I doubt this statement very much. I doubt you could actually make a living selling Final Expense. If you did, you would not be offering such a new business model and would be out selling FE and getting paid High Commission because you can generate $100k in AP.
Generating a quality lead can cost $30/lead or more before it becomes scalable and to then pay a non interested party to set a quality appt has been tried to death with very little lasting success.
To do this successfully you would have to offer contracts and get paid on overrides.....Oh wait... that is done by Securus/NAA... I see that they only care about selling the leads over and over again to make a profit.
Your claims and cost points will be too high to make it worth it for the average agent. If you offer anything under $40/lead will be a suspect more than a prospect for the agent and you will see many chargebacks on the credit cards you charge.
Lead generation is tough, good lead generation is even harder. Me and Gooner have our system set and running. We will do this for agents in our group (not downline) as I have none and dont plan on having one, I like producing too much. But I would say after the last 6 months developing this our hard costs to generate a lead is not cheap. If we were to try to couple that with an appt as well we would have to charge a minimum of $50 per lead w/ appt. Also, something the OP has not even considered. What do you do with all the leads generated that do not agree to an appt but they ARE indeed a lead. Who do they pass that cost onto, you got it, it has to be the agent purchasing the leads. If I were an agent purchasing this kind of service I would demand every lead generated from said campaign regardless if they set an appt or not. You can always "work" older leads that may result in appt in 3 or 6 months. Example: Agent buys into this program, the campaign (tele or dm) generates 20 leads. 10 leads agree to an appt and it is set. What happens to the other leads that would not agree to an appt at that time or there was no contact. If the agent does not get that lead they can never doorknock or call or work it later, just some food for thought for any agents considering this type of marketing.