Final Expense Leads by State

How do final expense leads by state work?

Final expense leads by state work by routing. When a senior calls about final expense coverage, the call is matched to an agent whose chosen states include the caller's state and whose hours are open at that moment. If you choose three states, only callers from those three states can reach you. If you choose ten, callers from all ten can.

That makes your state list one of the biggest choices you make. It decides who can call you, when they are likely to call, and which products and rules apply on each call. There is one page instead of a page per state because the process is the same everywhere: hold a license, check the time zone, set your hours and choose the state when ordering.

How do I choose my states?

Choose your states by starting with licensing, then checking time zones and the hours you can really cover. Agents must hold an active license in each state where they sell, so your list can only include states where you are licensed. Your resident license comes from your home state; other states issue non-resident licenses, each with its own renewal dates, continuing education and fees. Many agents also confirm carrier appointments and products in a state before adding it. See do you need a license to buy final expense leads.

Next, look at time zones. Callers call in their own local time, so a state one or two zones away shifts when your phone is likely to ring. Then write down the hours you can answer live, every day you plan to work. A state is only useful if your hours overlap sensible times for its callers; see how to choose your final expense call hours.

Finally, start with a few states and add more. A short list means fewer rules, products and forms to learn at once, which helps you handle each call well. Once your first orders feel easy to cover, add states as your licenses allow. The full decision process is in how to pick states for your final expense calls. This is general information, not legal advice.

What should I know about final expense leads in Texas?

Texas runs on two time zones: almost all of the state is on Central time, while El Paso and Hudspeth counties in the far west use Mountain time. When you set hours for Texas, callers in the west are one hour behind the rest of the state, so an 8 a.m. Central start is only 7 a.m. for them. A start time that suits both groups avoids very early rings for western callers.

Agents selling to Texas residents are licensed by the Texas Department of Insurance. If Texas is not your home state, you need a non-resident license from the Texas Department of Insurance before choosing it.

To add Texas when you order, confirm it in your state list during setup after you place your order, along with your hours in your own time zone. If you already have an order running, add Texas when you reorder or call (470) 597-3831.

What should I know about final expense leads in Florida?

Florida is mostly on Eastern time, but the western Panhandle, west of the Apalachicola River, uses Central time. That means a caller in the western Panhandle sees a clock one hour earlier than a caller in the rest of the state. If you end your day at 6 p.m. Eastern, western Panhandle callers lose their 5 p.m. hour, so think about whether a later finish fits your schedule.

In Florida, agent licensing is handled by the Florida Department of Financial Services rather than a body named a department of insurance. Non-resident agents apply to the Florida Department of Financial Services for a Florida license.

Adding Florida works the same as any other state: once your Florida license is active, list Florida when you confirm your states and hours after you place your order, or add it to a later order by calling (470) 597-3831.

What should I know about final expense leads in Georgia?

Georgia uses a single time zone, Eastern time, across the whole state. That keeps hour planning simple: whatever hours you set in Eastern time are the same hours Georgia callers see on their own clocks. For agents who live on Eastern time, Georgia lines up one to one with the working day.

Georgia licenses agents through the Georgia Office of Commissioner of Insurance and Safety Fire. That office issues resident licenses to Georgia agents and non-resident licenses to agents from other states, so confirm your Georgia license is active before you add the state.

When you order, include Georgia in the state list you confirm during setup. If Georgia shares your time zone, you will not need to adjust your hours for it. To add Georgia to an existing setup, add it when you reorder.

What should I know about final expense leads in North Carolina?

North Carolina is entirely on Eastern time, from the coast to the mountains. If you work from a Central or Mountain time zone, remember that North Carolina callers are one or two hours ahead of you, so their evening ends earlier in your day. An agent on Pacific time would need to start early to cover North Carolina mornings.

The North Carolina Department of Insurance licenses agents who sell to North Carolina residents. Agents from other states need a non-resident license from the North Carolina Department of Insurance before taking calls from the state.

To include North Carolina, list it with your other states when you confirm your setup after you place your order. Write your hours in your own time and check how they read in Eastern time. You can add North Carolina later when you reorder or by phone.

What should I know about final expense leads in South Carolina?

South Carolina sits fully in the Eastern time zone, so there is no split to plan around. If you also choose Georgia or North Carolina, all three share one clock, which makes it easy to set a single block of hours that suits callers in every one of those states.

Agents selling to South Carolina residents are licensed by the South Carolina Department of Insurance. Check that your South Carolina license, resident or non-resident, is active and that you have products available there before you add it.

Adding South Carolina takes one step: include it in the states you confirm during setup after your order. If you are adding it to an existing order, call (470) 597-3831 or add it when you place your next order.

What should I know about final expense leads in Tennessee?

Tennessee is split between two time zones. East Tennessee, including Knoxville and Chattanooga, is on Eastern time, while Middle and West Tennessee, including Nashville and Memphis, are on Central time. A call from Knoxville and a call from Memphis at the same moment come from clocks an hour apart, so set hours that make sense for both halves of the state.

Licensing for Tennessee agents runs through the Tennessee Department of Commerce and Insurance. Agents from other states need a Tennessee non-resident license from the Tennessee Department of Commerce and Insurance.

To add Tennessee when you order, list it among your states during setup and set hours that cover both its Eastern and Central callers. To add it to a running setup, include it when you reorder.

What should I know about final expense leads in Alabama?

Alabama observes Central time statewide. For an agent on Eastern time, Alabama callers are one hour behind, so a 9 a.m. Eastern start meets Alabama callers at 8 a.m. their time, and a 7 p.m. Eastern finish ends at 6 p.m. for them. Agents on Central time get a direct match.

