Ordering, delivery and billing
How Final Expense Marketing works, from quote to delivery
This page shows how Final Expense Marketing works, from quote to delivery: fresh leads and live transfers are generated on demand, so each fresh order starts with a campaign build. Licensed agents, agencies and call centers see each product’s billing rule and remedy before paying.
In writing
- From paid order: first leads within days, full volume in 2–4 weeks
- $2,500 to launch a lead campaign; minimums are order sizes, not contracts
- Aged segments ship immediately on purchase, with no minimum spend
- Objective defects replaced or credited within a 72-hour claim window
How an order works, step by step
Fresh lead and transfer orders follow seven steps; aged segments skip the build.
- Talk. The quote form asks your role, products, licensed states, monthly budget and how many leads, transfers or appointments you can work each week; your NPN is optional.
- Set states and filters. Buy only the states where you hold a license: Section 3 of the NAIC’s Producer Licensing Model Act bars selling, soliciting or negotiating insurance in a state “unless the person is licensed for that line of authority.” A whole state carries no targeting surcharge; narrower targeting and rush delivery add the percentages on the published rate card, up to 30% in total. Reserving a territory for yourself costs a separate $500 a month.
- Build. Once the launch amount is paid, we set up a campaign for your states and volume.
- Consent and routing. Lead campaigns get consent capture and routing to your CRM or webhook; transfers are warm-transferred to your line while you have confirmed you are available.
- Delivery. Supply ramps up from your paid order. Once a lead campaign is live, each lead reaches your CRM seconds after the consumer submits the form.
- Billing and replacement. Each unit is billed under its product’s published rule, and objective defects earn a replacement or credit.
- Reporting. We keep each lead’s source and consent records; the two services report weekly.
What the launch fee covers in a campaign build
An exclusive lead campaign is set up for a single buyer before any lead exists, so every record it produces goes to that buyer: one buyer per record. Its launch fee pays for:
- Configuring the campaign and its state and territory targeting
- A standardised final expense funnel with the consent disclosure configured
- Lead routing and tracking, with your CRM or webhook tested
- Deploying the initial creative
Brand design, custom copy, extra landing pages or advanced integration turn the standard funnel into a custom one at $1,500. A CRM that needs custom API work is quoted at $500–$1,500 for setup.
Consent capture and routing
Each build adds consent capture through TrustedForm or Jornaya to the campaign’s landing page and sends every lead to your CRM or webhook as it arrives. Transfers go to your phone line instead. When and how you call remains your responsibility; the consent and calling policy sets out what we document.
What a minimum order pays for
No inventory of fresh final expense leads exists. Exclusive leads and live transfers are generated on demand, so each order funds a campaign build that starts before your first record or call. On an exclusive campaign, the minimum covers that build and enough leads to evaluate the channel; three or five fresh leads cannot show lead quality or conversion, so they are not sold as a normal order.
| Order | Minimum | What the minimum funds |
|---|---|---|
| Exclusive lead campaign | $2,500 to launch | One invoice: a $500 build plus $2,000 in lead credit |
| Interest-verified live transfers | $3,000 to launch | Transfers generated on demand for your states |
| Preset appointments | 5 appointments or $1,250, whichever is higher | Appointments booked and confirmed for you |
| Aged segments | no minimum spend | Nothing to build: the records already exist |
Prepaying $5,000 or more removes the $500 build fee, and so does committing to 3 months of orders at $2,000 or more each. None of these minimums is a contract: lead products carry no term, so a minimum only sets the size of an order.
How long delivery takes: two separate clocks
Delivery runs on two published clocks, and each starts at a different moment.
| Clock | Runs from | Published time |
|---|---|---|
| Ramp | Your paid order to your first lead | First leads within days, full volume in 2–4 weeks |
| Delivery latency | A consumer submitting the form to the lead reaching you | Seconds after the consumer submits the form |
Ramp runs from your paid order: first leads within days, full volume in 2–4 weeks. Nothing fresh exists on the day you pay, and transfer orders also start with a build.
Latency is measured per lead once your campaign is live: each lead reaches your CRM seconds after the consumer submits the form. It never describes the wait from your order.
Aged segments have no ramp: the records already exist and are delivered immediately on purchase.
