Your Trusted Partner in Final Expense Insurance:
Medicare Planning Partners

As a trusted Insurance Field Marketing Organization (FMO), Medicare Planning Partners is committed to accelerating your contracting process, providing access to top-tier products like Medicare Advantage, Medicare Supplement, and Final Expense insurance. Our extensive experience as Medicare agents equips us with the insights necessary to foster your agency’s growth.

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Final Expense Insurance

Why Choose Final Expense Insurance?

Final expense life insurance, also known as burial insurance, is designed to cover the costs associated with the passing of the insured. This includes funeral and burial services, hospital fees, and credit card debts. The average cost of a funeral can range between $7,000 and $9,000, often exceeding the budget of many seniors and their families.

With approximately 10,000 Americans turning 65 every day, the market is expanding rapidly. The appeal lies in its affordability, fixed premium rates, and the peace of mind it provides with rapid issues of benefits. Plus, the simplified application process is a definite advantage.

Starting Your Journey in Final Expense Insurance Sales

No prior experience in insurance? No problem. Many successful final expense agents ventured into this field from diverse industries. However, understanding the final expense market is crucial to maximize your sales potential.

Just like any business venture, selling requires commitment. We recommend having a disposable income of $5,000 – $7,000 saved up before beginning in final expense sales.

Medicare Supplement

Final Expense Insurance Vs. Life Insurance

Final expense insurance, while classified as a type of permanent life insurance, offers unique benefits:

Lower Premiums: Final expense policies are generally more affordable than typical life insurance, catering to those who might find the latter too pricey.


Simplified Application Process: Unlike traditional life insurance, final expense insurance doesn’t require an exhaustive medical exam. A few questions, and your client’s eligibility should be confirmed.

Tips to Master the Art of Selling Final Expense Insurance

Becoming a successful final expense agent requires time, dedication, and a strategic approach. Here are some in-depth tips to help you maximize your sales:

  • Understand Carrier Underwriting: Familiarize yourself with the underwriting guidelines of different insurance carriers. Understanding how they handle various health conditions will allow you to effectively serve your clients’ needs. We recommend creating a cheat sheet for easy reference as you read up on these guidelines.

  • Work Your Leads Efficiently: Learning how to effectively manage your leads can significantly boost your revenue. Establish a consistent plan for addressing common issues with insurance leads and stick to it. Once you’ve exhausted your direct mail and telemarketing leads, turn to an internet lead program and continue reaching out through as many channels as possible.

  • Build Relationships: In insurance sales, relationships are everything. Make a point of following up with clients and keeping them informed. This not only helps you maintain a solid customer base, but also generates referrals.

  • Use Technology: Utilize CRM systems to manage your clients and leads effectively. Technology can help you stay organized, follow up promptly, and provide better service to your clients.

  • Personalize Your Approach: Every client has unique needs. Take the time to understand your client’s specific circumstances and tailor your sales pitch accordingly. This personalized approach can greatly increase your sales and client satisfaction.

Remember, selling insurance is about helping people secure their financial future. When you put their needs first, success will follow.

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