, walks it back out to the mailbox, and mails it back.

Psychology Of Final Expense Mailers

This example is how EVERY direct mail final expense lead submission happens!

Do you see how engaged your prospects are with mailers?

And note that no salesman or telemarketers pressured Mildred into replying.

It was her VOLUNTARY decision. There was AMPLE opportunity to throw the card away like she’s done already a hundred times before.

This psychology at play is why I love direct mail final expense leads.

This level of engagement means better recall rates when you call or door knock versus split-second decisions made on telemarketing and Facebook leads.

See Also The Ultimate Guide To Medicare Supplement Leads

Bottom line, this is why direct mail is the premier final expense lead generation strategy.

Better engagement means better quality leads.

And that means more leads closed!

First Choice Among Top Producers

Virtually all top producing agents use direct mail final expense leads as their primary source of leads.

Brian Tracy said that success leaves tracks!

Further, he said the smart folks in the bottom 10% always ask the top 10% how to become top producers like them.

That’s the same for final expense sales.

Nobody is reinventing the wheel here!

Instead, smart agents getting started simply duplicate PROVEN systems of success in their own markets.

For leads, the BEST system to duplicate is direct mail final expense lead generation. Because that’s what virtually ALL top producers use.

Leverage Door Knocking

Speaking of door knocking your final expense leads, direct mail is fantastic, as you can SHOW the prospect her handwriting.

There’s no denying that!

This gives agents tremendous leverage in converting more final expense direct mail leads into appointments.

Having a physical piece of proof that they requested information eases the door knocking experience, since THEY are soliciting YOU!

Best Practices

What are the best practices of working direct mail final expense leads?

First, see EVERY single mailer lead within the first 7 days of receiving them.

The most successful producers do whatever it takes to get in front of these leads as quickly as possible.

And every single day that passes without seeing your leads increases the odds another agent will slip by, making the sale YOU should have made!

In this competitive market, time is of the essence.

You MUST work hard AND fast.

Consider Only Door Knocking Leads

New to final expense sales?

Consider only door knocking your final expense direct mail leads for maximal return on your investment.

Setting appointments by phone is a different skill set that takes more time to develop than door knocking.

When calling, you lack powerful communication tools like body language, eye contact, or shaking hands.

Access to these communication tools makes door knocking a higher conversion rate prospecting method than calling, as you only rely on words, tonality, and pacing.

Sell Face-To-Face For Best Results

Not sure if you want to sell face-to-face or do final expense telesales?

Consider starting this business selling face-to-face.

It’s easier for prospects to hang up on you than slam the door in your face. Many who are jerk-offs on the phone are kittens face-to-face.

And you can always door knock a lead after a prospect hangs up on you. Can’t do that selling over the phone.

Keep Uncontacted Leads

Keep all uncontacted direct mail final expense leads as “shelf life” is good.

I sell leads 6-12 months old and know other agents doing the same.

Keep aged direct mail final expense leads handy any time you rework an area.

Many times, they were simply tied up and they’ll treat the visit like they recently sent back the card.

Best Areas To Target Market

Picture a low income area.

Maybe you’re in an older neighborhood with single story brick homes.

Perhaps you’re in Small Town and Rural America. There’s single- and double-wides all over the place.

Or picture a metro market. There’s small row houses and subsidized housing.

ALL are areas with opportunity to sell final expense.

The reason is simple…

Poor people buy final expense!

In other words, folks with little to no savings and meager Social Security checks are our best prospects.

We need to target the higher opportunity areas that make sense to the kind of people that we’re going to sell to.

And anywhere there’s a lower income is an excellent market.

Worst Area To Target

Do not target middle- and high-income areas with direct mail final expense leads.

While there are many seniors living in these areas, they do NOT meet the low-income criteria, yet still send back the lead cards.

You’re probably asking…

“Why would middle class people send the direct mail final expense leads back?”

Sometimes it’s confusion. Other times it’s curiosity.

My experience is that this market cares about life insurance, but cannot justify buying more, since their savings amply cover final expenses.

Summary

I sure hope you got some value out of this article on final expense direct mail leads.

If you’d like to learn more about working in my national final expense agency, go here and review the free resources.

Also, check out my best-selling final expense sales book and Agent Success Stories, too =).

About 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, Medicare, annuities, and Under 65 health insurance sales. 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 3,000 agents since 2013, and has helped develop many of them into six-figure income earners. You can learn more about David Duford here.

