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Final Expense Telemarketing Leads

Final Expense Telemarketing Leads

Final Expense Telemarketing Leads
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In today’s final expense market, it can be a challenge to find the right lead program that will provide quality, exclusive and consistent prospects for the final expense market. For any independent agent that is selling final expense, it’s important to understand what to look out for before ordering any final expense telemarketing leads.

How Do Final Expense Telemarketing Leads Work?

Generally, final expense telemarketing leads target demographics to generate life insurance leads between the ages of 50 to 80 years old and between the income ranges of $15,000-$45,000. Before finalizing your order, make sure that your lead program has the following criteria:

  1. Exclusive Leads – Leads that are exclusive to agents and not resold or recycled to other local agents.
  2. Detailed Information on Prospect – Make sure that you are provided with a Name, Phone Number, Address and Email Address
  3. Scrubbed Lists – Make sure that the lead company scrubs the lists in order to be compliant with DNC regulations.
  4. Lead Portal – A CRM system that allows for tracking
  5. Quick Delivery – A decent turnaround time for leads should be anywhere from 2-7 business days.

Where Can I Purchase Final Expense Telemarketing Leads?

While there are many lead vendors and marketing services to explore, we have researched some of the top vendors in the nation who offer some of the best final expense telemarketing leads. Discounted pricing available by working with Pinnacle.

Here are a few to keep in mind:

  1. Lead Heroes – Offer over 6 different types of leads including live transfer, direct mail, and preset appointments. Exclusive leads, CRM included, discounts available.
  2. Target Leads – Reputable lead vendor with over 30+ years of experience. Exclusive leads, CRM included, discounts available.
  3. ARM Leads – Exclusive leads, competitive pricing, targeted mailings, discounts available.

How Can I Get Started Selling Final Expense Telemarketing Leads?

Pinnacle Financial Services offers discounted lead programs as well as direct contracts with dozens of insurance carriers in the senior market. Whether you are selling Final Expense, Annuities, or even Medicare, our seasoned sales directors can help you get started and guide you through the contracting process. Call Pinnacle today at 800-772-6881 or visit us online at www.pfsinsurance.com to get started!

Selling Final Expense? Need Leads? CLICK HERE!

For more information, contact a Pinnacle Financial Services representative today

1 (800) 772-6881 x7731 | sales@pfsinsurance.com

Mark Bolger

Mark Bolger

Director of Sales | Life & Final Expense

x7705 | mbolger@pfsinsurance.com

Contact a Pinnacle Representative if you have any questions.

1 (800) 772-6881
support@pfsinsurance.com

Contact Us

Contact a Pinnacle Financial Service representative today for assistance.

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Guaranteed Issue Final Expense Policies

Guaranteed Issue Final Expense Policies

Guaranteed Issue Final Expense Policies
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Guaranteed Issue final expense policies are extremely popular in the senior market due to its simplicity and no underwriting requirements. These plans are designed for clients who have recent or severe health issues that would normally disqualify them for any other life insurance policy. These plans are essentially the last option for anyone who has been highly rated or even declined for life insurance.

In today’s competitive market, it can be a challenge to find the right insurance carrier that provides the best rates, coverage, and benefits for your prospects and clients in the final expense market. For any independent agent that is selling final expense, it would be beneficial to have at least one or two guaranteed issue plans to offer in your portfolio.

What Are Guaranteed Issue Final Expense Policies?

Guaranteed Issue final expense policies are typically available for ages 50-85 with death benefits ranging from $1,000 – $40,000 depending on the carrier. ‘Guaranteed Issue’ refers to the underwriting portion of the policy where clients are automatically accepted regardless of their health. The applications have no health questions but will also have a limited death benefit for the first two policy years. The limited death benefit is typically ‘return of premiums’ plus 10% interest. If death occurs after the first two policy years, then the full death benefit is paid out. These plans are easy to explain and even easier to qualify for.

Who Offers Guaranteed Issue Final Expense Policies?

Over the last few years, more carriers have entered the guaranteed issue final expense market. Here are a few of the top final expense companies who offer the best-guaranteed issue plans for your clients:

How Can I Contract to Sell Guaranteed Issue Final Expense Policies?

