Thank you for holding on the line, my name is AJ and I am a Final expense product specialist and I will be

happy to assist you for Final Expense quotes. HOW ARE YOU DOING TODAY ?

Great!

We are one of the largest networks of final expenses with an independent insurance brokerage that is
appointed with 40 difference insurance companies and licensed nationwide helping about 2000 families
a year.

May I ask how old are you as of today? what is your age ?

And, In order to pull out rates from your local are can I have your zipcode, please?

So, these are new state regulated plans, designed to cover end of life expenses such as burials / funerals,
cremations, last minute medical bills or any debts and obligations that you may leave, God forbid if you
die tonight, tomorrow or the day after tomorrow. Since we are specialized in end of life planning we
have affiliation with 40 different top A rated insurance companies like Mutual of Omaha, NewYork life,
AIG, Lincoln Heritage, Liberty, State Farm, Prosperity and many more. So, I will do shopping at all these
windows, just like as you walk into different insurance companies separately and ask them all one by
one about their quotes and benefits. I will do all this at this one phone call and will give you the
cheapest rates with best coverage. Keep in mind, all of these policies will be whole life in nature, which
will never expire on you and their rates will never go up regardless of your age or health conditions. And,
unlike traditional policies, these policies not only have death benefits, they also have living benefits;
such as a benefit called accelerated death benefit, which means if you were diagnosed with a terminal
illness or have an expectancy of death prescribed by doctor within 90 days you can draw up to 50% of
face value of your policy and you can use that within your life like paying your medical bills or taking
care of an event of emergency. I will promise you for 3 things here

1. I will make sure you get a policy today within your affordable budget.

2. There will be no physical exams, or medical exams .

3. You will have no one come to your door step to discuss anything and I will do everything on this one
phone call and by the end of this call I will hand you over your policy number or I will close your file
permanently and let you go for the rest of your life .

Sounds fair!?

A lot of folks I speak with, on a regular basis, would like to get this coverage for either ;

Funeral / Burial

Cremation

Any debts or obligations

what do you reckon? If you choose to get a coverage, what would you like it to do for you?

Note:

We don’t replace insurance policy. We can consider adding extra coverage on the Cx’s existing life
insurance. (Note : replacement can be done if the client has bought there last policy in the last 1 year)

Burial Cremation Leave some money

¬The average cost of burial the average cost of cremation is so how much coverage

Is between $9,100/- to $13,000/- between $2,500/- to $5,000/- you want me to pull out

• Are you currently employed, self-employed, retired or on SSI?

o If “SSI” : Are you on Regular Social Security Income or Disability Income?

I am going to ask you some medical questions and we expect your honesty that is going to save us a lot
of time. And, this will help us evaluate which insurance carrier comes back with the maximum benefit at
the lowest rates for you.So,

Have you ever been diagnosed or treated for any of the following (ask them all 1 by 1 and clearly)

Alzheimer’s Dimentia , Congestive heart failure , organ transplant , HIV , AIDS , ARC , Lukemia ,
Tubercloses , chronic Respiratory desease , currently paralyzed , amputation due to a dease ?

Are you currently hospitalized in a nursing facility ?

Due to a disease are you currently confined to a wheelchair ?

Are you currently on oxygen ?

In the last 5 years, have you had any heart attacks, cancers, alzheimer’s, dementia, congestive heart
failure, kidney failure or an organ removal?

Have you ever had any disorder like of kidney, lung, brain, heart, circulatory system or liver?

In the last 3 years have you been diagnosed and treated for leukemia, sickle cell anemia, brain disorder,
alzheimer’s or dementia, aneurysm, diabetic coma, amputation due to any disease, cirrhosis of the liver,
Multiple Sclerosis, chronic respiratory disease, tubercolosis, chronic pneumonia, hepatitis?

In the last 2 years if you had any stents, pacemaker, defibrillator, valve replacement, stroke, TIA or
paralysis?
Do you have any health condition or take any prescribed medication on a regular basis ?

Do you have any complication from diabetes? (Neuropathy, amputation due to diabetes, retinopathy,
diabetic coma, etc)

Have you consumed any tobacco or nicotine products in the last 12 months?

Allright that’s pretty much all the questions I needed to ask and with in a few seconds I should be able to
pull out 3 different options for you and what every you decide to keep we will go ahead and do an
application and find out based on your questions answered if you are going to be approved if you get
approved I will go ahead and provide you a policy number today .

If the client has already told you how much coverage they are looking for please skip the last portion in
yellow

Now Mr client there are 2 ways I can pull out rates for you .

