Q & A

WHAT IS FINAL EXPENSE INSURANCE?

A final expense insurance policy is a small whole life policy designed to help the beneficiary take care of funeral and final expenses. Such a policy helps ease the financial burden placed on a family when a loved one dies. We sell small final expense insurance policies designed to help with final expenses. In most situations we can insure almost anyone age 0-85 – even with existing health conditions.

Most policies average $50 a month, but we can go as low as $15 a month. The average amount of coverage issued is around $10,000, but we offer up to $30,000 based on certain health restrictions.

 

 

WHY FINAL EXPENSE?

WHAT EXACTLY DO WE SELL?

We sell small whole life policies ranging up to $30,000 for either a traditional funeral or cremation. These small policies do build cash value, the payments are fixed and the coverage amount never decreases (as long as premiums are paid).  We have plans for everyone, from one of the lowest cost immediate benefit plans in America to Guaranteed Issue. Regardless of your health, we can get you covered today!

 

 

HOW MUCH DO LEADS COST?

Lead costs vary by location and type.  We can provide specific lead information during your interview.

 

 

 

HOW MUCH MONEY CAN I MAKE IN A MONTH?

This will depend on you and how much time you are willing to commit.  We have agents averaging anywhere from $6,000 - $20,000 a month depending on their level of experience.

 

 

WHAT IS THE COMPANY AVERAGE MONTHLY POLICY?

Around $65 a month.

 

 

 

DO YOU HAVE TO BE A CAPTIVE SALES PERSON?

No. However if you'd like to take part in our lead program our agency guidelines state that you can't be contracted with competitors. 

IS A LICENSE REQUIRED TO SELL FINAL EXPENSE INSURANCE?

Yes, you must have a life insurance license. If you do not have a life insurance license and we select you to be a member of our team, we will reimburse you for the cost of getting your license after you sell 3 advance-able policies in your first 30 days.

 

 

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