Wikihow.com must like our website:

Click here to read their “how to” article.

This is a very simplified version of what we cover on our 101.com site. Final expense sales is soaring and with a little help, you will be out there selling in no time. In fact, you aren’t really selling, just helping people do something they already want to do and just don’t know where to go or who to buy from.

So Google+ is the new social craze?

Anyway, I guess I was sleeping during all this and I have just now got a Google+  page going.

If you want to join my circle and contribute, please feel free. We are going to try to add something there everyday that might be helpful to final expense agents.

Contact me if you ever have something to share. I would be glad to post it for you.

Click here to be directed to our Google+ page.

A heart wrenching article in the NY times on burying a 2 year old and how burial insurance is a must have in lower income families.

Burial insurance is a true necessity in some communities and not only is it profitable to the insurance agent but it is also a service to these communities.

Click here to read the article.

I just saw this mailer and thought it was great. I mean, I laughed a bit but then decided that you guys should see it. Maybe it would be the best mailer ever. I’m sure seniors citizens are burned out with the normal direct mail final expense lead that focuses on the $255 Social Security benefit. Anyway, just thought you would want to see it:

There is no guarantee that any lead vendor will be able to meet your needs for leads. Some final expense life insurance leads work really well in some areas and poorly in other areas. You just have to use your own intelligence when picking a plan for yourself. Check with the lead company what their average return is, ask for referrals, start off small, etc.

You are in the drivers seat, so take control and steer your own way to success. You have to be innovative and creative when choosing leads for final expense insurance. You have to work hard and smart. Door knocking and cold calling are your cheapest route and the best route to go in most cases. If you knock on 10 doors a day, you should generate one sale. Also, make a note to always ask for referrals and aim to have all your future leads generated by referrals. This is the true secret to success.

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I was brand new to the business starting in November 2008. I got into insurance sales but I had no idea what direction to go. I started with a couple of captive companies and I was very confused by the amount of insurance products I had to sell. It was all just too much.

When I would get home from my training, I searched around the internet and I found an article on final expense insurance selling and how to sell final expense insurance. The article touched on how easy the business was and after reading the article, I was convinced I had found a pot of gold. I started researching about selling final expense day and night.

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A few days later, I quit the captive insurance company I was working for and found a semi-captive final expense brokerage called Equita (I called and asked their representative: “Can you make a living selling final expense?” He sold me before we hung up and this was the beginning of my new career).

I learned a lot working for Equita Final Expense and they provided a lot of support and training but, in exchange, I had to sacrifice commissions and limit myself to only selling companies they were contracted with (this is very limiting and ends up costing you sales).

When I became independent, not only did my commission go up but also I had so many more companies that I could choose from. So if someone just had a heart stent implant put in last month, I was able to get them insurance. If somebody had cancer a year ago, I could still get them insurance at a decent rate. I wasn’t forced to sell Equita’s more expensive coverage. The fact is, there are a lot of companies out there that will insure anybody but it is very expensive.

You need companies for every possible scenario that aren’t so expensive. If a policy will cost them $100 a month for a $10,000 policy, they are not going to buy it. It needs to be more like $50 or $60 a month. And if you can only offer a client a modified policy that leaves them uninsured for 2 or 3 years when some companies will give them immediate coverage, you will not only be offering a disservice to your clients but you will likely lose the sale. Why would anyone want to do this? It just doesn’t make sense.

So you need the companies, you need the commission, you need the leads, you need the presentation, you need structure, and it is all on www.FinalExpense101.com/join-now. There is no other place that I have found that has it all in one place for you. Pretty much, most agencies keep their training and information a secret because they want you to sign up under them before they give you all the information. At the same time, other final expense agents don’t want you to know exactly what they do to make money because then you become competition for them.

We reveal everything on our final expense training website that we know and have learned from the very best final expense agents.  The site goes through the different final expense companies out there, reviewing what they offer, their cost and their underwriting requirements. We go over commissions and who offers the best pay and we go over different lead sources that work for independent agents. There are a lot of resources at www.FinalExpense101.com/join-now that will help you become a very successful final expense sales agent.

All I can say is, give it a shot. It’s a small expense that will save you so much time and save you so much money. It is a road map to success in final expense sales. Regardless of whether you remain a captive or independent agent. Just with the final expense sales presentation alone, you will increase your sales.

If you are looking for a job, final expense life insurance is a great way to make a good income (or any life insurance agent job for that matter). To learn about final expense agent jobs and other final expense sales jobs, go to www.finalexpense101.com/join-now to learn how you can make a living selling final expense life insurance.

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Selling Final Expense Life Insurance – “Final Expense Agents Wanted”

All you need is your insurance license for the state you live in, a few life insurance companies that offer final expense at a reasonable rate, a little knowledge on how to get someone approved, a final expense presentation and leads for final expense insurance.

If you have leads, you just have to contact the prospect, make an appointment, make some small talk, deliver the memorized presentation, shake their hand and carry home a $500+ commission. Do this 3 times a day, 4 days a week and you will be making a nice income for the rest of your life… (Job As Life Agent in Final Expense Insurance Co).

When I first started, I had gotten my insurance license because a company hired me for a life insurance agent job that was focusing on selling insurance to seniors. This company had a huge portfolio of products and they represented a lot of companies. They promised 5-7 pre set insurance appointments a day and everything looked like a perfect fit for me. However, after some internet research, I found that this company was not well liked by their agents and I kind of just got lost in the job world again, forgetting about insurance all together.

It wasn’t for another a year or so before I decided to look at insurance again and this is when I ran into an article on how to sell final expense insurance.Click here to read the article now.

This article changed my life and I knew if I could get in front of people and demonstrate the benefits of having final expense life insurance to seniors, I would finally be making the income I always wished for.

