Life Insurance Quotes Online
Buy Final Expense Over The Phone. Get your instant Life Insurance Quotes Online. No Agent Visits.
Learn about senior options from your fingertips. Now you have the ability to obtain an instant Life Insurance Quotes Online. How does this option benefit you? š
No more high pressure sales
Buy when youāre ready
24 hours Instant life insurance quotes online
Weāre independent so you will be give multiple options for your protection
Agents vs life Insurance Quotes Online
Online Assurance Quote
Having the ability to obtain a final expense quote on your own time and terms is huge. Largely because it removes the lag time from when you mailed the lead card back to the insurance company and the two weeks it takes to contact you.
By the time youāre contacted either two has happen. One, you forgot the card was mailed in or two the agent contacted you at a bad time. So you blow the agent off and you never get covered.
Walking around not covered is never a good idea . š¤«
Now you and your family are in the drivers indemnity seat. The quote is at your finger tips and you select the product when you ready. No high pressure sale. When we get your information our office knows your ready to safeguard your family or self.
Think about this. Now you can select a life Ins plan that fits your budget and not the commission breath of the agents needs. If you want a $25.00 burial whole life policy or a $100.00 plan itās your choice. I think Burial plans are usually priced competitively between carriers. Also they understand people now days are on fixed income. So your monthly premium will never increase and your benefit will not decrease.
No medical exam for an online final expense quote.
The great part on obtaining a life insurance quote on line. Is that no medical exams are required that means No doctors visits, No blood draws, No EKGās to receive a final expense whole life insurance policy quote
Final expense price comparison
When it comes to making a payment long-term itās always a good idea to find the best rates for whole life insurance. This is done by comparing life insurance quotes online. The great news is this platform gives you the ability to do this research instantaneously.
Now days people do not like interacting or talking to each other in person. In addition our society has transformed into always having this small device in our hands called a Smart phone.
So it only makes sense when someone wants a life insurance quotes online or a product they have the ability to search for that item instantaneously via their smart applications. In addition these devices have powered the consumer. They are very savvy as to the cost and the details of the various life insurance policy rates.
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Seniors guide | Final expense insurance quote
How much more do smokers pay for final expense insurance
Smokers will pay approximately 30% to 45% more compared to a non smoker. One of the first questions on the application is, do you smoke cigarettes or have you used tobacco in the past 12 months. If you are a āYesā to this question.
Theirās a good chance your rates will be slightly higher. The insurance underwriting world considers you high risk due to the possible side effects of smoking.
Underwriting has two plans for this category non smoker vs smoker and it impact the cost of funeral insurance.
| 55 Female N/S Level Benefit plan $10,000 | $31.16 Payment |
| 55 Female S/ā¦.Level Benefit plan $10,000 | $44.57 Payment |
Comparison Example N/S non smoker vs S/ smoker.
Does vaping affect life insurance rates
Yes. although vaping is not considered traditional smoking. Insurance underwriters categorize vaping as tobacco use subsequently triggering a smokers rating. 30% to 45% more monthly premium will be paid to obtain a final expense insurance policy.
Best life insurance for tobacco users
Americo Financial Life has a new product geared towards smokers. For the first 3 years of the final expense policy. Itās rated as non smoking thus giving the insured 3 years to quit smoking. If the insured quits in 3 years the rates stay the same for the duration of the enforce policy.
Unfortunately if the insured does not quit smoking. The death benefit will be adjusted to reflect the smokers rating. 
Male vs Female life insurance rates
Unfortunately most underwriters consider males high risk compared to females. Thus causing higher monthly rates.
Men statistically die approximately 5 before women so this is another factor in funeral insurance cost.
| 55 Female N/S Level Benefit plan $10,000 | | $31.16 Payment |
| 55 Maleā¦.N/S Level Benefit plan $10,000 | | $36.86 Payment |
Comparison Example Female vs Male non smoker
Whole life insurance cost calculator
After every passing year the rates will increase. Thatās why itās so important to lock in your coverage rates. We recommend stop the procrastination because its only going to cost you more money.
Iām sure you would like the cheapest burial insurance.
| 55 Female N/S Level Benefit plan $10,000 | | $31.16 Payment |
| 57 Female N/S Level Benefit plan $10,000 | | $32.86 Payment |
| 59 Female N/S Level Benefit plan $10,000 | | $34.56 Payment |
| 55 Maleā¦..N/S Level Benefit plan $10,000 | | $36.86 Payment |
| 57 Maleā¦..N/S Level Benefit plan $10,000 | | $40.20 Payment |
| 59 Maleā¦..N/S Level Benefit plan $10,000 | | $43.52 Payment |
History of final expense sales
This can be a tricky topic because the life insurance business model has taken sometime to adjust with the times. The business model would have you believe that the life insurance agent needs to meet with you face to face to sell you a policy.