26 Comments

Larry Harmon

please contact me about the “life insurance for pennies a day ” lead piece and pricing thereof. I live and work in Houston, TX.

August 29, 2015 at 4:32 am

Reply

david

Hi Larry:

Thanks for your message.

Will send you a sample of the current lead piece and pricing details.

Thanks for your interest.

-Dave

August 30, 2015 at 12:50 am

Reply

Colleen Collins

I would like information, sample and pricing for the leads that say
Final Expense Life Insurance on them.

Thank you
C. Collins

September 15, 2015 at 11:20 pm

Reply

david

Hi Colleen:

Thanks for your comment.

If you scroll up you will see two lead pieces that will give you a good breakdown of what your typical final expense direct mail lead will have in its copy.

I partner with a large mailing house that offers my agents a fixed price lead program that guarantees each agent that their average lead price will not be anymore than the fixed amount. This is especially important with response rates trending downward (meaning agents tend to pay more for their leads with each passing year).

There are parts of the county (primarily the Southeast, parts of the Midwest), that have response rates 1% and lower for a final expense life insurance lead, with average lead prices ranging from $45-$60 a lead! Definitely not an attractive price point for direct mail lead generation.

Through my lead program, I can offer agents nationally no matter where they reside a fixed price lead at $29/lead. This is a fantastic deal and reigns in a lot of the unpredictability of generating your own leads at retail, which can range in average price wildly.

If you are interested in more information, feel free to click the “Contact” box at the top of the page, and input your information, and I’d be happy to get back to you.

Best,
Dave

September 16, 2015 at 1:00 am

Reply

Direct Mail Final Expense Leads Vendor Review

[…] experience. So I have a wide range of experience regarding different vendors, programs, best final expense mailers, and price points. All of this can be very confusing for a new final expense agent. Many do not […]

December 10, 2015 at 4:13 pm

Reply

Terrie Turner

What is inside the snap pak? Is there a way to respond, or is it just to generate a phone call?

October 26, 2016 at 11:28 pm

Reply

david

Hi Terrie,

It’s essentially the same lead card sent out in a standard envelope.

Nothing else is different regarding the response method or copy.

October 27, 2016 at 7:13 am

Reply

Victor Singler

Im looking for the best lead like you mentioned above you use for a fixed price currently using a lead that offers them a free walmart gift card for $25ea though it does say life ins on the card. please email me this info on your program tnx Victor

June 25, 2017 at 8:06 pm

Reply

Laura Fagan

Hi,
Are you still offering a fixed lead program for $29 per final expense life insurance lead? I noticed that this thread may be old and outdated. What’s the current price for a fixed price final expense lead? Please send me the details.
Thanks,
Laura

March 18, 2018 at 8:36 am

Reply

davidduford

Hi Laura, yes. We still have fixed-pricing on leads but they are slightly higher in price depending on the lead and filter you select. Reach out to me at davidduford.com/contact/ and we’ll schedule a time to speak.

March 24, 2019 at 5:35 pm

Reply

Elisabeth

Hi, can you recommend a good B lead vendor for mortgage protection?

April 18, 2019 at 9:41 am

Reply

davidduford

Hi Elisabeth – check out http://www.agedleadstore.com.

April 21, 2019 at 6:59 am

Reply

Mike Housand

David,

I love your videos. I have to mow my lawn every week, and I listen to two hours of your videos while doing it. Why don't I just work and sell a little more and pay someone else to mow the yard? It is my brain relaxing time!
Anyway, I was just reviewing your Final Expense Leads Review. You mentioned "unworked aged Leads". Do you have them and what is the price? And if you don't have them, can you point me in the correct direction? I live in NC, just above Charlotte.

THanks again for your videos,

Mike Housand

April 16, 2020 at 5:14 pm

Reply

David Duford

Howdy Mike! Thanks for the nice words. No, I currently don't have a source for unworked aged leads. Most of the large IMOs do, however, and you'd have to work with them to get acccess.

April 16, 2020 at 6:25 pm

Reply

Robert

HI Dave, another excellent article by you for the enrichment of all who read.

I have ordered fixed price leads before at $30 per lead from Need A Lead and had fairly good success. They had a minimum of 20 leads, I would be interested in purchasing 20 leads from your source plus any overruns that exceed the 20, but do not want an open ended contract where they generate a 1000 leads and i have to pay for the extra 980. Understandably they cannot guarantee an exact count and overruns are to be anticipated, if leads are under the minimum paid for they send out additional mailers to make up the difference and overruns are to be expected (any way, that is how I look at it)

May 14, 2020 at 12:46 pm

Reply

David Duford

Hi Bob, best thing to do is to do a mail drop with leadconcepts.com as that's the only way to avoid the overages commitment.