Pinnacle Financial Services offers direct contracts with dozens of insurance carriers in the senior market. Whether you are selling Final Expense, Annuities, or even Medicare, our seasoned sales directors can help you get started and guide you through the contracting process. Call Pinnacle today at 1 (800) 772-6881 or visit us online at www.pfsinsurance.com to get started!

Selling Final Expense? Need Leads? CLICK HERE!

For more information, contact a Pinnacle Financial Services representative today

1 (800) 772-6881 x7731 | sales@pfsinsurance.com

Mark Bolger

Mark Bolger

Director of Sales - Life & Final Expense

x7705 | mbolger@pfsinsurance.com

Contact a Pinnacle Representative if you have any questions.

1 (800) 772-6881
support@pfsinsurance.com

Contact Us

Contact a Pinnacle Financial Service representative today for assistance.

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Top Final Expense Insurance Companies for Agents

Top Final Expense Insurance Companies for Agents

Top Final Expense Insurance Companies for Agents
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In today’s competitive market, it can be a challenge to find the right insurance carrier that provides the best rates, coverage, and benefits for your prospects and clients in the final expense market. Here at Pinnacle Financial Services, we make sure we have the top final expense insurance companies for agents available. For any independent agent that is selling final expense, it would be beneficial to have at least a few of these top carriers in your portfolio.

Who Are the Top Final Expense Companies for Agents?

While this can be ever-changing and debatable, the following list of final expense carriers is among the best in the industry. Not only are they A+ Rated carriers, but they have been in business for well over 70+ years. Here are a few of the top final expense companies and products for agents to work with:

What Do the Top Final Expense Companies for Agents Offer?

With these final expense carriers, you can expect not only the best rates for your clients but also the experience of quality agent/customer service as well as some of the top-paying commissions. All the final expense plans require no medical exam and have simplified issue underwriting (yes/no health questions) and guaranteed issue underwriting (no health questions, limited death benefit for 2 years). On top of the easy underwriting process, all these plans will include a no-cost accelerated death benefit rider for chronic and terminal illnesses. This means that if your client is diagnosed with a chronic or terminal illness, they can accelerate a portion of the death benefit to use for living expenses.

How Can I Contract with the Top Final Expense Companies?

Pinnacle Financial Services offers direct contracts with dozens of insurance carriers in the senior market. Whether you are selling Final Expense, Annuities, or even Medicare, our seasoned sales directors can help you get started and guide you through the contracting process. Call Pinnacle today at 800-772-6881 or visit us online at www.pfsinsurance.com to get started!

Selling Final Expense? Need Leads?

For more information, contact a Pinnacle Financial Services representative today

1 (800) 772-6881 x7731 | sales@pfsinsurance.com

Mark Bolger

Mark Bolger

Director of Sales | Life & Final Expense

x7705 | mbolger@pfsinsurance.com

Contact a Pinnacle Representative if you have any questions.

1 (800) 772-6881
support@pfsinsurance.com

Contact Us

Contact a Pinnacle Financial Service representative today for assistance.

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Selling Final Expense

Selling Final Expense

Selling Final Expense
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Selling final expense life insurance is a relatively simple process from start to finish, however, it’s important to review some of the processes and procedures that are often overlooked.

What is Final Expense?

Final Expense Life Insurance are whole life policies, with small death benefits ranging from as little as $1,000 to a maximum of around $50,000. This also means that these policies are a form of permanent life insurance designed to provide a guaranteed death benefit till age 120 as well as cash value accumulation. These plans are designed for the senior market (ages 50-85) and will never require a medical exam.

Types of Final Expense Plans

Typically, there are 3 main final expense plans which are offered to individuals based on their health status:

  1. Immediate Benefit Plan (Level)
    1st Day Coverage
    Best Rates for Clients
    Must answer ‘NO’ to all health questions
  2. Graded/Modified PlanLimited Death Benefit for first 2 policy years
    Moderate Rates for Clients
    Allows 1-2 ‘YES’ answers on health questions
  3. Guaranteed Issue PlanLimited Death Benefit for first 2 policy years
    Most Expensive Rates for Clients
    No Underwriting – Automatically Accepted

Selling Final Expense Virtually

Selling final expenses online or over the phone has become very popular over the last few years. Previously, most carriers required a face-to-face meeting with clients in order to process their applications. With virtual appointments being more common, many carriers have taken advantage of their virtual platforms in order to accelerate the sales process. Some final expense plans that allow you to submit electronic applications include Mutual of Omaha’s Living Promise, Transamerica’s Immediate Solutions, and Foresters PlanRight. Some carriers that offer both electronic and telephone applications include Americo’s Eagle Series, Accendo/CVS Health, and CIGNA final expense plans.

