We have been asked by many agents as to why they get so many final expense appointments in impoverished areas.
Many agents will agree that a sign of a good final expense lead is when they come from low-income households. I am sure you don't want to waste your time going to a house that has savings and annuities and large pensions. There is a slim chance that these people will purchase anything from you. It is better to target a group that lives from hand to mouth and doesn't have money put aside for the future.
These people are in real need of these policies and are instant customers. They can imagine how terrible it feels to lose someone and not be able to pay for the funeral expenses. They have gone through the stress of having to ask for financial help.
If you are able to have a face to face meeting with such families, it will be easy to convince them to buy. They can protect themselves from the financial burden of final expenses by paying as little as thirty to forty dollars a month. In most of the cases they will sign the contract and pay for the insurance right there and then. For most parents and elders, it is a huge relief as they can now spend the rest of their life not thinking about what will happen at the end.
Do some research before you go on a hunting spree; find some companies that provide final expense policies at a good rate. With affordable plans, the only thing left is an effort from your side to go out and talk to your prospective client. Local insurance companies can charge nearly double as compared to what is provided by you. This makes the process easy for you and guarantees satisfied customers.
Your work as a sales agent becomes much easier when dealing with low-income households. Work the smart way. With proper planning you don't have to knock every door, make cold calls and leave flyers to prospects every time you search for a fresh sign up. Smart agents never rush and give the required clients to their clients. For better results do your homework and make some changes to your approach tactics.
It is easy to make money by selling final expense insurance, all is required from your end is proper planning and a focus on your designated target market.
Those wishing to sell final expense insurance can visit naaip.org/agents for a free website, sales resources and tools to help you succeed in selling final expense and many other product lines.
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