Final Expense Marketing

Final expense guides for agents and call centers

Guides for licensed final expense agents, agencies and call centers on buying leads, live transfers and appointments, and the rules that apply.

  1. How to buy final expense leads: a 2026 buyer’s guide with vendor terms compared

    Lead types, pricing models, minimums, exclusivity, consent and replacement terms for licensed final expense agents, with 12 vendors’ published terms set beside our own rate card, checked October 22, 2026.

    Published

  2. Final expense underwriting guide for agents: knockouts, medication flags and graded triggers in public carrier forms

    Which health answers end a final expense application, which send it to a graded or modified plan, and how far back each question looks, quoted from three carriers’ public application forms, with seven carriers’ early-benefit rules side by side.

    Published

  3. Preset appointments vs live transfers: what final expense agents pay for

    Preset appointments and live transfers bill for different events. What each one charges for, what a first order buys, and how to price a kept conversation with your own rates.

    Published

  4. Final expense appointment setter cost: in-house, setter desk or preset appointments

    What a kept final expense appointment costs under three models: an in-house setter priced from BLS wage data, a setter desk seat, or a preset appointment, with the break-even math and the calling rules for each.

    Published

  5. Call center staffing calculator for final expense transfer floors: how many transfers your agents can take (Erlang B)

    How many transfers a final expense floor can take an hour and a day before transfers are lost: an Erlang B calculator that solves both directions, a worked table, the monthly cost at published transfer prices and a 50-state table of residents 65 and older per agent job.

    Published

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