Selling Final Expense Insurance with an Insurance Field Marketing Organization (FMO)

There are numerous reasons why an agent may wish to start selling final expense insurance products.

With the help of an Insurance Field Marketing Organization (FMO), you can sell final expense designed to cover the basic cost associated with burial expense, final household and medicare bills, probate fees, and any funeral expenses after an individual passes away.

These costs can be a real significant problem for family members. Grieving family members do not need one more thing to worry about, and that is why final expense insurance exist.

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Why Final Expense Insurance Appeals to Consumers?

​It is important to realize that many funeral expenses can add up to more than $10,000 and can burden your loved ones.

​Final Expense insurance is often the right solution for clients who want coverage to help with these immediate needs after they pass away without all of the frustration and hassles associated with the comprehensive underwriting process. 

Final Expense insurance policies are much easier to understand and they tend to be issued quickly, too. 

Many older individuals easily connect with final expense insurance because it addresses their concerns about passing away and leaving behind a burden for their loved ones. 

Basics of Final Expense Insurance for The Agent

From your perspective as an independent insurance agent, you should be aware that final expense insurance is a simplified issued product that does not require any official medical exam. 

​Selling a simplified issued product means that the majority of your clients can qualify easily for final expense insurance, although applicants are typically only able to obtain policies with smaller face amounts.

One of the biggest benefits of final expense is that along with it being a more simple product to sell it is also fixed price for your clients

The steps are simple for getting started selling final expense insurance. Simply get in contact with an Insurance Field Marketing Organization and they will walk you through the entire process.

What Factors Impact Final Expense Insurance Coverage?

Final Expense instruments have options for insurance a client's life. The older that an individual is, the higher his or her premiums will be. This is, of course, because the insurance company takes on the mortality risk of ensuring an additional person.

Final Expense insurance gives you more flexibility than simply prepaying for your funeral and burial expenses. There are many different questions associated with the prepayment plan, including:

  • What happens to your investment if the funeral parlor goes out of business?
  • If you move to a different location, will you move the money that you can refund if your funeral plans change?

The bottom line is that a final expense insurance policy can help your clients answer the critical questions of how to deal with these costly expenses and to minimize the burden that family members deal with after a loved one passes away.

Which Clients Are The Best Fit for Final Expense Insurance?

​For you, Final Expense insurance may be the appropriate solution for many of your clients depending on their individual needs. 

For those applicants who have struggled to obtain affordable insurance through other carriers or have been denied altogether, final expense insurance is an excellent option to consider before turning to a Guaranteed Issued product such as Gerber Life or American General Insurance (AIG).

It's important for you to partner with an final expense insurance Field Marketing Organization with experience and can get you appointed with the best final expense insurance carriers in your market. 

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