May 15, 2020 at 3:55 pm

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Patricia

Hey David,
Boy, I wish I would've read this article BEFORE I purchased FE leads in a middle-high income area. Oh well, let's see how it goes!

May 14, 2020 at 6:05 pm

Reply

David Duford

No worries =) – there are lower income areas in every county.

May 15, 2020 at 3:55 pm

Reply

Allan

Hey David ,
Ive just begun to purchase my own FE and Annuity leads. While selecting the age and income filters I was hesitant as to which combination would perform best. Would you share your preferred mailing filters for both FE and Annuity?

August 23, 2020 at 3:23 am

Reply

David Duford

FE – 50-85, $0k to $50k
Annuity – 58-74, $25k to $100k

August 24, 2020 at 11:26 am

Reply

RON STENGER

Would like info on buying leads from your company. Can you email me details?
Im in the Metro Atlanta area but would like to stick to specific zip codes

August 27, 2020 at 8:24 pm

Reply

David Duford

Check out Needalead.com or Leadconcepts.com

August 28, 2020 at 4:29 pm

Reply

David Elrod

Id be interested in your companies cost per lead Final Expense?

February 4, 2021 at 9:45 pm

Reply

David Duford

Our direct mail lead options are $32+ per lead.

February 5, 2021 at 5:15 am

Reply

Sharp

You mention the 3rd option being your internal source? Tell me more, please. I am new and only experience with Lead Concepts, expecting leads to start showing on March 26th.I put in a request today for aged leads through you I believe.
Lastly not sure of the advantage/disadvantage of Need a Lead, cost is fixed, but seems comparable to Lead Concepts in price?

March 9, 2021 at 10:50 am

Reply

David Duford

Hi Tony – we have an internal vendor that provides fixed priced leads for $32 to $34 a lead, depending on the lead you get and what filters you apply. Reach out to me if you're interested in hearing more. Otherwise, I like Needalead.com and leadconcepts.com just fine for final expense direct mail leads.

March 18, 2021 at 6:56 am

Reply

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Excellent Trainer. The Best of the Best..

20:21 17 May 22

David is an amazing resource consistently available to help his agents thrive in the insurance business. His advice and insight on everything from underwriting, to scripting, to long term business strategy has been extremely helpful. Could not recommend him more if your looking for an opportunity to thrive as an independent agent.

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As a new agent, The Duford Insurance Group has been instrumental in providing a realistic picture of what's required to be successful in the Insurance Industry. The training and support provided here is exceptional. I'm so glad I decided to join this Team!!!

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I find it's a wonderful thing to be working with a straight up no BS person like David and the best part is he continues to hold up his end of the bargain dayin and day out thanks David

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Dave is a terrific person and extremely knowledgeable. I would recommend him to anyone. He has the heart of a coach any any agent would be lucky to know and work with him.

13:54 15 May 22

If you're looking to work as a truly independent insurance rep/agent, with an agency that provides excellent training and support, then Duford Insurance Group is it! David does an excellent job giving us the training and support we need to be successful. I love that there is no fluff or hyped up "rah rah" in his approach. He just tells it like it is, and pulls no punches about what it really takes to be successful in this business. If you're looking for an agency that is not a "hand holding, baby sitting, micro-managing" agency that truly cares that you succeed in this business, where you are truly independent, then David Duford's Insurance Group is the place!

12:35 15 May 22

David is not only very knowledgeable but specially dedicated to the success of his producers. He is constantly looking for ways to put at our reach tools and resources to help us be better and close more sales. Always, always available to help with any question….

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12:05 15 May 22

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David knows his business and is an excellent teacher and mentor.

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02:49 16 Apr 22

Daily sales training - twice a day actually! - puts this group head and shoulders above every agency with which I have worked over a 50+ year sales career. Training geared to both new and experienced agents. A no B.S., realistic explanation of what it takes to be successful. Coupled with high commissions, and large number of companies to access this is the epitome of what an IMO should be.

Kenn Hildebrand

19:15 15 Apr 22

I have been following Dave on YouTube even while I was still studying for the life insurance exam. When it was time to start working with an agency, I knew I wanted to go with someone who is a straight-shooter and knows exactly how to train new agents. Dave is exactly who you see on the YouTube videos -- upfront, cares about your success, no BS, super knowledgeable. He has been incredibly patient with all of my beginner questions, and I am grateful that I can always get quick answers to anything I'm struggling with. If you're getting started in life insurance, Dave is the one to go with, hands-down.

