Pre-qualified final expense transfers with a health screen and an estimated tier

A pre-vetted transfer is a live final expense call that passes a longer screen before it reaches you. The screener confirms interest, age and state, adds health and medication questions, estimates a Guaranteed Issue or Level/Graded tier, then warm-transfers the call. You present and complete the application; the carrier makes every underwriting decision.

Step by step:

1. A screener confirms the prospect’s interest in final expense coverage, age and state.
2. The screener adds health and medication questions.
3. From the answers, the screener estimates the likely tier: Guaranteed Issue or Level/Graded.
4. The screener warm-transfers the call, connected live to a single agent: you.
5. The transfer becomes billable when all five billing rules hold, at the price of its estimated tier.
6. You present, recommend and complete the carrier’s application. The carrier makes every underwriting decision.

Vendors sell screened transfers as “pre-qualified”. On this page the word means one thing: the prospect was screened before the call. It does not mean a carrier will issue a policy at any benefit level. That answer comes from the carrier’s own application, after the call reaches you. What the screen adds is narrower and still useful: the product family the prospect’s own answers point to.

Pre-qualified final expense transfers cost $250 when the screen estimates Guaranteed Issue and $300 when it estimates Level/Graded. Both tiers share one billing rule: a transfer bills only after the agreed prospect stays connected at least 90 seconds, confirms interest and fits your filters, while you are available to take it.

The five billing rules in full:

A billable transfer is not refundable when:

A transfer that fails any of the five rules is not billable; our replacement and credit policy sets out how credits work. An interest-verified transfer, with no health screen and no tier, costs $110 under the same five rules.

The screen tells you which plan family the prospect’s own answers point to: plans that ask health questions (the Level/Graded estimate) or plans that ask none (the Guaranteed Issue estimate). It cannot tell you what the carrier will do. The carrier’s application, its health questions and the checks the applicant authorizes settle plan, benefit and premium.

How the tier estimate is made

There are two estimates, not three: the screen does not split level from graded, and the carrier’s own questions and checks make that split. The split is real at the carrier. United of Omaha’s Living Promise, for one, issues a Level Benefit plan (issue ages 45–85) and a Graded Benefit plan (issue ages 45–80), and its plan highlights say coverage “is based on your answers to a few simple health questions.” On the graded plan, a death from natural causes in the first two years pays “all premiums paid plus 10 percent”, while an accidental death pays the full benefit in every year.

Guaranteed issue sits on the other side of the line. MIB, which runs the underwriting database its member insurers check, lists guaranteed issue life among insurance that is “not individually underwritten.” The NAIC’s life insurance advertising model draws the same line: where issue is not guaranteed, “no medical examination required” has to come with a disclosure that issuance “may depend upon the answers to the health questions set forth in the application.”

What only the carrier can establish

Everything in the left column comes from the prospect’s own words on one call. MIB says its services alert underwriters to “potential errors, omissions or misrepresentations made on insurance applications”, and a member carrier “will cross check the information you provide on your application” against the applicant’s MIB file once the applicant authorizes it. A screener has none of that. A Level/Graded estimate can still end on a graded benefit, or on a guaranteed issue plan, once the carrier’s questions and checks run. A Guaranteed Issue estimate is not a ceiling either: each carrier writes its own health questions, so a health-question plan may still fit. Read each carrier’s own knockout questions before you rely on an estimate.

The pre-vetted transfer and the interest-verified live transfer are separate products. The interest-verified transfer, at $110, stops at interest, age and state and is not underwritten; the pre-vetted transfer, at $250 or $300, adds the health screen and the tier estimate. Both arrive as live calls, so both suit agents, agencies and call centers that present by phone.

To match an interest-verified transfer’s cost per sale, your close rate on pre-vetted transfers has to be 2.3 times your interest-verified close rate at the Guaranteed Issue price ($250 ÷ $110) and 2.7 times at the Level/Graded price ($300 ÷ $110). That is arithmetic on the two prices, not a forecast for either product.

Whether the pre-vetted price pays back depends on how many interest-verified calls you lose to health answers today, a number only your own records hold. Run your close rate on each product through the cost-per-sale calculator before you choose.

In Florida and New York, an unlicensed caller may contact prospects to see whether they want to speak with a licensed agent, but may not compare plans, advise on coverage needs or discuss specific policy terms. So the plan conversation, including which tier the prospect can get, starts with you. The sources below draw that line.

The NAIC Producer Licensing Model Act requires a license to sell, solicit or negotiate insurance in a state, and it defines “solicit” as “attempting to sell insurance or asking or urging a person to apply for a particular kind of insurance from a particular company.”

Florida’s rule 69B-222.060 lists “Comparing insurance products; advising as to insurance needs or insurance matters; or interpreting policies or coverages” among the things unlicensed personnel may never do. New York’s Office of General Counsel, in opinion 04-04-20, says a non-licensee placing these calls “may neither compare various plans or policies with the prospective insured, nor discuss, or give advice about, the prospective insured’s specific insurance needs.”

Read together, those sources leave five things to the licensed agent:

1. Telling the prospect which plan, tier or benefit level they can get
2. Quoting premiums, or comparing carriers and plans
3. Advising on coverage needs or a face amount
4. Urging the prospect to apply for a particular company’s policy
5. Binding coverage

Those steps are yours once the call connects, and the underwriting decision is the carrier’s. That is why the tier is an estimate that prices the transfer, not a decision. Rules differ by state; this is one model act and two states, not a 50-state survey. Our price is per billable transfer, never per sale. How consent and calling duties divide between us and you is set out in our consent and calling responsibilities summary. Where the FTC’s Telemarketing Sales Rule applies, a written agreement can settle who keeps which records, but a seller that delegates them must keep access and check compliance; with no clear agreement, “both the telemarketer and the seller are responsible” (16 CFR 310.5(e)).

“Pre-qualified” tells you a transfer was screened, not how deeply. Of two vendor pages using the word, checked on October 14, 2026, one lists a single broad health question and the other lists none, and neither lists a medication question. Their published prices run from $25 per call at Final Expense Leads Specialist to $70 per transfer at Falcon FEX.

How this table is built: each competitor row quotes that vendor’s own page as seen on October 14, 2026; rows are sorted by price, lowest first; our row is included and not ranked. How we compare vendors.

A buffer is the connected time a call needs before that vendor bills it. Ask any vendor for the exact questions behind the word “pre-qualified”, how its billing treats a call that fails them, and what its consent records and credit terms say before you pay.

Transfers are generated on demand for your states, so each order starts with a campaign build, not a pull from stock. Send your states, age range, filters and call hours. You need a license in each prospect’s state, and enough agents to take transfers live: availability is a billing rule. Your quote states the order minimum; there is no contract.

Every product, with its unit and billing rule, is on the full rate card.