Well, within a few weeks I found myself sitting in front of a 65 year old man who had sent in a direct mail final expense lead and I walked out with a $150 premium for the first month (at 80% commission, that was $1300 for me).

I was so excited. I usually had to work an entire week to make this much money and I just made it in less than an hour. Not to mention that my next two appointments were also sales ($2100 in commissions my first day).

From this point forward I never turned back and still sell Final Expense today. I highly encourage you to consider this field because there is no other job with this kind of freedom where you are making a steady income in the first few months in the business. Final Expense agent jobs are very lucrative if you do it the right way.

Click here for employment as a final expense life insurance agent.

The first stage of the sale is to pre set final expense life insurance appointments. So when calling, make sure you are extra friendly and genuine on the phone. If you have good conversations and they like the appointment setter, they will be more likely to let the salesperson in the house when arriving for the final expense appointments. The tone in your voice is key to not only getting the appointment but it sets the tone and mood for the whole final expense sale.

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My final expense appointment setter is so good that when I arrive at the house, the door is literally open, with the welcome mat hanging on the door.

Seriously! They know my name, they remember my appointment setters name and they are ready for my presentation. It truly makes my life a lot easier.

My appointment setter tells us in her interview with www.finalexpense101.com/join-now that the tone in your voice will set you up for success in scheduling your final expense pre set appointments; simultaneously, it will also make the prospect more comfortable to invite a stranger into their home.

Some helpful hints:

1. Don’t address prospects as if you already know them.  This confuses people and then they just feel tricked by you. They’ll feel you are just trying to get something out of them.

2. Be humble. Start a conversation with, “I am sorry that I have not gotten back with you sooner.”  This helps them to feel they have the upper hand and are more in control.

3. Remind them that these pre-set final expense appointments will only take 10-15 minutes of their time and we are only there to see what they qualify for and give them some information to take a look at.  This will help them to not feel pressured.

4. Many people might already have life insurance and think that final expense is the same thing.  Don’t get into it too much in detail but try to word it in a way that they think it’s more than just a life insurance plan.

5. It is just your job to set the appointment. If they ask what the rates would be, just let them know you only schedule appointments and the representative can tell them which programs they will qualify for and get them all the information.

Divert away from mentioning they are going to have pay anything so they don’t feel like they are going need to be on guard because a sales man is coming over.

Important Words To Use:

1. “Program” instead of “Plan”. If people are worried they’re going to be sold something, this helps them to not worry they’re going to be pressured.

2. “Qualify” and “Benefits”. People like to know what they are going to get out of something.

3. “Representative”. Always say we have a representative who will stop by to see what you qualify for.  Even though you may only be scheduling for one person this gives an impression that your company is well established.

Join today and hear more about how to set the appointment, as well as her appointment setting script and tips on organizing your leads and following up with old leads.

Final expense by phone, also known as final expense telesales is a fast growing niche for final expense agents. There are a lot of advantages to selling final expense over the phone but most experienced agents have what is called “tunnel vision” which can hinder one being open minded to doing things a different way, maybe a better, more efficient way.

At least that is what the final expense telesales gurus will tell you. Is selling final expense insurance by phone really a better, more efficient way?

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Selling final expense over the phone is definitely attractive and I get many agents that are looking to get into this side of the business. I mean, you get to stay home, make a few calls and bring home six figures a year. Who wouldn’t want to sell final expense over the phone?

But there are many problems that arise and make it so most agents just can’t succeed selling over the phone. The biggest road block is getting enough quality final expense leads to work with and the then you have to deal with the impersonal aspect of the phone. I mean, it is a lot easier for someone to slam the phone down then it is to slam the door in your face.

Other road blocks that you face are the lack of trust seniors have in giving information over the phone (especially bank information). They don’t know who they are talking to and since senior scams are rampant, seniors naturally get nervous when it comes to their personal information. Most of them would rather see you face to face and know who they are talking to. Even then, you are faced with trust issues. You have to really present yourself in a way where they feel comfortable and willing to share their personal information with you.

None of these things disqualify final expense telesales from being a viable option. You just have to understand that these road blocks exist and can prevent you from being successful; however, if you are one of those agents who can overcome these hurdles, you will find yourself living a very comfortable life, making a few calls a day.

Successful telesales agents average 8-12 final expense presentations a day and close around 50-65% of those presentations. These agents claim that you don’t need to be face to face to gain their trust. You just need to be able to build their trust quickly over the phone and this is a skill that can’t really be taught. Some people just have a way with words, tone and presentation. You just immediately trust them. If you are one of these people, I’d say final expense by phone will work great for you.

The main thing you have to consider is your lead source. You can burn through a lot of leads, really fast by selling over the phone. Personally, I have found that in order to get enough leads, with out spending all your savings, you have to generate your own leads. Maybe you hire a telemarketing company to call for you and either do live transfers or maybe you use an auto dialer or just call your self using a speed dialing system? I mean, if you can get one sale a day by calling yourself, you will be making decent money, with little to no lead cost.

I’d say that if you are confident in your knowledge of final expense products and feel you are strong enough to handle callers over the phone and gain their confidence, then go for it. Come up with a lead generation plan and find your companies that will take voice signatures over the phone. The companies I know of are as follows:

1. Foresters Life Insurance

2. Madison Life Insurance

3. Assurity Life Insurance

4. Baltimore Life Insurance

5. Lincoln Heritage LIfe Insurance (You have to record the call)

6. Forethought Life Insurance (Depending on the IMO)

7. Americo Life Insurance (depending on the IMO)

8. Standard Life and Accident

However, I personally like the face to face approach. I like to just stay local and see the customer face to face. I’m good on the phone and I can sell over the phone but with something like Final Expense, I prefer to play it safe and go to their house. Its up to you.