Kevin Joey Chen

17:32 15 Apr 22

Super training, education, and knowledge. Go here for the best no-nonsense insurance agent business partnership.

16:30 15 Apr 22

I am new with this agency but so far have been very impressed with the thoroughness of the training and the follow-up. David really knows what he's doing.

16:22 15 Apr 22

David Duford is the real deal. He truly cares about assisting agents in reaching their goals by conveying his vast knowledge and experience in the business. David’s accessibility is unmatched and that is so important when starting in this business. If you’re looking for the best mentor, you need look no further than David!

14:58 15 Apr 22

David is a fantastic trainer on insurance sales. He really goes into the details of what to do and why you do it. He is also a great resource to ask about lead vendors.

14:44 15 Apr 22

I highly recommend David. Super communicator, easy to reach out to. He has tons of experience and the intelligence/charisma to package it and provide it to those who choose to work with his agency. Like me. His training program will rival any of them, including the big captive companies (like the one I used to work for). If you want to sell insurance as a independent agent, look no further than David Duford.

13:31 15 Apr 22

David gives great training and great access to teaching materials to help you make a successful business. He is also very available to speak with directly. I'm glad to have joined his group because I have learned so much that will help in the future with my final expense business.

13:02 15 Apr 22

David will guide you to opportunity

12:31 15 Apr 22

One of the most straight up and informative person on the internet!!!!

12:28 15 Apr 22

I gave been working with Dave for some time now, and what I really love working with him is that he direct, kind and he takes the time to explain things in a way one should understand. The best of all is teaching us to do right not put any product to the seniors. I my self am new ,but learning a lot, and I know is just a matter of time. He is sitting me for success. Trust Dave you won't regret he not just good, he's great he knows what he talking about.

Antoinetteb Teke5 z TV

12:22 15 Apr 22

David is the most knowledgeable Final Expense individual I have ever been exposed to. His experience in the field along with the ability to transfer that information to others to help them succeed is amazing.

12:16 15 Apr 22

A True professional and thoroughly supports his group. Always responds in detail and quickly. Offers plenty of 1-on-1 guidance. A wealth of top-level knowledge with street-level application.

Bradley Peterson

17:20 24 Mar 22

Dave is a Great person to work with. He understands the agent struggles and offers support to make sure you have a chance to really make it in this business.

Account Administrator

02:18 22 Mar 22

It took almost one year of market research to find the best insurance company and I decided to join Duford Insurance Group because they provide the foundation and fundamentals, training and ideas for accomplishing my professional goals.

01:08 19 Mar 22

New Agent. Haven't started selling yet. But so far training and support is A+

22:12 17 Mar 22

I couldn’t be happier to be part of the team. I’m gaining so much knowledge and feel confident to start my journey. He is honest, very transparent… a great mentor!

Darlene Sanchez

16:29 17 Mar 22

Very knowledgeable and great at developing your skills to make money!Joining his IMO was the best decision in my Insurance career.

21:51 16 Mar 22

David is a great teacher and offers a smart place for agents to call home. Exceptional training and mentoring to give all the help needed for success. Thanks David for all your hard work.

14:58 16 Mar 22

David and his Team in my experience are the Best of The Best in helping new agents navigate through the sea of endless options when it comes to selecting the right type of leads and product line to focus on depending on your (sales/professional) personality. David's website even provides a check list that takes you from how to purchase E&O insurance all the way through to your first day on the phones with live customers. DIG is an excellent agency to join!

21:52 15 Mar 22

David is a straight shooter and lets you know the good and the bad about this business. I like that and all the training we have access to such as live, audio and video.

Melissa Schoenung

20:27 15 Mar 22

Great training and always open to talk, instruct and answer any questions you may have.

19:08 15 Mar 22

I am a new agent with DIG, found David via YT. Happy I started my insurance career here. Great place to start a career transition. If you're an assertive entrepreneurial type you'll find all the training you could ask for to make yourself successful. David works hard and is constantly delivering great content on all platforms.

Patrick Michael

15:57 15 Mar 22

I compared many (many) different Agency, GeneralAgency, IMO, organizations and contract offers before going with Duford. I find they offer the commission levels that others want you to work years and recruit many others before you obtain. Duford want's you to make a living from day one without having to recruit.Of all the different trainings out there David offers real, everyday things like how to set an appointment, how to get in the door, and how to close the sale. That half hour every morning and at lunch are a great way to keep focused on the fundamentals that make us money.

