Agent:
Hi, this is [Your Name] with Best Policy, how are you today?
Client Response
That’s great to hear! I’m reaching out because we specialize in helping families just like yours secure affordable Final Expense coverage—also known as burial insurance. It’s a simple, affordable way to make sure your loved ones aren’t burdened with funeral costs and other final expenses when the time comes.
This type of policy is designed specifically for seniors and is easy to qualify for—no medical exam required in most cases. We work with top-rated carriers to find you the best plan for your needs and budget.
(If inbound)
Agent: Thanks for calling ( client name ) Tell me what’s going on?
You may have requested information online or responded to one of our mailers recently, and my job is to make sure you get the coverage information you were looking for.
Before we go over your options, I just need to ask you a couple of quick questions to make sure we find the right fit. Does that sound good?
Client Response
Agent:
Perfect! Let’s get started…
Agent:
Hi [Client’s Name], how are you doing today?
Client responds
Agent:
I’m so glad to hear that. I always like to start by saying—it’s a real privilege to speak with folks who are taking the time to plan ahead for their loved ones. That tells me you care deeply about your family, and that’s something I truly respect.
Before we dive into the details, I just want to get to know you a bit—
How long have you lived in [their city/state]?
(If they say a long time) Wow, that’s home for sure. What do you love most about it?
(Light conversation continues based on their answer—weather, family, community, etc.)
Then ask:
Do you have kids or grandkids? I always say—grandkids will keep you young and wear you out at the same time!
Client laughs or responds warmly
Agent:
That’s wonderful. Well, that’s exactly why these plans are so important. We want to make sure your family is protected, and you have peace of mind knowing things are taken care of—so they can celebrate your life, not stress over expenses.
From here, I’ll walk you through how these plans work, and we’ll see what fits you best. Sound good?
Agent:
So, [Client’s Name], to make sure I match you with the best plan and carrier, I just need to ask you a few quick questions. It won’t take long, and there’s no obligation—this is just to see what you qualify for, okay?
(Wait for confirmation)
Agent:
Age – Can I confirm your date of birth?
Tobacco Use – Do you currently use any tobacco products or have you in the last 12 months?
Health – Are you currently taking any medications or under a doctor’s care for any major conditions like heart, lung, cancer, or diabetes?
Hospitalizations – Have you been hospitalized in the past 12 months for anything major?
Living Situation – Are you currently living independently, or do you require assistance?
Banking – Most carriers require a checking or savings account for coverage—do you have one available for your policy? ( ask this question based on how customer’s responses are on other question)
Agent:
Thanks so much for that. Based on what you’ve shared, it looks like you may qualify for a plan that can lock in your rate, protect your loved ones from funeral costs, and never decrease in coverage—no matter your age or health changes.
Let me walk you through your options so we can get you the best plan in place. Sound good?
Yes/No Health Question Version of the Final Expense Qualifying Script, tailored for telesales or in-home appointments. This version mirrors the common underwriting questions carriers ask and keeps things simple for the client:
Agent:
Thanks again, [Client’s Name]. These next few questions help us figure out exactly what you qualify for. Just answer “yes” or “no,” and I’ll take care of the rest.
Health Qualification Questions:
In the past 2 years, have you been diagnosed with or treated for cancer, heart attack, stroke, or congestive heart failure?
Have you ever been diagnosed with COPD, emphysema, or required oxygen (other than for sleep apnea)?
Do you currently have any issues with kidney failure, liver disease, or dialysis?
Have you been diagnosed with Alzheimer’s, dementia, or any memory-related condition?
Are you currently in a hospital, nursing facility, or receiving hospice care?
In the past 12 months, have you been hospitalized or had any major surgeries?
Are you currently taking insulin for diabetes? If yes, how long have you been on it?
Lifestyle & Financial:
Do you have a checking or savings account you use regularly?
Are you the one who makes the financial decisions in your household?
Agent (after answering):
Thanks for that, [Client’s Name]. Based on your answers, I have a good idea of which plans you’ll qualify for. The good news is, we have a couple of strong options that will lock in your coverage and never go up in price or decrease in benefits.
Let’s take a look at those now…
Let me know which carriers you typically use and I can customize the health questions to match their underwriting guidelines.
Accordion Content
Welcome To Best Policy Final Expense