How to Sell Final Expense Insurance by Telesales: Complete Agent Guide
Final expense insurance is one of the most in-demand products in the insurance industry -and it's perfectly designed for telesales. With strong per-policy commissions, straightforward applications, and a clear emotional need, final expense is an ideal product for agents who want to build a phone-based business.
What is final expense insurance? It's life insurance specifically designed to cover funeral and burial costs. Typical face amounts range from $5,000-$25,000 with affordable premiums of $30-150/month. There's no medical exam required (simplified issue), quick approval, and it targets ages 50-85.
Why it's perfect for telesales: The product is straightforward, the emotional need is clear (protecting family from burial debt), decisions happen quickly, no in-person meeting is required, commissions are competitive, and satisfied customers refer their family members. This guide will show you how to sell final expense by phone and build a sustainable income through consistent daily activity. Results vary based on effort, skill, consistency, market conditions, and lead quality; no income guarantees.
Your Earning Potential Selling Final Expense by Phone
Commission Breakdown
- Per-sale commission: Competitive, paid per issued policy
- Commission structure: 80-120% of annual premium
- Advance payment: Get paid upfront
- Renewals: Earn on policy renewals (varies by carrier)
Part-Time
20 hours/week, 100-150 calls/day
4-6 sales/week
Build meaningful supplemental income
on a flexible schedule
Great fit for a side career
Full-Time
40 hours/week, 250-350 calls/day
10-16 sales/week
Scale income significantly
with consistent daily activity
A full-time career path
Top Producers
High volume, consistent daily activity
20-24 sales/week
Top-tier production
driven by elite consistency and skill
Results vary by effort and market
TPG agents selling final expense via telesales build profitable businesses through consistent daily activity
Reality check: This requires consistent daily activity. Success comes from volume of quality conversations, not luck.
The Final Expense Telesales Process
Get Quality Leads
- • AI-powered, data-enriched prospects (TPG provides access)
- • Ages 50-85, expressed interest in coverage
- • Verified contact information
- • Pre-screened for income/insurability
Make Initial Contact Call
- • Introduction and rapport building
- • Verify information
- • Establish need for coverage
- • Set expectations for application
Present Coverage Options
- • Explain benefit amounts
- • Show premium costs
- • Compare multiple carriers
- • Handle objections
Complete Application
- • Take application over phone
- • Simple health questions
- • Verify information
- • E-signature or recorded consent
Submit to Carrier
- • Instant decision or underwriting review
- • Most cases: Approval within 24-48 hours
- • Electronic policy delivery
- • Commission paid 2-4 weeks after issue
Average Call Time
20-30 minutes
for full sale
Conversion Rate
15-25%
with quality leads and good scripts
Important: Conversion rate means you need to make significant volume of calls to generate sales. Success = consistent daily calling activity.
How TPG Trains Agents in Final Expense Telesales
AI-Powered, Data-Enriched Leads
Access to TPG's proprietary lead system:
- • Fresh leads delivered daily
- • Pre-qualified prospects with verified information
- • Higher contact and conversion rates than cold calling
Proven Scripts
Battle-tested scripts that convert:
- • Opening scripts for cold/warm leads
- • Objection handling responses
- • Closing scripts that work
- • Recorded call examples
Daily Training
Live training Monday-Friday:
- • Objection handling practice
- • Role-play scenarios
- • Product knowledge updates
- • Real-time Q&A sessions
Technology Platform
Professional tools to maximize efficiency:
- • CRM system for lead management
- • Auto-dialer for efficiency
- • Call recording for self-review
- • E-application platform
Multi-Carrier Access
Offer the best solution for each client:
- • Multiple A-rated insurance companies
- • Find best rates for each prospect
- • Increase closing ratio
- • Diversify your business
Personal Mentorship
One-on-one support from successful producers:
- • Assigned mentor who's a top producer
- • Listen to your calls and provide feedback
- • Answer questions in real-time
- • Help you overcome challenges
ALS30 Program
TPG's signature 30-day intensive training program that takes you from licensed to first sale in 2 weeks:
- 30-day intensive training
- From licensed to first sale in 2 weeks
- Daily accountability
- Proven systems that work
Handling Final Expense Objections
Learn exactly what to say when prospects object. These proven responses turn resistance into sales.
