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Creating an effective final expense phone script requires a balance between professionalism, empathy, and clear communication. Remember to comply with all relevant regulations and ethical guidelines. Here’s a sample script to help final expense agents:


“Hello [Prospect’s Name], my name is [Your Name], and I’m calling from [Your Company Name]. How are you doing today?”

Wait for response

“That’s great to hear! The reason for my call today is to provide you with some valuable information about a final expense insurance program that can help ensure peace of mind for you and your loved ones. I understand this is a sensitive topic, so I appreciate your time. May I have a moment of your time to discuss this further?”

Wait for response


“Before we proceed, may I confirm a few details? Is it alright if I ask a couple of questions to ensure I provide you with the most relevant information?”

Proceed to ask qualifying questions such as:

  1. “Do you currently have any type of life insurance?”
  2. “Have you thought about the financial impact your final expenses may have on your loved ones?”
  3. “Are you familiar with final expense insurance and how it differs from other types of coverage?”

Understanding Their Needs:

“I completely understand that discussing final expenses is not the easiest topic, but it’s an essential one. Many people find comfort in knowing they’ve taken care of these matters in advance. Our program is designed to provide financial security for your loved ones during a difficult time. Can you share your thoughts on this?”

Listen attentively to their response.

Educating on Final Expense Insurance:

“Final expense insurance is a type of life insurance specifically designed to cover end-of-life expenses, such as funeral costs, medical bills, and outstanding debts. It helps lift the financial burden off your loved ones during a challenging time. Our policies are customizable to fit your unique needs and budget.”

Addressing Concerns:

“I understand you might have some questions or concerns. Feel free to share anything on your mind, and I’ll do my best to provide you with the information you need to make an informed decision.”


“Based on our conversation, it seems like final expense insurance could be a valuable addition to your financial plan. Would you like to explore this further and discuss the options available to you? We can schedule a more in-depth consultation at a time that suits you best.”

Wait for response


“If you’re not ready to make a decision today, that’s perfectly fine. I can send you some additional information and follow up with you at a time that works for you. What would be the best way for me to send you more details?”

Closing Graciously:

“Thank you so much for your time today, [Prospect’s Name]. I appreciate your consideration, and I look forward to assisting you further. Have a wonderful day!”

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