The Alabama Department of Insurance licenses agents who sell in Alabama. Whether Alabama is your resident state or a non-resident state, keep that license active, because callers from Alabama can only be helped by an agent licensed there.

When you order, add Alabama to the states you confirm during setup after you place your order. If Alabama is your only Central time state, check that your hours still fit its callers. You can add it later by calling (470) 597-3831.

What should I know about final expense leads in Louisiana?

Louisiana is on Central time across the whole state. If you pair it with neighboring Mississippi or most of Texas, they all share the same clock, so one set of hours covers each of them without any adjustment.

Agents selling final expense to Louisiana residents are licensed by the Louisiana Department of Insurance. If you live elsewhere, apply to the Louisiana Department of Insurance for a non-resident license and confirm it is active before adding Louisiana.

Adding Louisiana is part of the normal setup: after you place your order, include it in your state list and confirm your hours and the phone number calls should ring. To add Louisiana to an existing setup, include it on your next order.

What should I know about final expense leads in Mississippi?

Mississippi uses Central time throughout the state. If you work on Eastern time, Mississippi callers are an hour behind you, so your last hour of the day is their second to last. If you work on Mountain or Pacific time, they are ahead of you, and their evening comes earlier in your afternoon.

The Mississippi Insurance Department licenses agents for the state. Agents from outside Mississippi apply to the Mississippi Insurance Department for a non-resident license before selling there.

To add Mississippi, list it with your other states when you confirm setup after ordering. If you already take calls, add Mississippi when you reorder or by calling (470) 597-3831 once your license is active.

What should I know about final expense leads in Ohio?

Ohio is entirely on Eastern time. Because it shares a clock with Pennsylvania and much of Kentucky, agents who choose these states together can set one schedule and know that most callers see the same time. Agents in Central time should remember Ohio callers are one hour ahead.

Agent licenses in Ohio are issued by the Ohio Department of Insurance. Non-resident agents need an Ohio license from the Ohio Department of Insurance, and should confirm products are available to Ohio residents before adding the state.

When you order, include Ohio in the states you confirm during setup, along with the hours you will answer live. To add Ohio to a running setup, add it when you reorder.

What should I know about final expense leads in Pennsylvania?

Pennsylvania uses one time zone, Eastern time, statewide. If you live in a western time zone and choose Pennsylvania, plan for callers who are two or three hours ahead; for an agent on Pacific time, a Pennsylvania caller's 6 p.m. is 3 p.m. in your day.

The Pennsylvania Insurance Department licenses agents who sell to Pennsylvania residents. Agents from other states apply to the Pennsylvania Insurance Department for a non-resident license.

To add Pennsylvania, include it in the state list you confirm after you place your order and make sure your hours cover sensible Eastern time hours. You can also add it on a later order or by calling (470) 597-3831.

What should I know about final expense leads in Kentucky?

Kentucky is split between two time zones: the eastern half, including Lexington and Louisville, is on Eastern time, while the western half, including Bowling Green and Paducah, is on Central time. Callers in the west are one hour behind callers in the east, so a schedule that starts and ends at reasonable times for both halves works best.

Agents selling in Kentucky are licensed by the Kentucky Department of Insurance. Non-resident agents need a Kentucky license from the Kentucky Department of Insurance before choosing the state.

To add Kentucky when you order, list it during setup and set hours with both of its time zones in mind. If you already take calls, include Kentucky on your next order.

Which time zone does each state use?

Each state and DC uses the time zone or zones in the table below. Twelve states are split between two zones: Texas, Florida, Tennessee, Kentucky, Indiana, Michigan, Kansas, Nebraska, North Dakota, South Dakota, Idaho and Oregon. Alaska uses Alaska time, with the western Aleutian Islands on Hawaii-Aleutian time. Hawaii uses Hawaii-Aleutian time.

Most of the country observes daylight saving time. Hawaii does not, and Arizona does not except the Navajo Nation, so their offset from other states changes during the year.

What does a schedule look like across Eastern, Central, Mountain and Pacific?

When it is 9 a.m. Eastern, it is 8 a.m. Central, 7 a.m. Mountain and 6 a.m. Pacific during most of the year. When it is 5 p.m. Eastern, it is 4 p.m. Central, 3 p.m. Mountain and 2 p.m. Pacific. So an agent on Eastern time who only works 9 to 5 will reach western callers mostly in their morning and early afternoon.

An agent on Pacific time working 9 to 5 local time covers noon to 8 p.m. Eastern. Neither is wrong. Pick hours and states that overlap well, and remember daylight saving changes for Arizona and Hawaii.

How do I plan hours for split states?

Plan for a split state as if callers could be in either zone. Start your hours late enough and end them early enough that both groups can call at sensible times. Write the start and end of your day in both zones to check.

How do agencies choose states?

Agencies combine their agents' licenses to cover more states, as long as each call reaches an agent licensed in the caller's state. Agents in different time zones can also extend the agency's hours. See final expense leads for agencies.

How do I set my states when I order?

You set your states after you order. The order button opens an order summary first; then you call (470) 597-3831 to place the order. After that, you confirm your states, your hours and the phone number calls should ring. Calls usually start within 3 to 7 business days once those are confirmed; see how fast do final expense leads start after you order. See pricing on the pricing page.

Whatever states you choose, the billing rule is the same everywhere: a call is billable only when it lasts 90 seconds or longer, and shorter calls are never billed. See what counts as a billable call. For the full steps, see how inbound final expense leads work.