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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.
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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
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.
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.
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:
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 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 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/
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.
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:
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!
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!
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.
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.
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.
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.
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.
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.
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!
There 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.
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:
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.
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…
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.
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.
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.
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.
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.
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.
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.
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.