OBJECTION: "I can't afford it"
RESPONSE:
"I understand budget is important. That's exactly why we're looking at final expense - so your family doesn't have the financial burden of $10,000-15,000 in funeral costs. We can start with a smaller benefit amount that fits your budget, even as low as $30-40/month."
OBJECTION: "I need to think about it"
RESPONSE:
"I completely understand. What specifically would you like to think about? Is it the coverage amount, the premium, or something else? Let's address that now while I have you."
OBJECTION: "I need to talk to my spouse"
RESPONSE:
"That's very thoughtful. Is your spouse available now? I'd be happy to explain the coverage to both of you together. It's important you're both on the same page about protecting your family."
OBJECTION: "I already have life insurance through work"
RESPONSE:
"That's great that you have some coverage! Let me ask - does that coverage stay with you if you leave your job or retire? Most employer coverage ends when employment ends, which is why having your own policy is so important."
OBJECTION: "I'm too old/sick to qualify"
RESPONSE:
"Actually, final expense policies are designed specifically for seniors and have very lenient health questions. Most people qualify even with health conditions. Let's go through the simple questions and see - it only takes 2 minutes."
TPG provides full objection handling guide with 50+ responses
Who Buys Final Expense Insurance?
Demographics
- Age: 50-85 (sweet spot: 60-75)
- Income: $20,000-60,000/year (fixed income)
- Location: Any state (nationwide)
- Health: Pre-existing conditions OK
- Awareness: Concerned about family burden
Psychographics
- Family-oriented
- Responsible/planners
- Want peace of mind
- Don't want to burden children
- Religious/spiritual often
Best Prospects
- Recently attended funeral (awareness triggered)
- Have grandchildren (strong family ties)
- On fixed income (affordability matters)
- Ages 65-75 (prime buying age)
- Own home (asset protection minded)
TPG's AI-Powered, Data-Enriched Lead System
Our proprietary technology identifies and qualifies prospects who match this ideal profile, delivering fresh leads daily with verified contact information and buying signal indicators.
What You Need to Sell Final Expense by Phone
Required
- Computer/laptop
- Reliable internet (minimum 10mbps)
- Cell phone (standard phone works fine - no special headset required)
- Quiet workspace at home
- State insurance license (Life & Health)
TPG Provides
- CRM system (web-based)
- Lead management platform
- E-application software
- Carrier quoting tools
- Training portal access
- Scripts and resources
Optional But Helpful
- Second monitor (view scripts while on call)
- Standing desk (stay energized)
- Quality webcam (for video calls)
- Backup internet (hotspot)
Total investment: $400-500 (mostly licensing)
TPG reimburses licensing costs after first 3 sales
No expensive equipment needed - just your phone, computer, and dedication to making calls.
7 Tips to Succeed in Final Expense Telesales
MAKE THE CALLS - DAILY
Most important: Consistent daily activity. 100-350 calls/day depending on part-time or full-time. This is a volume business - success comes from consistent effort.
USE THE SCRIPTS
Don't freestyle. Proven scripts work. Customize over time as you gain experience.
HANDLE OBJECTIONS CONFIDENTLY
Practice responses until they're natural. Objections are buying signals, not rejections.
BUILD RAPPORT QUICKLY
People buy from people they like. Be friendly, empathetic, professional.
LISTEN MORE THAN YOU TALK
Understand their situation and concerns. Ask questions. Tailor your presentation.
FOLLOW UP PERSISTENTLY
Not everyone buys on first call. Follow up 3-5 times. Many sales happen on callbacks.
TRACK YOUR METRICS
Know your numbers: Calls per day, contact rate, appointment set rate, closing rate. Improve what you measure.
TPG agents who follow these principles and maintain consistent call volume build successful, profitable businesses.
Have questions? See our complete FAQ →
Get started: Free scripts and training resources →
Start Selling Final Expense Insurance With TPG
Ready to build a profitable telesales business selling final expense insurance?
The Price Group provides everything you need:
Per-policy commission
Competitive, paid per issued policy
Top producers
Build a full-time career through consistent daily activity
Reality Check: This requires commitment to daily call volume. If you're willing to make 100-350 calls per day and follow our proven system, you can build a substantial income.
Get started in 3 steps:
Apply to join TPG
Free, 5 minutes
Get licensed
7 days to complete course, we reimburse costs
Start calling
Leads and training provided immediately