That theory was in play prior to the iPad, PC and cell phones and it worked. Today with a 24 hours news cycle and the digital age, consumers want their term for life insurance quote Now.
This has been a blessing and a curse, š Let me explain.
Blessing
Insurance agencies are on the front lines selling the Insurance carriers products because most carriers do not sell direct to the buyer. The agencies see first hand the complaints and the needs of the consumer. This data has been collected for years and the carriers have been notified.
Curse
Due to the fact many agencies sell for the carriers. ultamentaly its up to the carries to upgrade their systems to move with the times. Unfortunately the infrastructure was not set up to sell over the phone remotely for many years so the agencies were at the mersey of the insurance companies. This caused agents to sell face to face longer that they wanted to make a honest living.
The dirty little secret on why some Final expense insurance companies still sell face to face.
There are so many angles to this one topic but we will jump right in from several angles and perspectives.
Final Expense Lead cost
Leads are an industry unto itself. Better yet big profits for the lead generation companies, agencies and insurance carriers šš. So when the average direct mail lead cost some where around $35.00 to $45.00 per lead. You better believe if the agent has not been able to contact you via the phone. He or she will knock on your door to sell you a policy.
Also with all the robo calls flooding the market. No one answers their phone anymore from calls not logged into ones contacts. So this even makes it harder to speak to the prospect via the phone. š©
Take out the middleman
In my opinion the best way the agent can service there community is to go out door to door and knock neighborhoods. Well this is a dying technique but ultimately you will meet wonderful people and be able to protect families like yours. Remember this system is built on debt keeping the agents beholden to the lead machine. As a result of cold door knocking this empowers the agent and he or she will become more of a skilled technician in their craft after knocking on thousands of doors
Remember in a prior paragraph. I had mentioned people do not like talking to one another. Well this also applies to life insurance agents. Only 5% of life insurance agents actually cold door knock because of the fear factor. Even if you were offering a free quote to protect a family regarding final expense insurance. The life agent would rather spend $40 on a direct mail lead instead of actually self generating via cold door knocking. Agents have a false sense of security with a lead in hand. The lead as a friend of mine said years ago āis just a propā Rob R.
Itās a win-win for all parties because of the synergy
So why not go to the consumer direct thatās why I am a strong believer in cold door knocking. You become the neighborhood final expense insurance person in addition you become more skill. If you have canvas the neighborhood long enough you will then be provided with referrals from residents.
I know you may be asking how does this impact me as a final expense consumer when youāre talking about leads and life agents. Well when an agent is skilled in the Life insurance industry. They can actually service you based on your needs instead of actually only placing you on one product that theyāre familiar with.
Face to Face vs Phone sales
Face to Face life insurance sales
When running a Final expense direct mail lead face to face without making a prior telephone appointment can be at times difficult. If you are new to the industry you can blow through a lot of lead debt as a result of not being able to sit down with the client but if you are allowed to enter the home it can be a game changer for the family youāre presenting to
My personal experience In the final expense industry. Selling in the this manner is an easier close. Let me explain why. During the sales presentation. Your agent has presented all of the slides, illustrations and best selling material possible to mankind. The Final expense agent has built report, trust and urgency. Plus if the presentation was good. Subsequently an emotional connection to the product, closes the deal.
This is only true if the person who initially mailed the lead card back is receptive to obtaining the information. Ultimately every one wants to do the best thing for their family in regards to protecting them with a whole life final expense product . The key is to find the needs, wants and affordability of the consumer so when you walk away that client knows you have fully serviced them.
Phone life insurance sales
Telephonic sales is the complete opposite. Itās hard to present the information because the prospect can not see the material. The prospect has no connection with the product and they may not trust you. I think itās easier for the prospect to just hang up the phone. āļø An this is why I think final expense insurance is sold face to face. The lead generation farms know the numbers. 3 of 10 leads will buy and 7 will not, 30% closing ratio is the industry average.
I think the agent has a better fighting chance in person than on the phone to close a deal. Unless the consumer has received a life insurance online quote where they were able to compare the rates. If this has occurred you then transition from actually not selling a burial insurance product but answering any questions the consumer may have regarding the whole life insurance products. The client at this point knows exactly what they are looking for and thereās no reason for the life insurance agent to attempt to sell them. You have now become a service agent. Serving the needs of the consumer and not selling them a product.