1 either you can tell me how much you would like to spend on your final expense insurance monthly
and I can pull out the maximum coverage you can get in that budget . OR I can go ahead and start from
5000 and go upto 35000 and show you all the options and you decide one of them its totally up to you .
again would you like to share a budget or I should go ahead and pull out rates on all available plans .

Put the information in the quoter and check 3 price in rates and quote them all one by one . start from
the lowest and go till the highest .

Opt:

“Please stay on the line. Give me a moment.” OR “Give me a moment. Please bear with me.”

quoting rule .

tell them following benefits before you quote .

1 . Whole life insurance

2. will have fixed preimums and the plan will never change after you make your first premium .

3. Insurance company name

4. insurance company reputation

5. Coverage amount
6. Coverage type (level , graded , modified or GI ) look following for explaining one of the 3 .

6. Monthly premiums should be the last option .

Now, the process is very simple , I will go ahead and fetch my documents and fill up and application then
I will take this call over to a licensed agent to conduct a telephonic interview with the insurance carrier
and they will give us a decision with in a few moments . Once you get approved they will go ahead and
send you the policy in black and white with in next 7 business days at your door step. You can get
started any time within next 30 days by making your first payment on it . A lot of our clients makes there
payment on the day when they get paid its either the 1st of the month 3rd of the month or 2nd , 3rd or
4rth Wednesday of the month . what date you get paid or in other what date you want to make your
first payment on the policy ?

while choosing the date please make sure following days or dates are not chosen .

1. 29th 30th or 31st of the month .

2. Saturdays or Sundays by watching calenders .

Just for the sake of quality assurance the insurance agency wants us to record the call so I will be putting
you a on a recorded line to read some disclosures .

press the recording key on your screen .

Mr client ________ this is agent ID and agent name completing your application for $5000 whole life
insurance with monthy premiums as $50 a month .

Please spell your first , middle and last name for me the way its written on your social security card .
(first Name , middle name , last name )

what address do you want us to mail the policy

Your dob on your legal documents .

What state were you born in ?

If this is the only phone number or you have a different phone number as well you would like to provide
for instant contact information for the carier . also confirm which one is there cell phone and home
phone .

what will be the email address ? where you should be getting an instant email as soon as you are
approved .

What is the name of your primary doctor ?

Who will be the person receiving a check of $20000 in case of your death from the insurance company
in other words I would like to know the name of the beneficiary

Primary beneficiary secondary beneficiary / contengant .

what is your social security number ? (must be 10 digits ) . read in the form of 3 – 3 – 4 .

I want you to grab a pen and a piece of paper please I would like to provide you some important
information.

make them write down the following .

1. Insurance company name

2. Plan name

3. Coverage amount .

4. Monthly premiums .

5. Call back number .

6. Your agent extension id .

7. Office hours .
now I would like to do more customer service here that’s how we serve more then 2000 families a year .
once you get your policy document please do not treat them as a piece of paper instead treat them as a
legal document which is in your hands as a check of coverage amount your kids will use god forbid
when you are not in this world . so please keep your kids informed about it also keep it to a safe place
where you would have kept $20000 if you had them in hands today .

For your payments as we mentioned the first payment draft date will be ----------------

what will be the future draft date ? _______________

would that be checkings or savings ?

And is this account on your name?

insurance companies withdraw funds out of your bank account on the following date so you never miss
your payments even if you are sick or hospitalized or even you are in a state of emergency where you
can miss your payments by mistake so it should not be missed there to avoid a laps on your policy.

Whom do you bank with?

Do you have a checkings with them or a savings?

What is your account number?

Where are you reading these numbers from?

If from checkbook

Then request your client to read the set of numbers written on the left most bottom corner of the check
which is there routing number .

now the middle set of numbers which is there account number .

right most set of numbers are the check numbers (which is not required )

What is your routing number?

if the bank statement is available .

right top corner on the bank statement are the account numbers it can be written in the following
way .i-e : account number 01234567891023344 / account number *******3344
If the account number is written on there statement like this account number *******3344 then you
will have to ask the client full account number if they can provide it its good other wise you will be
calling the bank with them on the line on a 3 way call and request them to ask for the bank account
number and routing number from the bank .

Alright we are done with this . I’m going to now transfer you to the licensed insurance agency. They will
be completing your insurance application. They will handle ALL insurance matters with the carrier, from
this point forward. It was my pleasure in assisting you to this point. I will share the information you have
provided with the agent now and connect you. Please stay on hold for a few moments .