When each product is billed
Each unit has a published rule for when it counts and a published remedy for when it misses:
| Product | Billed per | A unit counts when | If a unit misses |
|---|---|---|---|
| Exclusive leads | Lead delivered, drawn from prepaid lead credit | Delivered to you, its one buyer | Defects replaced or credited if claimed within 72 hours |
| Interest-verified live transfers | Billable transfer | All five billing rules hold, including 90 connected seconds | Not billable if any rule fails; no refund for a valid transfer that does not close |
| Pre-vetted live transfers | Billable transfer, priced by Guaranteed Issue or Level/Graded tier | The same five billing rules hold | As for interest-verified transfers |
| Preset appointments | Confirmed appointment, or kept appointment at the kept price | Confirmed: Booked and confirmed with the prospect. Kept: The prospect attended, or completed a substantive telephone consultation. | One free rebooking attempt if a confirmed appointment no-shows. Replaced if the prospect denies ever agreeing to the appointment. No automatic refund for every no-show. |
| Aged segments | Record in the segment you buy | On purchase | Defects replaced or credited if claimed within 72 hours |
The transfer page lists the five transfer billing rules in full. Payment terms apply across the catalog:
- All lead packs are prepaid
- All campaign launch fees are prepaid
- Monthly services are paid before the service month
- ACH payments receive a 2% discount
- No visible card surcharge (processing is built into pricing)
- No net-30 for new buyers
Defects, replacements and unfilled orders
Replacement and credit apply to objective defects only, never to outcomes. A disconnected number or a lead outside your agreed filters is covered when claimed inside 72 hours, unless your order confirmation sets another window. A prospect who never answers or does not buy is not a defect, and the remedy is replacement or account credit rather than a cash refund.
Prepaid funds stop being refundable once a campaign launches, with a single exception: we refund any unused lead credit if we are unable to fulfil the order. The lead replacement policy lists every defect class and exclusion.
What we record and what you receive
We keep each lead’s source, timestamp, landing page and consent record. Those records back the replacement rules: if a required consent record cannot be produced for a lead, that lead is replaced or credited.
The two services add scheduled reports:
- Managed advertising: weekly reporting, a lead-quality feedback loop and one monthly strategy call.
- Setter desk: CRM disposition notes and a weekly contact and appointment report.
When there is no build: aged segments and monthly services
Aged segments are the off-the-shelf exception: the records exist already, so nothing is built and no minimum applies. Choose a state and an age band, prepay the segment and receive it immediately on purchase. These records are not exclusive, because a record may already have been sold to other buyers; compare aged lead bands and prices.
The two services use no lead credit. Managed advertising is a setup fee, then a monthly fee or a share of ad spend if that is greater; you pay the ad spend straight to the platform, and its 90-day initial term is the only term in the catalog. The setter desk is a flat monthly fee per seat, and its callers work leads you supply. Both are scoped on the managed services hub.
Request a quote for your states
Send your licensed states, products, weekly capacity and budget through the form below. Questions first? Use the contact page.
Questions agents ask
Frequently asked questions
What happens after I send the quote form?
We size an order from your states, products, weekly capacity and budget. The quote gives the launch amount as one number with its breakdown, plus any targeting surcharge. Once it is paid, the build for your states starts and the ramp clock begins.
What do I need ready before my campaign launches?
Your licensed states and filters, and the CRM or webhook that will receive leads, since every build tests routing to it. For transfers, set the hours you can take calls, because a transfer only bills while you are available to take it.
What exactly triggers a charge on each product?
An exclusive lead draws on your prepaid lead credit when it is delivered. A live transfer bills only if all five billing rules hold, 90 connected seconds among them. An appointment bills on confirmation, or at the kept price once it is kept. Aged records are paid for when you buy the segment.
Can I pay by card, and does ACH cost less?
Card processing is built into pricing, so there is no visible card surcharge, and ACH payments receive a 2% discount. After 3 successful prepaid cycles, an agency spending $10,000 or more a month can move to weekly invoicing against an approved credit limit.
What happens to my prepaid credit if you cannot fill my order?
We refund the unused lead credit. That is the only refund after launch: once a campaign is live, prepaid funds are otherwise non-refundable, and a defect earns a replacement or account credit.
Sources
- NAIC Producer Licensing Model Act (Model 218), Section 3, License Required (January 2005)Accessed October 14, 2026