Final expense marketing services for licensed agents and agencies

Final expense marketing services are done-for-you services: they build a lead source you own, or follow up the leads you already have, instead of selling you finished leads. We sell three:

• Managed advertising. We run final expense ad campaigns for you. You pay the ad platform directly and own the funnel, pixels and data.
• The setter desk. You hire callers who follow up the leads you already have on a defined attempt schedule.
• CRM and automated nurture. SMS and email automation that keeps contact going between calls.

We are a final expense marketing company that sells only to licensed agents, agencies and call centers. We are not an FMO, a carrier or an insurer, so we never contract you with carriers or underwrite a policy. Leads, live transfers and preset appointments are separate products with their own prices.

A lead vendor sells you the output: leads, transfers or appointments at a fixed unit price. A marketing service builds the source that produces them. The trade-off is control against risk: buying leaves the ad spend with the vendor, while owning puts it on you and keeps the funnel, pixel history and data yours when the campaign stops.

Consent follows the funnel too. Under the FCC's rules, prior express written consent for autodialed or prerecorded telemarketing calls is a signed agreement that "clearly authorizes the seller" to make them, so the wording of the form decides which seller is named. On a managed campaign, that form sits on your funnel.

If buying fits better, compare every final expense lead type side by side before you order.

Ad spend never passes through us: you pay the ad platform directly, we run the campaign, and you own the funnel, pixels and data it builds. Our fee covers the funnel and landing page, the ads, creative testing, tracking, CRM routing, weekly reporting and a monthly strategy call, with no per-lead charge on top. The service excludes a guaranteed cost per lead or volume, appointment setting, a dedicated caller, and unlimited new funnels or states. The full scope is on the managed final expense advertising page. Before launch, check that the consent wording on a funnel you own names your agency as the seller.

If your campaign runs on Meta, you are the advertiser, and in the US Meta lists insurance products in its Special Ad Category for financial products and services. Its documentation says age options are "generally fixed to include ages 18 through 65+", ZIP codes are not supported, and location targeting must cover at least a 15-mile radius. Age fit therefore comes from the questions on your funnel, not from the audience settings. Read Meta's Special Ad Category rules for final expense campaigns before you set a budget.

A managed campaign stops at the lead; the setter desk starts there. You hire a final expense setter desk by the month: setters follow up the leads you supply and book time on your calendar. Your hand-off rules for a lead's first 48 hours set how many leads you supply, so write them before you choose a seat. Seats are sized by new leads a month, and every seat uses the same attempt schedule:

• First attempt within five minutes during coverage hours
• Six to eight call attempts
• SMS and email follow-up
• Appointment confirmation
• CRM disposition notes
• Weekly contact and appointment report

CRM and automated nurture adds SMS and email automation between calls for $500 to set up and $350 a month. Sales texts to cell phones fall under the same federal do-not-call and calling-hour rules as sales calls; plan 10DLC-registered, consent-checked SMS follow-up before you turn the nurture on.

Hiring callers is not buying a preset appointment: that is a booked meeting billed per confirmed or kept appointment, while a seat is billed by the month and carries no appointment count. The product conversation stays with you as the licensed agent. Florida's rule, for example, lets an unlicensed person "telephone persons to set appointments for licensed and appointed agents" but says that person "may not engage in a substantive discussion of insurance products."

Budget, licensed states and team size decide it. Start with the first question you answer yes to:

1. Do leads sit uncalled in your CRM? More volume will not fix that. Start with the setter desk or CRM nurture; when hiring, price a seat against an in-house setter.
2. Do you want a lead source you keep? If you are licensed in the states you want to reach and can fund at least $2,000 a month in ad spend through the 90-day initial term, managed advertising fits.
3. Would you rather pay per conversation? Skip the services and buy interest-verified live transfers or preset appointments, which bill per transfer or per appointment under published rules.
4. Do several agents take the leads? Size the desk by new leads a month: the shared follow-up desk suits one agent's flow, while a dedicated seat or the high-volume desk with QA suits a team.

Monthly services are paid before the service month, and ACH payments receive a 2% discount.

A managed campaign's first month totals $4,250 at the minimum ad spend, and each following month $3,250, ad spend included. Setter prices exclude lead costs, and lead products are priced on the full rate card.

Owning the lead source means owning its exposure. Every campaign build captures consent on the landing page with TrustedForm or Jornaya, and the calls that follow are made for your agency, including the ones setters dial. The FCC defines the seller as the person or entity "on whose behalf a telephone call or message is initiated," and in its 2013 DISH ruling it said a seller "may be held vicariously liable under federal common law agency principles for a TCPA violation by a third-party telemarketer."

Ask any setter provider, us included, how it handles calling hours, do-not-call requests and caller ID before the first dial, and read how consent records and DNC requests are handled across our products.

Use the quote form to tell us whether you are an agent, an agency or a call center, which states you are licensed in, how many leads you can work in a week and your monthly budget, then tick the services you want priced.