Selling burial insurance is a process that requires and agent to build a need, want and desire for the product.  Like any life insurance, everyone needs it but no one truly wants to buy and pay for it.  As with other things in life we should have, if it was free, everyone would most definitely have it.  Problem is… it’s not free so we need to create that need they can’t live without.  So how do you do that?

First off, the client needs to see the value of having a policy and protecting the people they care about.  Any life insurance I have I look at as an asset and not as a monthly expense each time I make a premium payment.  It’s important you talk in terms that the client is creating an instant asset for their family and not an expense.

The second thing that is very vital to helping your client is don’t tell them they need final expense insurance but have them tell you.  This is one of the biggest mistakes agents make selling absolutely everything.  A successful agent does not tell a client they need the product, a successful agent has the client tell them why they need it and want it.

It is very important to ask probing questions to get the client to tell you.  This is where most agents fail.  Agents usually tend to do the telling in the selling process and by telling the client instead of having them tell you, in the end the client doesn’t take ownership to the sale and the sale is lost.

“Mrs. Jones, do you see planning for your final expenses your responsibility, or do you see it as your children’s responsibility?”  The follow up question after Mrs. Jones answers it is her responsibility would be “Why?  Why do you think it’s your responsibility and why wouldn’t you want to put this on your kids?”  Sit back and listen to her tell you why she needs to buy your final expense product.  These types of questions make the client take ownership and make the sale for you.

To be successful selling final expense, you need to create a need for your product since not many clients really want to purchase what you have.  How you create that need is by asking questions that get your client to sell themselves and take ownership.  Don’t make the mistake that 99% of all agents do and that is tell your client why they need final expense insurance.

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Technorati Tags: final expense, final expense insurance, FINAL EXPENSE TELESALES, Selling Final Expense, selling insurance

Selling burial insurance is a process that requires and agent to build a need, want and desire for the product.  Like any life insurance, everyone needs it but no one truly wants to buy and pay for it.  As with other things in life we should have, if it was free, everyone would most definitely have it.  Problem is… it’s not free so we need to create that need they can’t live without.  So how do you do that?

First off, the client needs to see the value of having a policy and protecting the people they care about.  Any life insurance I have I look at as an asset and not as a monthly expense each time I make a premium payment.  It’s important you talk in terms that the client is creating an instant asset for their family and not an expense.

The second thing that is very vital to helping your client is don’t tell them they need final expense insurance but have them tell you.  This is one of the biggest mistakes agents make selling absolutely everything.  A successful agent does not tell a client they need the product, a successful agent has the client tell them why they need it and want it.

It is very important to ask probing questions to get the client to tell you.  This is where most agents fail.  Agents usually tend to do the telling in the selling process and by telling the client instead of having them tell you, in the end the client doesn’t take ownership to the sale and the sale is lost.

“Mrs. Jones, do you see planning for your final expenses your responsibility, or do you see it as your children’s responsibility?”  The follow up question after Mrs. Jones answers it is her responsibility would be “Why?  Why do you think it’s your responsibility and why wouldn’t you want to put this on your kids?”  Sit back and listen to her tell you why she needs to buy your final expense product.  These types of questions make the client take ownership and make the sale for you.

To be successful selling final expense, you need to create a need for your product since not many clients really want to purchase what you have.  How you create that need is by asking questions that get your client to sell themselves and take ownership.  Don’t make the mistake that 99% of all agents do and that is tell your client why they need final expense insurance.

Apply To Be Our TeleSales Partner

Technorati Tags: final expense, final expense insurance, FINAL EXPENSE TELESALES, Selling Final Expense, selling insurance

Leads are expensive, right?  They sure are and the norm in the industry can be $25-$35 per lead!  Many of these leads may be weeks old by the time you get them and by the time you get them another agent may have already contacted the person before you even get your $25 lead…..OUCH!  There are even cases when your supposedly fresh leads are months old not just weeks.

Another route to go is to buy those “B” leads…  These leads are months old and most likely have been worked by some other agent in the past.  “B” leads may only cost you $5 per lead.  These final expense leads may not be fresh but you can definitely find sales out of them.  Just because someone said “not interested” with someone else doesn’t mean their circumstances haven’t changed by the time you contact them.  In our experience the more times you contact someone the likelier they are to buy.  Today someone may say they are not interested but in 6 months they may have a spouse or relative die that gets them thinking about it again.   So don’t disregard the value of “B” lead.  They are cheaper and in some cases as good as those expensive “A” leads.

Bottom line when you are selling Final Expense Insurance you need access to unlimited leads to be truly successful.  Imagine if you are paying $25 per lead each week and you get 10 leads a week and that’s it.  First of all that’s $250 and secondly you are pressured to sell everyone of those leads to make a living after all your expenses.  When you only have access to a small number of leads it makes succeeding in this industry extremely hard.  Out of those 10 leads, 3 you may never get in touch with.  3 of them may be broke. 3 of them may hang up on you and that leaves you 1 to get the sale.  Not good odds or a great way of making a living.  You could order 30 leads a week but now you are looking at almost a $1,000 per week in lead cost alone not including travel, gas, and on and on.

We know that leads are what agents need to be successful.  Not just 10 leads a week but many leads.  We solved that problem and we solved it to a point to where it’s ridiculous.  At any given point our agents have access to 50-350 “A” leads per week that are less than 30 days old.  On top of that our agents have access to more than 3,000 total leads.  These are not phone book leads these are leads from our proprietary mailings.  Since leads make agents successful, our platform removes the number one reason why agents fail in this business…not enough leads!

