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Final expense scripts are pre-written and structured dialogues or conversations used by professionals in the insurance industry, specifically for selling final expense insurance policies. These scripts serve as a guide to ensure that insurance agents effectively communicate the benefits of final expense insurance to potential clients. Final expense insurance is designed to cover the costs associated with a person’s funeral, burial, or other end-of-life expenses.

Here’s an example of a simplified final expense script:


Agent: Hello, my name is [Your Name], and I’m here to talk to you about something important – final expense insurance. It’s a topic most people avoid, but planning for the future can provide peace of mind.

Establishing a Connection:

Agent: May I ask if you’ve ever thought about the financial burden that your passing could place on your loved ones?

Understanding the Client’s Needs:

Agent: Do you have any concerns about leaving your family with the expenses related to your funeral and other end-of-life costs?

Explaining the Benefits:

Agent: Final expense insurance can help alleviate these concerns. It’s a policy designed to cover these costs, ensuring that your loved ones won’t have to worry about the financial burden during an already challenging time.

Qualifying the Client:

Agent: To determine the right policy for you, I’d like to ask a few questions about your needs and budget. What’s the maximum monthly premium you’re comfortable with?

Presenting Options:

Agent: Based on your budget and needs, I can offer you a few different final expense insurance options. We can discuss a policy that best suits you.

Overcoming Objections:

Agent: I understand your concerns, but let me explain how these policies work. They are typically affordable and have a straightforward application process.

Closing the Sale:

Agent: If you feel comfortable with the plan we’ve discussed, we can start the application process right away. We’ll guide you through every step, and you can make a decision that’s right for you and your loved ones.

Setting Up a Follow-Up:

Agent: After we complete the application, we’ll follow up to ensure everything is in order and answer any questions you may have.

Remember that these scripts can vary based on your specific approach, the company’s policies, and the client’s needs. It’s important to personalize the conversation and adapt the script as needed to build rapport with the client and address their unique concerns. Effective communication, empathy, and a genuine desire to help clients plan for their future are key to successful final expense insurance sales.

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