Give away F inal Expence

Imagine getting paid a commission for helping seniors age 70-85 years old receive the benefits of a Final Expense Policy without them having to pay the premiums from their existing household budget and you never risk getting a chargeback!

You get to inform them that there is a non-profit organization that will provide your clients and prospects with 100% of their premium payments for them.

Who is 70-85 years old that you can help?

• Your past clients between the age of 70-85, they can get additional protection.
• Your past prospects who couldn't afford coverage.
• Your past clients who had to drop their coverage, even if it resulted in a chargeback for you.
• Seniors who are struggling to afford their current policies.
• ​Your future prospects.

What are the underwriting knockout questions?

• They can't be in a nursing home.
• They can't be on oxygen.
• They can't be diagnosed with AIDS.
• They can't have been diagnosed by a doctor to have 12 months or less to live.

Beyond that, there is a checklist of health questions for you to go over with them, that when combined with their age will determine the size of the policy they qualify for, with a face amount from $10,000 to $40,000, half of which their beneficiary will receive, half of which goes to the non profit.

If they pass the knockout questions, 97% will qualify for financial assistance to cover 100% of the premiums for their policy

What are the benefits for you, the agent?

• Zero risk of chargebacks - The non-profit is covering 100% of the premium payments, you are not at risk of chargebacks.
• Generous commissions - You are paid commissions on every policy that you write.
• You get to help seniors who otherwise would not be able to afford to get coverage.
• You can help seniors who are financially struggling to afford their current coverage.
• ​An opportunity for a generous residual income.

This all sounds great, but what's the catch?

• This is only for face to face agents, you cannot provide this service over the phone or with a Zoom call.
• You must be licensed to sell life insurance in one of the twenty states that the program is in.
• If you are a captive agent, you will need approval from your existing carrier.
• While the program is adding states in the future, it is currently only available in twenty states.  You can receive commissions from someone in your downline if you are not in one of these states, but unless you are able to see people face to face in the following states, you cannot personally participate until your state is added.  

How did you resolve the "Insurable Interest" issue?
The policy holder makes a one time, $126 tax deductible donation to the non-profit and becomes a member, which establishes the insurable interest. This is a donation to the non-profit, not a premium payment, so the agent can choose to make the donation themselves if the policy holder is unable to afford the donation.

How did you resolve the Captive Agent or Unreleased Agent issue?
The agent (you) aren't appointed to the carriers and this has no impact on your existing carrier/IMO relationships.  Upon paying a one time fee of $157 and an ongoing fee of $29.95 per month, you sign up with the third party administrator which handles the initial training, placing the policies after you submit them with the carrier that offers the largest policy (and the largest commission), notifying you of any issues and helping you resolve them, notifying you when the policies are issued and making certain that you receive your commissions both for policies you sell and any overrides you have earned from agents that you recruit.  This remains completely independent of any other carrier/IMO relationship you may have.   There is no per-policy charge, an agent recently submitted 28 policies in a single month, for the same monthly fee.  You can continue to write all of the policies that you choose to with your existing carriers.

Can I recruit other agents for this program and get overrides on their sales?
Yes.  They will receive the same commissions you would have received, and in addition you receive an override from 5% to 20% of their commission amount.The program is currently available in the following states: 
 ALABAMA, ARIZONA, CALIFORNIA. COLORADO, CONNECTICUT, FLORIDA, GEORGIA, HAWAII, ILLINOIS, LOUISIANA, NEVADA, MARYLAND, MINNISOTA, MISSOURI, OREGON, PENNSYLVANIA, SOUTH CAROLINA, TEXAS, VIRGINIA, WASHINGTON

Additional states may be added over time, and you do not need to be licensed in a state in order to receive overrides from agents you recruit that are in those states.find it, it doesn’t exist. Clearly list and describe the services you offer. Also, be sure to showcase a premium service.

Here is what the agents are saying about our  Final Expense Leads: “I will be a customer for life” “I am going to get all my agents using your Leads” 

“You could charge a lot more for these Leads” “I do better with your Leads than Leads from anyone else.” 

“I ran 2 apps today and sold 5 apps today!” “Thank you, you are a Godsend!” “I sold 4 and I haven’t even called 30 of the Leads yet” “This is Phenomenal, thank you so much!” 

"I have been an insurance agent for over 30 years and you have the best lead program I have ever seen." "So far we are at 60 dials and 2 sales." "I'm really pleased, I made two big sales last week and I still have a lot of them to call." "I spent $600 and made over $8,000 so far!"  "These are absolutely, hands down the best return I have ever gotten from buying leads. 

Your leads are almost as good as the Prime leads I was paying $22 for and I get them faster."  Try 1,000 of the 69 cents Each Final Expense Leads, if you are a typical agent you will find they have the best return on investment of any leads you have bought.   800 492 0696

We have been selling auto insurance leads to insurance agents since 1997 and these leads are best compromise between cost and quality we have found so far. 

These are auto insurance Leads, delivered by excel file, exactly as people filled them out online.  Each Lead may have been previously sold to one person 8 days ago.  The reality is that a lot of leads are wasted.  Some leads don't get bought by anyone in real time, some leads are bought but don't get called, some are called but no one picks up, sometimes the prospect answers the phone but is too busy to talk about car insurance at that moment, sometimes the agent gets distracted and doesn't put together a quote, and sometimes the agent gets fired or quits before they make the sale.  It all adds up to a lot of wasted opportunities.  

We have had multiple clients that were trying to fix their sales processes and hired us to call their past leads to find out what went wrong, and to find out what the salespeople could have done better, why didn't they buy from the client?

The #1 reason was they were never contacted at all.  

The #2 reason was the salesperson called them once and they never heard from them again.  

The prospects were just sitting there waiting for someone to sell them and we see this pattern over and over.  Getting leads that were previously sold to a single agent in real time gives the best mix of lower price and lower competition.  We find that most agents don't try that hard to reach them, so even on the auto insurance leads that are 60 days old, you may be the only agent they talk to.  Here are some of the fields that you get with the auto insurance leads:  Full name, full address, phone number, year, make, model, vin, credit rating, birthdate, insured since, insurance company, incident claims, gender,  and IP address.  FAQs  

 What’s the catch?  How do you sell any auto insurance leads for just 69 Cents each, I have paid $6 for a shared lead? There’s no catch, other than the other agent that bought them in real time has a head start, of course they paid a lot more, too.  

We have a relationship with a company that generates the leads online and you buy directly from us.  They don't have to handle the sales inquiries from all the insurance agents and you get an unusually good price.  How do I know they are "real" leads and not recycled or just made up? All of the leads come with the date/time stamp and the IP address, the gold standard for lead quality.  

Can I get them just in my area? Yes, although it's best if you can give us as many zip codes or counties as possible, if you are in a local area.  Even if you are only licensed in one state, these are probably going to be a good fit.  Leads are available in the following States:  Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming. 

What is your refund policy? There are no refunds, all of our leads are sold exactly as they are filled out online, for only 69 Cents each. These are sent to you just as the consumer entered them online. There may be some wrong phone numbers on the auto Leads, but not many.  We give 10% extra leads cover them. They will probably be profitable for you, because they are for most auto insurance agents. In the unlikely event that you get duplicates from us, we will replace them. 

​No more worrying about if your marketing works, you just get what you want, LEADS! Fixed cost per lead means you can easily calculate your Return On Investment and plan your success! The leads are delivered in Excel, for easy importing into your contact management software! Fill out the form below or call us at 800 492 0696  Monday-Friday 9am to 5pm.