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Creating a script for selling final expense insurance or discussing final expense planning can be helpful for insurance agents and financial professionals. Here’s a sample script to get you started. Remember to adapt it to your specific needs and style:


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 ensures that your loved ones won’t be burdened with these expenses during an already difficult time.

Assessing 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?

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 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 ensure your coverage begins as soon as possible.

Handling Objections:

If the prospect expresses concerns or objections, be prepared to address them with empathy and provide relevant information or alternatives.

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?


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]

Remember to customize the script to your specific offerings and to maintain a compassionate and respectful tone throughout the conversation. Building trust and addressing the prospect’s individual needs are key to successful sales in the insurance industry.

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