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Join Date: May 2008
Posts:2,162
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Re: Exclusive Live Transfer Final Expense Leads
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Recently, I was asked to try out 20 direct transfer leads for Final Expense Life Insurance that was generated from an auto-dialer, as a test subject (“guinea pig”).
I had a representative walk my through everything before I got started, and it was very easy to follow. You log onto a website and enter a specifically assigned name and pass code. It shows you how many transfers you have remaining, how many calls it has made and it even breaks it down into how many were busy, answering machines, hung-up, etc. Most importantly, it allows me the user to pause it at anytime and come back to it later.
Here’s how it works, a machine starts with 100,000 pre-screened numbers that have been verified against the Do Not Call list. When the person answers the phone they here a recording that says, “Are you prepared for the final expenses associated with the loss of your parents, your spouse, or even yourself? If the answer to that question is No, Press 1 now! You or your loved ones can be approved for final expense life insurance and have your policy enforce in as little as 24 hours. You will be amazed at how easily you can have coverage in place, and it is incredibly affordable. Press 1 now to learn more about this Life Insurance coverage. Someone will have to pay for the final expenses burial for your family. Why not pay for it through a Life Insurance policy now, at an affordable monthly rate, instead of having to come up with eight, ten, or even twelve thousand dollars during the time of your deepest grief. The loss of a loved one is tough enough. Have the piece of mind you’ll gain by knowing you have taken care of the ones you love, and provided them with this gift! Press 1 now to get started.”
They may also hear a recording that says, “Hello, this call is for those that have been putting off planning to take care of the awkward topic of funeral expenses. Consider this, a Final Expense plan needs No blood test or medical exams, and is guaranteed to issue regardless of your health, and premiums are guaranteed to never increase! If you’re interested in piece of mind for you and your loved ones, get a complimentary competitive quote from a live licensed insurance agent by pressing 1 now! Or press 2 to be removed from this special list. Thank you for requesting a quote, please press 1 now to be connected to a licensed agent, or press 2 now to be placed on our Do Not Call list.
As soon as the prospect has pressed 1 on their phone, your telephone begins to ring! I answered with, “Hello, my name is Matthew Rosenthal, and I am the agent that will be helping you with your personalized quotes today. Now I just need to ask you a few more questions to prepare your quotes and ensure that I am getting you the best possibly rates with the best possible companies.” From there I asked them the questions that I use for my prospect pages (i.e. birthday, medications, height, weight, etc.). Once I have finished taking down the persons’ information, I explain to them that I am an Independent agent and that I will take their information and “shop it” between several different companies to see who will offer us the best rates. Then I go into trying to set an appointment to come and visit them, so that I can help them go over exactly what I found to be the best coverage available for them.
Out of the 20 leads here are my findings;
- 2 people cussed me out.
- 2 people told me they just wanted to let me know that they already had all the insurance they needed.
- 1 person just wanted to let me know that even though the message said it was for people ages 40 to 85, he was 91.
- 4 people simply hung-up on me.
- 6 people asked me to be removed them from the dialer.
- 5 people were what I would consider to be good leads (2 of those 5 are exceptional leads).
Out of the 5 that were “Good leads” here are my findings;
- 1 gentleman just wants me to mail him quotes and more information for him and his spouse, I doubt he will actually purchase.
- 1 lady asked for quotes, but would not let me set an appointment until after I could give her quotes. When I called her back with the quotes she had me run her spouse as well, and she is so happy with the quotes I am have an appointment to take an application for both her and her husband Saturday. ($40.20 for her & $32.13 for him a month).
- 1 lady is on oxygen (COPD), and only qualifies for Presidential’s final expense, but you have never met anyone happier to be able to get some sort of policy. ($53.13 a month premium). She is also going to take an accidental Death policy from UHL (United Home Life) for $13.71 a month.
- 1 lady definite wants to take out a policy on her life for $28.92 a month, but is not sure if she wants to take out the one on her husband at $39.15 a month, or the one for $44.37 a month. (She also wanted quotes before she would agree to an appointment time with me). I am suppose to meet with her next Monday to take her application, and fianlize a plan for her husband.
- 1 person is an elderly gentleman that I honestly think just wants to have someone to talk to. He chatted with me for almost 45 minutes, for a process that should only take 5. I am suppose to meet with him next Saturday, and quotes for him are $44.10 a month, and $26.15 for his spouse.
As a street level writing agent I would make at least $1,444.82 in advances with $26.57 a month as earned. There is still a possibility that I might make another $695.57 in advances. Please note that I am NOT including anything for the gentleman that wanted me to mail him more information. As an R.F.S. agent I would have paid $140.00 for 20 direct transfer leads. I would consider that to be a wonderful investment for my return.
In conclusion, I would have to “Very Highly” recommend the Direct Transfer leads to any and all agents that are interested in purchasing Final Expense Life Insurance leads. The system was easy to use (even for someone such as myself that is horrible on a computer), It was a quick and easy process, and Most Importantly…. It was a Very profitable return compared to the lead cost!
Matt Rosenthal
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Exclusive Live Transfer Final Expense Leads
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