Dennis Littleton

14:49 15 Mar 22

Always providing training

James Muenckler

14:10 15 Mar 22

The difference between this agency and other IMOs is that everything you need is yours for the taking. There is no pressure, which is great for self motivated professionals and great for the clients.

14:04 15 Mar 22

David Duford is the consummate professional. Since joining his final expense team I have learned why this type of program can assist individuals with financial means in their greatest time of need. I highly recommend Mr. Duford to anyone looking to be successful in the insurance industry.

Mark Van Voorhis

13:50 15 Mar 22

What Dave does works. He provides video and written information that details how to be successful in final expense. In my first week selling I did 6 apps and over $3000! I would highly recommend.

13:39 15 Mar 22

I have worked with numerous Insurance Marketing Organizations throughout my 11 year insurance career and beyond and have found and experienced the best group to be associated with, the Duford Insurance Group, and David M. Duford, specifically, from Chattanooga, Tennessee. I have also worked with other home based businesses and his organization stands above and beyond for honesty, integrity, knowledge, and communication skills. In his training sessions, he will give you unbiased, well researched, and experienced input that will far exceed anyone else in the industry. I highly recommend that if you are interested in working with the best, you owe it to yourself and your future to investigate pursuing this working relationship. He also makes the process fun and operates with a professional sense of humor and maintains a very efficient, punctual business.

13:29 15 Mar 22

Newly joined but great experience so far! Everyone is very helpful and I can’t wait to jump in deeper!

12:25 15 Mar 22

Enjoy the group trainings. Very educational.

20:15 18 Feb 22

DAVID IS VERY HELPFUL AND RESPONSIVE!! IT'S FUN TO DEAL WITH SUCH A REAL PRO!!

22:27 15 Feb 22

David Duford? He’s just great!I am a brand new employee, and already have learned so much in the span of a week’s time, while waiting for my writing numbers!He is a wonderful teacher who takes you through the concepts step by step, and explains everything.David provides so many available resources, and has even created a final expense carrier cheat sheet- which is super helpful and easy to use.David Duford truly cares about his agents. I know first hand, as he answers all my emails and always asks if I need help with anything. You cannot ask for a better manager to work under! Plus, you can tell that he really cares about his clients just by the way he describes different scenarios with them. I’m super happy that I found David’s agency. If you’re thinking about coming on board, don’t think, just do it! You will definitely learn a lot. I know now that I have a much better chance at success in this business. Duford Insurance Group?A+ rating in my book! Thanks, Dave!

Piaffe#25 Rider

17:04 15 Feb 22

Dave is a terrific mentor and teacher. Anyone with thoughts of entering the insurance industry would do themselves a favor by partnering with DIG!

16:54 15 Feb 22

David is very thorough and transparent. Lots of great training and help available.

16:14 15 Feb 22

Out of all the different IMO'S out there David is the only that I would ever work for. If you just listen to one of his Q&A's you know he's totally different then family last, shittery, and every other IMO I looked at.... He's real, he trains, starting comp is more hen fair....

14:58 15 Feb 22

Dave is a great guy, excellent teacher and very knowledgeable. I appreciate the focus he has and he is always available to assist.

14:55 15 Feb 22

David gives an unbiased report of the industry, products, insurance carriers, selling methodology and competing agencies. Having spent almost forty, yes 40, years in the insurance industry he is truly unique.

Michael Vicchiarelli

14:27 15 Feb 22

Helpful, supportive, non- rah rah. :)

May Almario Mendoza

14:19 15 Feb 22

David Duford is an insurance Guru. The Duford Insurance Group is the agency we've all been looking for. David is honest, organized, helpful, and intensely passionate about the sharing the craft of selling insurance.

13:07 15 Feb 22

Comprehensive and competent insurance agents ready to deliver the good news! You're covered and you can rest in peace!Figuratively and literally. You don't have to be rich to predict your future!

14:29 21 Jan 22

Duford Insurance Group definitely provides training and expertise to help one in the insurance business. Very Hands-On and straightforward..

21:05 17 Jan 22

Dave Duford is the real deal when it comes to insurance sales training, his unique perspective, integrity, and years of experience is incredibly welcomed in an industry where it can be hard to find someone as dedicated as Dave is to your success. Thank you Dave for all you do!

