📞 Final Expense Life Insurance Phone
Sales Script
1. Introduction
Agent:
“Hello [Prospect’s Name], this is [Your Name] with [Agency Name]. The reason I’m calling
is that many seniors are looking for affordable coverage to help their loved ones with final
expenses such as funeral costs, medical bills, or other outstanding debts. Does that sound
like something that would be important for your family?”
(Wait for response, acknowledge, and transition.)
2. Fact-Finding (Qualifying Questions)
Agent:
“Great, thank you. To make sure I recommend the best plan for you, I just need to ask a
few quick questions:”
1. “May I ask your age?”
2. “Do you currently have any life insurance coverage in place?”
3. “Who would be financially responsible if something happened to you tomorrow?”
4. “Have you ever been declined for life insurance before?”
5. “Do you currently receive Social Security, pension, or another form of income?”
(Listen carefully and take notes—this builds trust and helps with tailoring the pitch.)
3. Presentation (Value Proposition)
Agent:
“Based on what you’ve shared, I think a Final Expense Life Insurance plan would be a
great fit. Here’s why:
• It’s designed specifically for seniors like yourself.
• There are no medical exams—just a few simple health questions.
• Your monthly rate never increases and your coverage never decreases.
• The benefit is paid directly to your loved ones within days, so they have immediate
financial help when it’s needed most.
• Most people use this to cover funeral costs, outstanding debts, or even leave a
little legacy behind.”
4. Closing
Agent:
“Most of my clients choose between $10,000 and $20,000 of coverage because the
average funeral today costs over $9,000. With your budget in mind, let me ask—would you
feel more comfortable starting with $10,000 in protection, or would $15,000 give your
family more peace of mind?”
(Give two choices instead of yes/no to guide decision-making.)
5. Common Objections & Rebuttals
Objection 1: “I can’t afford it.”
Rebuttal:
“I completely understand. Most of my clients are on a fixed income, which is why these
plans are designed to fit almost any budget. We can look at a plan as low as [$30–
$40/month]. Would you feel more comfortable starting with a smaller benefit amount and
increasing later if needed?”
Objection 2: “I already have coverage.”
Rebuttal:
“That’s great—you’re already planning ahead. Many of my clients also had some coverage
but realized it wasn’t enough to cover today’s rising funeral costs. This plan can
supplement your existing policy so your loved ones won’t be left with out-of-pocket
expenses.”
Objection 3: “I need to think about it.”
Rebuttal:
“Of course, this is an important decision. Just keep in mind—your age and health
determine your eligibility. Locking in your coverage today guarantees your rate never goes
up and your coverage never goes down. Let’s at least get you qualified now, and you’ll have
30 days to review everything risk-free. If it doesn’t fit, you can cancel for a full refund.”
6. Final Close
Agent:
“Let’s go ahead and get you protected today so your family has peace of mind. Can we
start with your date of birth to get the application process started?”