Hello, this is Nathan. Just to confirm, are you shopping for a final expense policy?

We work with over (40) A-rated final expense companies, and every one of them will insure you if you have a checking account with a local bank or credit union.

Do you own a checking account?

All of the final expense companies will require your social security number and banking information when we apply. I don’t need that information now, but I just want to be transparent with you, okay?

I want to be very respectful of your budget… So, is there a specific price you’re trying to keep this under per month? Or how much coverage are you looking for?

• What’s your name? (or verify info on screen)
• If we find the perfect policy, when would you like to make the 1st payment to get insured?
• Are you employed, retired, or disabled?
• What’s your annual or monthly income? (Won’t recommend over 10% of income.)
• What got you thinking about final expense coverage?
• Do you want a traditional burial or cremation?
• Who do you want to leave the money to?
• What’s your date of birth? What’s your email?

No problem. I’ll take you out of our system. Did you already get some coverage?

No problem. I will take you out of our system. One second while I update that.

If you already have coverage: Before I let you go, if I can get you an additional $5,000–$10,000 in coverage for the same price, would that help your family?

If you have not had a recent policy review, the newest 2025 state-regulated programs may offer better pricing because carriers keep improving their products. For comparison, how much coverage do you have right now?

We work with more than 40 top carriers, and based on your profile you may qualify for strong, inexpensive options. Who would you like to leave the money to?

Of course, I can call you back. What time works best for you?

Before I go, do you currently have any life insurance, and who would you want to leave the money to? I can note that now so our follow-up is quick and on point.

It was probably a while back. No problem, we have most of your options sorted already. Who would your beneficiary be if you were approved?

I completely understand. We have coverage options that start at about $10 per month, and it only takes a few minutes to review them. At the very least, you will have the information for the future when the timing is better.

Do you have any life insurance right now, and who would you want to leave the money to?

This is just the first step to see if the carrier will accept you, and there is no payment today. Most clients apply to confirm eligibility. Does that make sense?

If you are still hesitant: After the first payment and once the policy is in force, there is a 30-day free-look period, which is a money-back guarantee. You have another full month to decide while insured. If you decide against it, you can call me or the carrier and it will be canceled with no questions asked. Would you like me to text you the carrier’s phone number?

• We can three-way call the carrier now to verify the contract and answer any questions about payment security.
• I can invite you to a quick Zoom and share my screen so you can see exactly where the application asks for payment information.
• (Mutual of Omaha / American Amicable — direct billing only): We can either delay payment until we are close to your start date (I will email you the form when ready) or we can handle it now. I will provide the carrier’s phone number so you can make changes or cancel at any time. The application clearly shows the exact draft date.