Marty T. Waters

17:50 17 Jan 22

I'm a life insurance agent with Duford Insurance Group (DIG). In a nutshell, David Duford (DIG's founder and owner), is "the real deal."As a relatively new agent, I really need the excellent support and training that David provides to his agents. He's ALWAYS accessible, often responding to my questions within the hour of my message. David has his finger on the pulse of the insurance industry, and he always has the answers to my questions. He's everything I want in an FMO leader, and I couldn't be happier with DIG.If you're an agent and you're seeking a first-class professional home, contact David. You'll be glad you did. I sure am.

Eugene Castagliuolo

02:03 17 Jan 22

David Duford is one of the most knowledgeable mentors in the Insurance field today. As a new agent he helped me tremendously in the area of Final Expense. He has a wealth of videos available on a wide range of topics and continues to lead the field today.

10:38 16 Jan 22

I found David on YouTube and was amazed at the comprehensive explanation of every aspect of the insurance business. I have been a licensed agent since 1993 and actually worked for several companies that he reviews. I can say his reviews are honest and accurateAt this point I know what I’m looking for and after substantial research I’ve chosen to proceed down the contracting path with him. I have had minimal personal contact with David but am as excited to be working him as I was getting licensed 29 years ago.I’ll continue to update this review as I work with him and I estimate it will be fantastic.

Joseph Pimental

19:58 15 Jan 22

David's training is the best. He is always quick to respond to any question I have. I am glad I made the move to this company.

19:28 15 Jan 22

David is eager help. Great training videos to continue growing and learning. Daily huddles are a great way to start off your day.

Jeffery Barnett

18:09 15 Jan 22

I’m a brand new agent. David is an excellent trainer and is very responsive to questions. No fluff, just solid training. I look forward to a long and lucrative career working with Duford Insurance Group

17:55 15 Jan 22

David Duford literally wrote the book on Final Expense. He's a down-to-earth real world straight shooter that provides top notch training and coaching. He's willing to professionally tell his agents what they don't want to hear -- if he knows its really what they need to hear in order to move forward successfully. He gives his agents as much freedom as they want, while always fast to respond whenever they need a question answered.

16:45 15 Jan 22

Dave is real. His process and assistance to agents from all backgrounds fits. He is intentional and has valuable experience to help lead others to their desired success story.If you are self driven, need a fresh start or just a great support team, pursue this find. You will not be disappointed.This agency values agents before themselves. Finally! Thank you!

15:10 15 Jan 22

I am new to DI. I left another group that really was all about buying their leads and going out there and selling with VERY POOR training no guidance. You could not reach the main person AND I HAD TO PAY A MONTHLY FEE!! I had been following Dave for one year and finally took my Health and Life exam and passed it-then joined DI. Excellent training, support, encouragement and honesty. No Kool-Aid!

14:07 15 Jan 22

Dave Duford is a straight shooter and straight to the point! No B.S. from Dave. He helps his agents get the job done. He knows the final expense business backwards and forwards! He's got the tools to help agents succeed.

13:37 15 Jan 22

Duford Insurance Group is the best Insurance Group that I've worked with. Dave is very knowledgeable and has a strong desire for others to succeed. I enjoy working with His agency.

13:05 15 Jan 22

Exceptional support and high quality education for the aspiring life and health insurance professional

13:01 15 Jan 22

For those agents looking to master Final Expense David Duford is the real deal. He is always free with his information and full of honest interpretation of how to achieve the best results. From my perspective he follows the golden rule knowing if he helps you ultimately he will benefit too. Agents, you can stop at David Duford's door. If you have will and determination he will guide you every step of the way in achieving your goal. You will end up a success, work with him and you will learn that I am telling you the truth.

05:21 16 Dec 21

Spoke to David personally with a desire to make a change in what I am currently doing in the Insurance industry. Based on our conversation, I realized some of the changes that I can make to be better with my craft. I am looking forward to working with such a professional and talented mentor.

19:07 15 Dec 21

David is someone who gets it. Actions speak louder than words in the insurance space. David has always been there to help me with any questions I may have. He is a pro's pro!!

