The Final Expense Market

We’ve all heard the Kool-Aid; “We’re the highest…” “We’re the best…” and “We’ll Help you build…” mostly from people that have never sold a policy. Ask a few questions like “…how many agents actually make that commission?” and the Kool-Aid quickly sours.

At Legacy the first thing you’ll notice is we’ll never make promises we are ourselves have not experienced. We are agents active in the field not recruiters offering empty guarantees. Can you make a great living selling final expense life insurance aka burial insurance? Yes. Is it easy? No. The product is simple to understand and simple to explain to clients. The sales process is not easy.

Partnering with the wrong IMO will leave you frustrated and broke. Final Expense and Burial Insurance is a market we specialize in. We have the tools, technology, training & mentoring, and most importantly the leads you need to be successful.

Simplified Underwriting and quickly issued policies with commissions paid daily, add to the Final Expense agents’ cashflow enabling you to meet your bills without waiting for underwriting decisions.

The Final Expense Market is principally composed of people in need of additional insurance for the purpose of paying for their burial expenses incurred at the time of death. In addition to funeral costs, final expenses can include hospital and other costs associated with an illness, probate costs (where applicable), as well as other debt and unforeseen cash outlays.

At Legacy our partnering agents have access to 11 different carriers for selling final expense life insurance. We continue to add the very best carriers for our agents to be able to meet client needs regardless of health conditions. You’ll never have to walk away from a sale because you did not have a product to fill your client’s need.

Activity – Activity – Activity. Continuous lead flow is crucial for success in the final expense market. Legacy agents have access to several final expense lead/burial insurance lead programs. From Direct Mail which are always FRESH to our exclusive Facebook leads with exceptional ROI in many States.

Legacy agents are also able to marry their Final Expense business with Mortgage Protection as the sales process is very similar. In fact, 20% to 30% of the time you’ll sell a simplified issue whole policy in selling Mortgage Protection life insurance.