Are You Selling Final Expense?

Many agents who have added final expense to their portfolios have increased their sales and income by as much as 40%. Pinnacle Financial Services has all of the tools and resources needed to get agents set up to sell final expenses from start to finish. Give us a call today to set up an appointment with one of our marketing specialists.

Need Final Expense Leads? Click Here to Learn More

For more information, contact a Pinnacle Financial Services representative today

1 (800) 772-6881 x7731 | sales@pfsinsurance.com

Mark Bolger

Mark Bolger

Author Position

x7705 | mbolger@pfsinsurance.com

Contact a Pinnacle Representative if you have any questions.

1 (800) 772-6881
support@pfsinsurance.com

Contact Us

Contact a Pinnacle Financial Service representative today for assistance.

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Guaranteed Issue Life Insurance

Guaranteed Issue Life Insurance

Guaranteed Issue Life Insurance
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What is Guaranteed Issue Life Insurance?

Guaranteed Issue, refers to the no health underwriting portion of the life insurance policy. Traditional life insurance policies require clients to complete a full medical exam and provide the medical history to ensure that they’re in good health for the insurance company to take on their policy. This can be a lengthy and unpleasant process, especially when the client is rated or turned down completely. Guaranteed issue life insurance plans have no health questions, no underwriting, and clients are automatically accepted regardless of their health. Due to the limited underwriting, most guaranteed issue policies will have an automatic 2 year graded death benefit.

Who needs Guaranteed Issue Life Insurance?

Guaranteed Issue plans can be more expensive due to the limited underwriting, so it’s important that all other life insurance options have been explored before choosing a guaranteed issue plan. These plans are typically the only option for someone who…

  1. has been declined previously for life insurance,
  2. has serious health issues (cancer, AIDS/HIV, chronic or critical illnesses), or
  3. wants to avoid medical underwriting completely.

Who are the BEST Guaranteed Issue Life Insurance providers?

When it comes to evaluating the top guaranteed issue life insurance products, there are a few things to keep in mind. Besides the cost of premiums, we want to make sure that the graded death benefits are at least 2 years. Some guaranteed issue plans have a 3 or even 4 years graded death benefit that is just way too long and way too expensive for someone to purchase. Here are the top 4 guaranteed issue life insurance providers with their face amounts and graded death benefit periods:

AIG

Guaranteed Issue Whole Life

  • Face Amounts: $5,000 – $25,000
  • Death Benefit: 2 Year Limited Death Benefit with Return of Premium + 10%
  • Available for Ages 50-80
  • No Health Questions, No Underwriting
  • Only Guaranteed Issue plan on the market that includes no-cost accelerated death benefit rider for chronic and critical illnesses.

Sons of Norway

Guaranteed Issue Whole Life

  • Face Amounts: $5,000 – $25,000
  • Death Benefit: 2 Year Limited Death Benefit with Return of Premium + 5%
  • Available for Ages 0-85
  • No Health Questions, No Underwriting

Gerber Life

Guaranteed Issue Whole Life

  • Face Amounts: $5,000 – $25,000
  • Death Benefit: 2 Year Limited Death Benefit with Return of Premium + 10%
  • Available for Ages 50-80
  • No Health Questions, No Underwriting

Great Western

Guaranteed Issue Whole Life

  • Face Amounts: $1,000 – $40,000
  • Death Benefit: 2 Year Limited Death Benefit with Return of Premium + 10%
  • Available for Ages 40-80
  • No Health Questions, No Underwriting

For more information on Life Insurance, contact a member of our Life Sales team.

Need Life Insurance leads? Click Here.

For more information, contact a Pinnacle Financial Services representative today

1 (800) 772-6881 x6003 | lifesales@pfsinsurance.com

Mark Bolger

Mark Bolger

Director of Sales - Life & Final Expense

x7705 | mbolger@pfsinsurance.com

Contact a Pinnacle Representative if you have any questions.

1 (800) 772-6881
support@pfsinsurance.com

Contact Us

Contact a Pinnacle Financial Service representative today for assistance.

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