What information do I need to quote final expense?
To quote final expense you usually need the caller's age or date of birth, state, gender where carriers use it, tobacco use, answers to health questions, the coverage amount they want and the monthly amount they are comfortable with. Gather these in a calm order. Explain that the details help you find prices they may actually qualify for.
When should I quote during the call?
Quote after you understand the caller's needs and have their health answers. Quoting too early can set an expectation that changes once health questions are asked. Start with needs, as covered in how to work an inbound final expense call, then health, then quotes.
How do health answers affect the quote?
Health answers determine which product types a caller is likely to qualify for, and that changes the price and whether there is a waiting period. A caller with few health issues may qualify for a level, full-benefit product; others may fit a product with a graded or limited benefit in the early years. See final expense underwriting basics for phone sales.
How do I choose coverage amounts to quote?
Start from what the caller wants the coverage to do. If they want to cover a funeral, ask what they expect it to cost or what amount feels right. Then quote that amount and, if helpful, one lower and one higher. Let the caller's budget guide the final choice.
How many options should I present?
Present two or three. One option can feel like pressure; many options can overwhelm. A simple set might be the amount they asked for, a slightly lower amount that fits a tighter budget, and a slightly higher amount if they want more cushion. Keep each explanation short.
How do I explain a quote clearly by phone?
Explain each option in plain words: the coverage amount, the monthly cost, whether the full benefit starts right away or after a waiting period, and that premiums are typically fixed for life on many final expense policies, where that is true of the product. Ask the caller to repeat back which option they prefer so you know they understood. Avoid jargon.
What if the quote is above their budget?
If the quote is above their budget, ask what monthly amount works and adjust the coverage amount to fit. A smaller policy that they can keep is often better than a larger one they may drop. More on this is in how to handle price objections in final expense.
What should I avoid when quoting?
Avoid promising approval before the carrier decides, quoting a product they clearly will not qualify for, or rushing past waiting periods. Never coach health answers. Follow each carrier's rules and your state's disclosure requirements.
What happens after they choose an option?
After they choose, move to the application following your carrier's phone process. Explain each step, confirm details and set up the first payment as required. If they want time, agree on a follow-up time; see how to follow up with final expense callers who aren't ready.
Where do I get callers to quote?
Inbound Final Expense Leads sends live calls from seniors who called about final expense coverage, in the states and hours you choose. Only calls of 90 seconds or longer are billed. See the hub on how to sell final expense over the phone, how inbound final expense leads work, and see pricing on the pricing page.
How do I keep quoting fast on a live call?
Keep quoting fast by having your quoting tool open and logged in before calls start, with common coverage amounts ready. Gather details in the same order each call so you do not jump around. While the quote runs, tell the caller what you are doing so the silence feels natural: 'I'm checking a few options for you now.'
How do I confirm the caller understood the quote?
Ask a simple check question: 'Just so I explained it well, which option sounds right to you, and what would it cover?' If their answer matches, move on. If not, explain the part they missed again in plainer words. Confirming understanding now prevents confusion later, when the policy arrives in the mail.