Final expense preset appointments, billed confirmed or kept

A final expense preset (or pre-set) appointment is a meeting booked for you with a prospect who agreed to a set time. You buy the meeting. Each appointment is booked for one agent, and the presentation, the quote and the application stay with you.

Two billing definitions decide what one appointment is, and three terms decide what happens when it goes wrong:

Those terms price two ways a bought appointment can fail: a prospect who does not show, and a prospect who says they never agreed to meet. If you would rather not pay for no-shows at all, kept billing takes them off the table at a higher price per appointment.

Preset appointments are priced per appointment on one of two billing bases, both from the published rate card.

The minimum order is 5 appointments or $1,250, whichever is higher. Payment terms, and the price of every other product, are on the full rate card.

Confirmed billing costs less per appointment, and a no-show the rebooking does not rescue is yours to absorb unless the prospect denies ever agreeing to meet. Kept billing costs more per appointment, and you pay only for appointments that are kept. Which one is cheaper per kept appointment depends on your sit rate: the share of confirmed appointments that end up kept.

1. Pull a recent run of confirmed appointments and count how many ended up kept, rebookings included.
2. Divide kept by confirmed. That is your sit rate.
3. Divide the confirmed price by the kept price: $175 ÷ $225.
4. If your sit rate is below that figure, kept billing costs less per kept appointment. If it is above, confirmed billing does.

The math leaves out your time. A no-show costs the slot you held on either basis, and on an in-home visit it costs the drive too. This page quotes no sit rate, because only one measured on the appointments you buy can settle the choice: run the steps on your own numbers, and re-run them after your first order.

On confirmed billing, the confirmation is part of what you buy: “Booked and confirmed with the prospect.” Ask whether the booking side also sends a reminder, and under whose name, before you add your own.

Keep your reminder to the meeting itself: who it is from (your name, your agency and a number that reaches you), the date and time in the prospect's time zone, the topic in plain words, and how to opt out, such as “Reply STOP”. Plan names, carriers, prices and offers stay out. Text only a prospect who agreed to texts from your agency, inside the calling hours for their state and time zone, and send nothing after a stop request.

The TCPA treats a text to a mobile number as a call, and the FCC's rule defines telemarketing by a message's purpose, so a reminder for a sales meeting may count as telemarketing even when its wording sells nothing. Whether it is autodialed, and what the prospect agreed to, then shape how to word and time a reminder text.

A phone appointment is a scheduled telephone consultation, which suits telesales agents and call floors. An in-home appointment is a kitchen-table visit, which suits field agents who sell face to face. The kept definition covers both formats: “The prospect attended, or completed a substantive telephone consultation.”

Carrier paperwork differs by format. Columbian's final expense e-app guide is one example: for in-person sales you must leave a fully completed paper copy of any required forms with the applicant, and for telesales you must mail the completed disclosure documents to the applicant within three days of the sale. Check the rules of each carrier you write for before you pick a format.

Ask which formats are available in your licensed states before you order.

Three products put a final expense prospect in front of you, and each bills for something different: a preset appointment sells you a meeting at a set time, a live transfer sells you a call that is already connected, and a setter desk sells you callers' time on leads you already own.

Appointments and transfers bill for different events, so price a booked meeting against a live transfer per kept conversation, counting your no-shows and missed transfers.

If you already buy leads and the gap is follow-up, hire callers who follow up the leads you already have instead of buying meetings. If your agents can take calls the moment they connect, interest-verified live transfers skip the calendar. To weigh all of them, see every final expense lead type side by side or model cost per sale in the lead cost calculator.

The call that books a final expense appointment is a scheduling call, not a sales call. Florida's rule on unlicensed insurance agency personnel, Fla. Admin. Code R. 69B-222.060, draws the line:

“…the unlicensed person may telephone persons to set appointments for licensed and appointed agents, customer representatives, or solicitors… The unlicensed person may not engage in a substantive discussion of insurance products.”

“Appointed” there means contracted with a carrier, not the meeting you are buying. The New York State Insurance Department reached a similar answer in OGC Opinion 04-04-20 (2004), with two conditions: no discussion of specific policy terms, and the caller's “compensation is not based on the purchase of insurance.” These appointments are billed per confirmed or kept appointment, never per policy sold.

On your side of the meeting:

• Where the booking caller is unlicensed, expect the prospect to know the time and the topic, not plans, carriers or prices. The first product conversation is yours.
• Your carrier may require you to say where the name came from. Prosperity Life Group's agent procedure manual requires an agent who reaches a person “because of acquiring that person's name from a lead-generating device” to “disclose that fact in the initial contact with the person.”
• Buying appointments does not hand off calling-law risk: in FCC 13-54 (2013), the FCC ruled that a seller “may be held vicariously liable under federal common law agency principles for a TCPA violation by a third-party telemarketer.” Ask any seller what consent the prospect gave, and see our consent and calling-rules page.

“Preset appointment” is not a standard unit. Three sellers' pages, checked on 14 October 2026, sell three different products under the name, so compare what one unit is before comparing prices.

What three sellers publish

Disclosure: Final Expense Marketing is one of the four sellers below. Rows run from the lowest published price up, and none is ranked; the rules behind our vendor tables explain how each row is sourced.

Each row reflects the seller's own pages on that date; confirm current terms with the seller. A scheduled conversation with no stated no-show rule, an appointment set from leads you already own and a booked meeting with written no-show terms are different purchases, so price each one per kept appointment.

Six terms to get in writing before you order

1. What one billable appointment is: booked, confirmed or kept.
2. What a no-show gets you: a rebooking, a credit, or nothing.
3. What happens when the prospect says they never agreed to meet.
4. Phone or in-home, and the states and hours appointments are booked for.
5. What consent the prospect gave to be called, and whose name it carries.
6. Whether the appointment, or the prospect's record, is sold to anyone else.

The terms above answer the first three. Ask any vendor, us included, to put the other three in writing, along with its consent records and credit terms.

Choose preset appointments on the form, list every state you are licensed in, and pick how many appointments you can hold in a week.