What is a final expense live transfer?
A live transfer is a call passed to you while the caller is still on the line. Your phone rings, you answer, and the conversation starts right away. There is no callback, no voicemail and no waiting to see if someone picks up.
Here, every transfer is an inbound final expense call from a senior who called about final expense coverage. It rings the number you choose, during the hours you choose, from the states you choose.
Why inbound calls?
Each transfer is a senior who called in about final expense coverage. They picked up the phone themselves, which is why an inbound call is the highest-intent final expense lead an agent can get. More on Inbound calls.
How is a live transfer billed?
A transfer is billed only when the call lasts 90 seconds or longer with you. If the call drops or the caller hangs up sooner, it is not billed. The price and first order size are on the final expense lead pricing page.
What should I have ready before transfers start?
A phone you will answer during your chosen hours, your licensed states, and a quoting tool you are comfortable using while you talk. Because the caller is live, being ready matters. A missed transfer is a missed conversation, so pick hours you can cover.
Agencies often route calls to a team line or to the agent on shift. Tell us the number your calls should ring and we set it up.
How soon do live transfers begin?
Calls usually start within 3 to 7 business days after you order. First we confirm your states, hours and phone number. Then calls begin during your chosen hours.
How do I keep track of my transfers?
Keep a simple log with the date, time, length and outcome of each call. Your phone's call history already shows call length, which is what billing is based on. A log also shows which hours suit you, so you can adjust them before you reorder.
What if I miss a call?
A missed live transfer is a missed conversation, so choose hours you can fully cover. Because the caller is live, there is no record to call back later the way there is with a list. The surest protection is a call window you know you can keep, even if it is short.
If your day changes often, consider routing calls to an agency line where another licensed agent can answer, or call (470) 597-3831 to adjust your hours. Billing follows the same rule either way: only calls that last 90 seconds or longer with you are billed. More on how short and dropped calls are handled is on what counts as a billable final expense call.
How are final expense live transfers different from life insurance live transfers?
Final expense live transfers are seniors who called in about final expense coverage; general life insurance live transfers can be about term, whole life or other products. When a transfer could be about any life product, you may spend the first minutes finding out what the caller wants. When every call is about final expense, you can open with final expense questions.
The full comparison is on live transfer life insurance leads. For how live transfers compare with web form, direct mail and aged leads, read how to choose final expense leads.
How should I open a live transfer?
Open with your name, a warm greeting and a simple question about what the caller wants. Be ready the moment your phone rings: phone charged and on, quoting tool open, and a short opening you can say without thinking. Live transfers reward agents who answer quickly and calmly. Keep a list of the questions you ask on every call, such as age, state, health and budget, so the conversation flows.
Make sure your licenses are active in every state you pick, and set hours in your callers' local time. The final expense leads by state guide helps with time zones. For the first minute of the call, see the phone sales guides linked below.
Who should not buy live transfers?
Live transfers are not for agents who cannot answer during their chosen hours or who are not licensed in the states they pick. They also may not suit agents who prefer to work at their own pace from a list, with time to research each person before calling.
If you are new to selling by phone, live transfers can still work, but practice your opening and your quoting first. The how it works page explains what to prepare before calls start.
What happens if a transfer drops?
If a transfer drops before 90 seconds, it is not billed. If it drops after a real conversation has started, follow the steps your own process uses for callbacks, and keep notes so you know where you left off. The guide on how to handle a dropped final expense call covers what to say and what to log. To measure results over a whole order, use the final expense lead cost calculator, and see pricing for the per-lead price.
Can an agency route transfers to several agents?
Yes. Give us one number, such as a team line or a call queue, and your agency decides who answers. Every agent who picks up should be licensed in the states you choose, and your hours should match when your team is on shift.
Agencies buy the same way solo agents do, with the same 90 second billing rule and no contract. The guide on final expense leads for agencies covers routing, shifts and tracking across a team.
How many transfers should I start with?
Start with enough calls to judge the service on more than a handful of conversations, at a pace your hours can handle. The right amount depends on how many hours you can cover and how many agents will answer. The guide on how many final expense leads to buy to start walks through the decision without guessing at call volumes, and the order size is on the pricing page.
What should I say when a transfer connects?
Greet the caller, give your name and ask how you can help with their final expense coverage. Keep it short and friendly, and speak a little slower than you normally would. Many callers are seniors on a landline or a hearing aid, and a calm pace helps them stay on the line. Smile as you talk; it changes your tone, and callers can hear it. The senior called in, so let them tell you what prompted the call before you start asking your own questions.
Then move into the basics you need to quote: age, state and health. Explain why you ask each question. The guide on what to say in the first 30 seconds of a final expense call has example openings, and how to close a final expense sale on the phone covers the end of the call.