Final Expense Call Script – A Sales Blueprint for Insurance Agents

This final expense call script gives insurance agents a practical framework
for speaking with prospects about final expense coverage over the phone.
Use it as a starting point for cold calls, follow-up calls, or scheduled conversations,
then adapt the wording to your audience, offer, and applicable compliance requirements.

Final Expense Call Script

Introduction

Agent: Good [morning/afternoon], my name is [Your Name] from [Your Agency].
How are you today?

Prospect: [Response]

Agent: I’m calling today to discuss an important topic that can provide
peace of mind for you and your loved ones. It’s about final expense insurance.
May I have a few minutes of your time to discuss this?

Prospect: [Response]

Benefits of Final Expense Insurance

Agent: Final expense insurance is designed to cover the costs associated
with your end-of-life expenses, such as funeral and burial costs. It helps ensure that
your loved ones won’t be burdened with these expenses during an already difficult time.

Assessing the Prospect’s Needs

Agent: To determine the right coverage for you, may I ask a few questions?

• Do you have any existing life insurance policies?
• Are you aware of the average cost of a funeral in your area?
• Do you have specific preferences for your funeral or burial arrangements?

Providing a Customized Quote

Agent: Based on your responses, we can tailor a policy that suits your needs.
Let me provide you with a customized quote.

Addressing Cost Concerns

Agent: Many people have concerns about the cost of final expense insurance.
I want to assure you that we offer affordable options that can fit your budget.
We also provide flexibility in payment plans.

Closing the Sale

Agent: If you’re satisfied with the coverage and cost, I can help you
get started today. We can complete the application process quickly and work toward getting
your coverage in place as soon as possible.

Handling Objections

If the prospect expresses concerns or objections, address them with empathy and provide
relevant information or alternatives. Avoid pressuring the prospect and focus on answering
their specific questions.

Appointment Setting

Agent: If you need more time to think about it or discuss it with your family,
we can schedule another call or meeting that works best for you.
What would be a convenient time for you?

Follow-Up

Agent: If you decide to move forward with the coverage, we will be there
to assist you every step of the way and make the process as smooth as possible.

Thank You

Agent: Thank you for considering final expense insurance with [Your Agency].
I appreciate your time and am here to help with any questions or concerns you may have.
Is there anything else you’d like to know?

Prospect: [Response]

Tips for Using This Final Expense Sales Script

Customize the script to your specific offerings and maintain a compassionate and respectful
tone throughout the conversation. Building trust, listening carefully, and addressing the
prospect’s individual needs are important parts of a successful final expense insurance
conversation.

Treat this script as a framework rather than a word-for-word requirement. Agents should also
follow their agency procedures and any applicable compliance or disclosure requirements.

Looking for Final Expense Text Message Scripts?

If you’re following up with prospects by SMS instead of speaking with them on the phone,
see our

Final Expense SMS and Text Message Scripts
.

Frequently Asked Questions

Is this final expense call script ready to use as-is?

Treat it as a starting framework. Adapt the wording, offer details, disclosures, and
compliance language to your specific audience and agency requirements before using it live.

Can this final expense call script be used with a dialer?

Yes. A CRM-connected dialer can help agents work through call lists, record outcomes,
schedule follow-ups, and keep prospect activity organized instead of tracking calls manually.

What parts of the final expense sales call does this script cover?

This framework covers the introduction, needs assessment, benefits discussion,
quote presentation, objection handling, closing, appointment setting, and follow-up.