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Final Expense

High volume, consistent income, warm market. Master the FE space and build a reliable book of business.

What Is Final Expense?

Whole life policies covering end-of-life costs — $2,000 to $35,000 face amounts. Market is seniors aged 50–85.

Why FE?

  • ✅ No medical exam for most products
  • ✅ Fast issue — often same-day approval
  • ✅ Large, consistent prospect pool
  • ✅ Strong commissions and carrier support
  • ✅ Direct mail delivers motivated leads

Key Carriers

  • 🏢 Americo
  • 🏢 Mutual of Omaha
  • 🏢 Global Atlantic
  • 🏢 American Memorial Life
  • 🏢 Royal Neighbors

FE Sales Process

1

Order FE Leads

Direct mail leads are the gold standard. Order from Quility Funnel or your approved vendor.

2

Call & Set Appointments

Call within 24–48 hours. Schedule in-home or video appointments.

3

Run the Presentation

Fact-find, then present Level, Graded, or GI options based on health answers.

4

Take the Application

Complete the e-app on the spot. Set up bank draft. Use sfgquotes.com for quotes.

5

Follow Up

Check the carrier portal every 3–5 days. Call the client when the policy issues.