Why does a license matter for final expense leads?
A license matters because final expense is life insurance, and selling life insurance requires a license in the state where the buyer lives. A lead is only useful if you can legally help the person on the other end. If a senior from a state where you are not licensed calls, you cannot write their policy.
That is why Inbound Final Expense Leads asks you to choose your states. Calls are routed only from the states you choose, so choosing only licensed states keeps every call one you can serve.
What license does a final expense agent need?
A final expense agent generally needs a life insurance license, sometimes called a life producer license, issued by the state. Requirements usually include pre-licensing education, a state exam and a background check, and they differ by state. After licensing, agents keep the license active with continuing education and renewals. Each state's department of insurance publishes its own requirements.
What is a resident license vs a non-resident license?
A resident license is issued by the state where you live; a non-resident license lets you sell in another state. Most agents get a resident license first, then apply for non-resident licenses in additional states. Each non-resident license is issued by that state's insurance department, and each has its own fees and renewal rules.
Do I also need carrier appointments?
Usually, yes. Many insurance carriers require agents to be appointed with them before submitting business, and some appointments are state specific. A license lets you sell in a state; an appointment lets you sell a specific carrier's products there. Check with your carriers or upline before adding a state to your call list.
Can an unlicensed person buy leads?
Some vendors may sell records to anyone, but an unlicensed person cannot legally sell insurance to the people in them. Our service is built for licensed final expense agents and agencies who will take live calls and sell in their licensed states. If you are not yet licensed, get licensed first, then read final expense leads for new agents.
How do agencies handle licensing across states?
Agencies handle it by routing each call to an agent licensed in the caller's state. An agency can cover more states by combining its agents' licenses, as long as no call reaches an agent who cannot sell in that state. See final expense leads for agencies.
How do I choose states based on my licenses?
List every state where you hold an active license, remove any where you lack carrier options, and choose from the rest. Then check time zones against your hours. Step-by-step help is on how to pick states for your final expense calls, and the time zone table is on final expense leads by state.
What other rules apply when selling by phone?
Each state's insurance department sets rules for agents, such as disclosures, replacement forms and continuing education. Phone sales may have additional requirements, such as how applications are signed. Follow your carriers' procedures and your state's rules. We do not give legal or compliance advice. For phone-specific process, see how to sell final expense over the phone.
How do I get started once licensed?
Once licensed, choose your states and hours and place an order. Calls usually start within 3 to 7 business days, with no long-term contract. See how inbound final expense leads work and see pricing on the pricing page.
How do I check that my licenses are active?
Check each license through the state's insurance department, which usually offers an online lookup by name or license number. Note each renewal date and continuing education deadline in your calendar. Many agents also use the national producer database lookups that states participate in. Before each order, review your list so you only choose states where your license is current.
What happens if a license lapses during an order?
If a license lapses, stop taking calls from that state until it is renewed. Call (470) 597-3831 to remove the state from your list. Selling in a state without an active license can create serious problems with the state and with carriers, so it is worth checking dates ahead of time.