17:53 15 Dec 21

I have worked with 6-7 insurance agencies at this point. David Duford is the best by far; there isn't a close second. David has created tons of content helpful for new or experienced agents. When I think of how bad the training has been at other agencies, it's incredible how well David gets agents trained, just through his website and you tube channel! On top of that, David is actually available to speak one on one for mentorship, help with difficult situations, etc. And, David is offering a better deal for agents than much of what's out there. High commission, fully vested from day 1, and David has the carriers necessary to be successful in Final Expense sales. Do not waste your time looking elsewhere and getting the run-around from incompetent insurance agencies. Contract with David Duford and get on track to a successful insurance career. If you are looking for life insurance, contact David, not the other guys. David and his agents are INDEPENDENT. That means he does the shopping for you to get you the best life insurance at the best price, unlike other agencies who are REQUIRED to sell you their product, whether it's best for you or not. Don't waste your time. Call David to get the best help with a life insurance policy.

17:34 15 Dec 21

Disclaimer: I am not an agent with David Duford. However, I have learned more truths about how to navigate a successful path in Insurance from David that allowed me to survive first year hurdles. David while he runs his own agency is committed to all agents who are lucky enough to find him on youtube or in searches on how to sell. Whether you're a new agent or senior experience, David's insights on all things related to carving out your own successful path selling everything from Final Expense to Annuities, you won't get a better overview than what David offers.

15:58 15 Dec 21

Always makes himself available and wants us to succeed. Lots of amazing information and guest speakers about trending areas. Amazing cheat sheets and training materials. David you're awesome! Many blessings to you.

Jazworker tribe

15:31 15 Dec 21

David does a great job of creating a good agent experience. He has the best carriers with good contract levels. He is a serial quality content creator of useful information for agents and is responsive to requests. In a world where uplines make promises they can’t keep, David does what he says he is going to do.

13:52 15 Dec 21

After dealing with another IMO that was ultimately a shady MLM IMO I was 2nd guessing the biz all together until I found David. He was and continues to be upfront about everything, nothing to hide, honest opinions, doesn't try to push you in any direction that you don't want to go. No kind of MLM whatsoever and he knows the biz inside and out. I'm in the biz less than 1 year and I broke 6 figures within my 1st 5 months onboard with David.

13:12 15 Dec 21

You couldn’t ask for a better knowledgeable person in this industry.. great training videos and live training. He is always a text ,email or phone call away and quick response back. I look forward to learning and growing as an agent with him.

13:04 15 Dec 21

I have the honor and pleasure of working with David Duford since 2015 to present. David has done what no other Mentor/Friend has done since ontaining my license back in 2004 in teaching me how to really be a top producer. David gives 110% support in being independent and if I choose to build an agency the right way. Now I am going 100% On-line and not have to drive to see my clientele. This has been possible since teaming up with my Mentor David Duford. If you are looking for a real mentor that will help you to become a top producer then look no further and book an appointment to talk to him and see if you are a fit to joining his Agency. You will not regret your decision.

Alejandro Chetto

16:35 22 Nov 21

The most complete turn key system to sell Final Expense and build an Agency that I'm aware of!

13:16 17 Nov 21

One can tell easily that Dave is very professional and passionate about his role to help new upcoming agents. Very grateful for the ease of his accessibility for questions and guidance. His materials and YouTube videos are very organized and understandable. He also does podcasts, Q&A sessions. Thank you Dave for your mentorship. Look forward to understanding this field with your help.

monica strazzeri

19:13 16 Nov 21

David and his team are all very professional when teaching new people about this business. Even seasoned veterans can enjoy learning new tips and tricks for carriers. Dave has easy to use websites with links to get the job done when out in the field. He and his team are only a phone call away if you are out with a client and need advice.

18:32 16 Nov 21

As a new agent I was looking for a proper training to be successful. I decided to be part of David's team because, his methods to train new agent has been the best for me. I received great value and tips on my training with David. He is a great mentor, teacher and great individuo. If you are a new agent I highly recommend David.

Judith Maldonado

15:33 16 Nov 21

Dave is SO knowledgeable, thorough in his teachings, and encouraging. A great insurance mentor. Highly recommend.

21:19 15 Nov 21

It took me awhile to really get going in David's group due to personal reasons. David never acted upset and was extremely patient with me despite not making money on me right away. He tells you the honest truth about the business and how to succeed. Tons of educational material and he personally teaches multiple times a week. Give him a try and you will quickly see why joining the Duford Insurance Group is a great idea.

16:23 15 Nov 21

Excellent forthright guidance.

16:00 15 Nov 21

The thing about being a new agent is there are so many moving parts and you don’t know what you don’t know. David’s training and resources addresses and handles new agent jitters and uncertainty. No matter what question you ask David will take the time to get you the answer, no matter what it is. He is sooooo patient. He doesn’t dismiss you. On the contrary he will seek you out to see what you need.

