The ability to optimize the revenue potential of final expense insurance for seniors is undeniable. Still, it can be challenging to connect with the right consumers who are ready, willing, and able to purchase these policies. That’s where buying final expense calls from HealthPlusLife comes in. Rather than cold-calling consumers who probably won’t even answer the phone or be interested in final expense insurance, each call you receive will be from a high-intent caller looking for final expense life insurance quotes who meets the criteria of the plans your agency offers and is interested in signing up for coverage.
Let us be your partner for business growth. We’ll take care of finding your clients, and you can focus on what you do best: selling insurance. Together, you can convert final expense calls and access positive revenue growth through long-term new clients when you work with HealthPlusLife.
Final expense life insurance is a policy for consumers looking to cover end-of-life expenses, such as funeral costs, medical bills, and other debts that may be left behind after a person’s death. Consumers who purchase these policies gain peace of mind by accessing a crucial financial safety net for families, ensuring they don’t face the burden of funeral and burial costs during an already difficult time. Final expense policies are generally more affordable and accessible than traditional life insurance, particularly for seniors or consumers with health concerns that a life insurance policy may not cover.
Is Final Expense Life Insurance Worth It?
Like any insurance policy, it is up to the individual consumer and their life situation to determine if final expense insurance is worth the costs. However, the benefits can far outweigh any determinants that come with paying for the policy. These include lower and more affordable premium payments that typically stay the same over time. They can also access funds relatively quickly, with beneficiaries usually receiving funds in a timely manner to cover immediate expenses. Final expense insurance can be worth it if the policyholder is older or has health issues that make life insurance hard to obtain. It’s also great for consumers who don’t have savings to cover final expenses and ensure they are covered without burdening family members.
What Is the Average Cost for Final Expense Insurance?
The average cost of final expense insurance can vary widely based on factors such as age, gender, health status, coverage amount, and the insurance provider. Generally, premiums for final expense policies range from $30 to $200 per month, with most falling between $50 and $100 for about $10,000 in coverage. The rates on these policies tend to increase significantly with age, so purchasing a policy earlier can result in lower premiums.
At What Age Should You Buy Final Expense Insurance?
The earlier someone can purchase final expense insurance, the lower the premium payment will be. However, most experts suggest considering it between the ages of 50 and 70 before premiums increase significantly. This age range is ideal since premiums are still relatively affordable, yet the need for such coverage becomes more apparent. While the timing will depend on individual circumstances, the need for this type of insurance for seniors or people struggling with their health who don’t want to burden their families is undeniable.
Generate Final Expense Life Insurance Quotes Today
HealthPlusLife offers an effective marketing strategy for final expense life insurance agencies looking to grow their client base with high-quality final expense calls. Our leads come from consumers seeking information on final expense insurance policies to help agencies access high-intent consumers needing final expense life insurance quotes. Please contact HealthPlusLife at 888-828-5064, TTY 711, today to learn more about how we can help your agency’s lead generation and online marketing efforts.
Johanna Karlsson Johanna Karlsson is a veteran health and life insurance professional licensed in 50 states. She relocated from the countryside in the south of Sweden and has not looked back. After coming to the United States to attend university, she gained her degree in Public Relations. She brought her public relations skills to a local international health insurance where she discovered a new passion in insurance. After years with that company, Johanna now joins HealthPlusLife to help build a team of licensed insurance agents ready to meet your insurance needs.