If you break down the cost to our agents for lead cost compared to how many leads they have access to, it comes to less than 35 cents per lead!  Do you think you could be successful with those kinds of cost and access to over 3,000 leads?

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Technorati Tags: burial insurance, FINAL EXPENSE LEADS, FINAL EXPENSE TELESALES, Insurance Leads, Insurance telesales, Selling Final Expense

Having a loved one pass away is one of the most difficult days we

experience as a family. The last thing we want to do is add to their

grieving, and pass on an $8,000 to $12,000 funeral bill with no means

to pay it off.

Most people don’t want their spouse, siblings, or kids to reach into their own

pockets, or sell off investments that they have worked hard for and need for their own retirement and living expenses.

With insurance rates at all time lows, and funeral expenses going up,

the sooner you plan, the less expensive it is, and the sooner you

will have the peace of mind of preventing a financial hardship

upon your family.  

Do you ask your family or kids to pay your rent or mortgage? Do you expect them to pay your cable or electric bill??  Then why would we expect them to pay for our final expenses??

Ask yourself, what’s harder?  Will it be more difficult now to come up

with $40-$60 a month for a few years, or your family coming up

with the $8,000 to $12,000?   

Many have procrastinated way too long!  By the time we are 65 or

older, insurance costs just get harder to afford and qualify for! 

Our age, and health condition determine these costs.

The time to act is now!  There are no free funerals.

The government only pays out $255 to our beneficiary.

Your family is important to you and protecting them is your top

priority. It’s always a good idea to look ahead at how they’ll be

taken care of should anything suddenly happens to you. Now there is an

affordable way to guarantee your family will have the cash they need to cover bills and other expenses after your death.

Term vs. Whole – you decide.

Term insurance is what it sounds like – it ends!

Most Term insurance “ends” at the worst time, when our parents

or you reach 70-80 years old. 

Since we are no longer in great health, and older, our rates to renew

or convert has quadrupled , or worse our health condition disqualifies

us and we are left with no way to protect our families.  

Most seniors are “persuaded” towards term insurance, because

the “rates” are lower. The risk is really on the seniors due to the

above, as we live longer, the risk to the insurance carrier of

paying out claims declines.

Plainly speaking, one must “die” before the “term” ends, to

receive benefits.  I don’t know about you, but I don’t want to have to

die early just to receive term insurance proceeds!!

Whole Life is, what it sounds like – stays in place your whole life!

As long as premiums are paid, this insurance will not end.

Cash values can build up, in case of hard times, it can be used to

pay the premiums. This is “very important” as many find themselves

paying for nursing home care, or increased medical bills make it

difficult to pay other bills.

By having cash value, most companies today allow the use of the

cash value to pay the premium to keep it in place without any

hardship on the individual and secure insurance for the purpose

intended!

For this reason “whole life” is a few dollars more expensive than term.

The lifetime guarantee, is priceless.

Technorati Tags: burial insurance, FINAL EXPENSE LEADS, FINAL EXPENSE TELESALES, Insurance Leads, Insurance telesales, Selling Final Expense

Having a loved one pass away is one of the most difficult days we

experience as a family. The last thing we want to do is add to their

grieving, and pass on an $8,000 to $12,000 funeral bill with no means

to pay it off.

Most people don’t want their spouse, siblings, or kids to reach into their own

pockets, or sell off investments that they have worked hard for and need for their own retirement and living expenses.

With insurance rates at all time lows, and funeral expenses going up,

the sooner you plan, the less expensive it is, and the sooner you

will have the peace of mind of preventing a financial hardship

upon your family.  

Do you ask your family or kids to pay your rent or mortgage? Do you expect them to pay your cable or electric bill??  Then why would we expect them to pay for our final expenses??

Ask yourself, what’s harder?  Will it be more difficult now to come up

with $40-$60 a month for a few years, or your family coming up

with the $8,000 to $12,000?   

Many have procrastinated way too long!  By the time we are 65 or

older, insurance costs just get harder to afford and qualify for! 

Our age, and health condition determine these costs.

The time to act is now!  There are no free funerals.

The government only pays out $255 to our beneficiary.

Your family is important to you and protecting them is your top

priority. It’s always a good idea to look ahead at how they’ll be

taken care of should anything suddenly happens to you. Now there is an

affordable way to guarantee your family will have the cash they need to cover bills and other expenses after your death.

Term vs. Whole – you decide.

Term insurance is what it sounds like – it ends!

Most Term insurance “ends” at the worst time, when our parents

or you reach 70-80 years old. 

Since we are no longer in great health, and older, our rates to renew

or convert has quadrupled , or worse our health condition disqualifies

us and we are left with no way to protect our families.  

Most seniors are “persuaded” towards term insurance, because

the “rates” are lower. The risk is really on the seniors due to the

above, as we live longer, the risk to the insurance carrier of

paying out claims declines.

Plainly speaking, one must “die” before the “term” ends, to

receive benefits.  I don’t know about you, but I don’t want to have to

die early just to receive term insurance proceeds!!

Whole Life is, what it sounds like – stays in place your whole life!

As long as premiums are paid, this insurance will not end.

Cash values can build up, in case of hard times, it can be used to

pay the premiums. This is “very important” as many find themselves

paying for nursing home care, or increased medical bills make it

difficult to pay other bills.

By having cash value, most companies today allow the use of the

cash value to pay the premium to keep it in place without any

hardship on the individual and secure insurance for the purpose

intended!

For this reason “whole life” is a few dollars more expensive than term.

The lifetime guarantee, is priceless.

Technorati Tags: burial insurance, FINAL EXPENSE LEADS, FINAL EXPENSE TELESALES, Insurance Leads, Insurance telesales, Selling Final Expense