14:44 15 Nov 21

There is a reason you can't find any negative comments on David Duford's agency online....it nothing if not fantastic! David has a consistent, honest, no nonsense approach to assisting you be successful.

13:53 15 Nov 21

This company will give you the tools you need to succeed. The rest is up to you!

stephen schmitt

13:40 15 Nov 21

True training and business knowledge

13:03 15 Nov 21

I am newly licensed and just getting ready to start selling final expense. I have looked at many opportunities to sell insurance and David's agency makes the most sense by far.

14:45 08 Nov 21

One of the better places for agents to work. Compensation is amongst the highs in the industry and David is always there to answer any agents questions to respond to call/text. Two thumbs up, cant complain

14:43 07 Nov 21

This is an excellent agency to partner with. The training is exceptional and you have access to all the tools you need to be successful.

20:23 27 Oct 21

Duford Insurance group is such a great mentorship program.David shares very relevant knowledge and expertise every week on his training calls.He Displays positivity and enthusiasm always.David doesn't shy away from providing honest and constructive feedback.He has great listening skills and is always willing to go above and beyond to got you answers via email etc. You can also schedule calls with him as well when you are feeling stuck.I so appreciate what I've learned from him and his training has made me a more confident agent in the field.Look no further !

Valora Mattison

00:25 26 Oct 21

For a self starting independent, Duford Insurance Group is very easy to work with. They are very responsive. I get emails about how to improve my business or how they can add value to my business. Their youtube and intenal video content is amazing. Most other IMO's email me their incentive trip details and try to push my production to them. There is no shortage of IMO's in the final expense space. His focus on finding the best value and solution for the client. That makes it easy to build a business for long term

04:55 24 Oct 21

Working with David Duford is simple and "no contracts", vested in your production day one! David, an author & experienced in Life, Medicare, and Annuities, was why I sought him out. I did have a few years experience prior to going Independent, but his training and tools, and updates on marketing, helps any agent. It's all remote, but that is the way business works now in recruiting. Listen to what David teaches before you make a mistake of signing a contract with any IMO/FMO.

00:26 23 Oct 21

David has a wealth of information. Very helpful for me.

21:37 22 Oct 21

I have worked with other agencies in the past almost leaving the industry all together for lack of support and training. David Duford is the most transparent agency owner I have ever met. His trainings are the best I have ever experienced. After working with David, I am excited again about the industry and my new skillsets. Highly recommend his agency especially for new agents. He tells it like it is and doesn't sugar coat anything.

16:47 22 Oct 21

David is a great person to partner with. He offers great training and insight and has been very helpful to me and others in getting our businesses headed in the right direction. 100%!

15:20 22 Oct 21

I can't imagine there is a better agency to work with whether you are a seasoned agent or new to the insurance business. I would highly recommend the Duford Insurance Group to further your insurance career.

14:51 22 Oct 21

The Duford Insurance Group is a very professional agency with all the tools you need to be become a successful agent.

14:26 22 Oct 21

Duford is a great agency and David really does a great job. He truly cares, which is a rare trait.

13:43 22 Oct 21

David Duford’s insurance agency has changed my life! If you are looking for a place where you can grow at a rapid rate, increase your bank account beyond your imagination, learn from an expert who is fun, loving, exciting and thoughtful, look no more.David is an insurance expert and you will become one too, he provides everything you need from the best commission rates to the best insurance carriers especially if you want to do telephone sales from home, the best telephone and in home scripts he will teach you everything you need to say Word for Word to close the sale. He also will teach you how to close the sale in the client’s home at the kitchen table.And if that’s not enough he provides live training via zoom where you can hear live telephone calls of other agents closing sales and allows the group to critique the closer…it is unprecedented.I could go on and on and on but in closing reach out to David Duford you won’t regret it!Tracy O. Johnson aka the insurance lady!

12:43 22 Oct 21

I think David is one of the most honest and upfront people I know. His training is great. There’s plenty of carriers with nice contracts, plenty of training, and he is available for one on one sessions for whatever you need. I couldn’t think of a better group to be part of.

12:01 22 Oct 21

Knowledgable and objective!

Reinhard “Ryan” Hermes

11:50 22 Oct 21

David is a top notch leader in the insurance industry. He is one of the few agency owners who takes personal interest in each and every one of his agents. I highly recommend working with Duford Insurance Group!

Stephen Littleton

11:14 22 Oct 21

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