Insurance
Final Expense Live Transfers: How They Work and What to Ask
Final expense live transfers connect screened callers to your licensed agents while they are still on the line. What gets checked, how they compare with leads, and what to ask a vendor.
Key takeaways
- A final expense live transfer is a screened caller connected to your licensed agents while still on the line.
- Callers are checked for age range, licensed state, coverage amount and a way to pay premiums.
- Every caller agrees to be connected, every call is recorded, and consent certificates are captured.
- You pay per call, and transfers usually start within 24 hours of the signed order.
A final expense live transfer is a caller shopping for final expense coverage who has passed your qualifying questions and is connected to your licensed agents while still on the line. Instead of chasing form fills, your agents pick up and talk to someone inside your age range, in a state they are licensed in, who wants a coverage amount you offer and has a way to pay premiums.
How do final expense live transfers work?
- You set the criteria: age range, coverage amount, how the caller will pay premiums, and the states your agents are licensed in. We write your criteria into the intake script.
- We run the ads and screen every caller. Calls come from our own ads plus a vetted publisher network, and every caller answers your qualifying questions before anything reaches you.
- Your agents get the call. Callers who pass are transferred to your agents' line during the hours you set.
What gets checked before a final expense caller reaches your agents?
Our default final expense script checks that:
- The caller is inside the age range you write.
- The caller lives in a state your agents are licensed in.
- The coverage amount they want is one you offer.
- The caller has a way to pay premiums, such as a bank account or card.
You can add anything else to the script. If a caller fails one of your questions, we do not send them to you and you do not pay for them.
Final expense live transfers vs. leads
| Final expense lead | Final expense live transfer | |
|---|---|---|
| What you receive | Contact details from a form | A screened caller, on the line |
| Who screens | Your agent, after the callback | Our intake team, before the transfer |
| When your agent talks to them | Whenever the callback connects | Right away, during your hours |
If your agents would rather take callers straight from the ad, without our intake team in between, we also deliver inbound calls.
What should you ask a final expense transfer vendor?
Agents compare final expense vendors on a few questions. Here are ours, answered:
- How are callers reached? From our own ads and our vetted publisher network. Publishers' ads are approved before they run, and robocalls, incentivized and misleading traffic are not allowed.
- Did the caller agree to be transferred? Yes. Every caller agrees to be connected before we transfer them.
- Is there proof of consent? We capture third-party consent certificates, and every intake call is recorded. You can get the recording of any call we send you.
- Are numbers scrubbed? Numbers are scrubbed against the National Do Not Call Registry before we call or text them.
- What do I pay for? Per call, and only for callers who passed your questions.
- Is there a minimum? No recurring volume commitment. You buy an order and reorder when you want more.
How fast can final expense transfers start?
Usually within 24 hours of the signed order. We need the phone number that receives the calls, the hours you take them, and a daily cap.
See final expense live transfers and inbound calls, or book a call for final expense pricing.