If you want to sell final expense insurance you must have access to a good source of, high quality, Final Expense Leads. If you don't have enough leads in your pocket each week, you are only setting yourself up for failure. Yes, you can open a phone book or if you are really ambitious and want to lose a few pounds while working, you can walk neighborhoods and knock on doors. Agents still do this today but it is an art that is slowly fading.

Buying Final Expense Leads are extremely expensive and will usually burn a big fast hole in your pocket book at the rate of $25-35 per lead! Yikes!! Television leads can cost as much as $50 per lead....Say What?!?!?

Many places you buy your final expense leads from usually sell their oldest leads first so some "A" leads you may get can be weeks old.  This can be a problem in competitive areas since you may not be the only agent contacting that lead.  Many times by the time you finally make contact with the prospective client, they may have already been contacted and worst yet...Sold.

If you are going to buy final expense leads, the best route to go is to go directly to a mail house and order directly.  This way you generally are guaranteed to have the freshest best quality lead... you are more in control doing it this way.  You may notice I said generally know they are fresh.   Make sure you develop a good relationship with an upfront and honest mail house, one you feel comfortable with.

Having enough high quality Final Expense Leads is vital to your success.  Most agents aren't willing to invest in their business as they should.  Purchasing only 10 leads a week will certainly set you up for failure.  You can't sell air!

 Sure "A" leads may drain your pocket book and eat into your profits but what about "B" leads?  One of the big keys today selling insurance is keeping down cost associated with selling insurance...what ever that line of insurance is.

"B" leads are an often overlooked source of income.  Not only are "B" leads way cheaper than "A" leads, they in some instances are better.  Now before you call me crazy you must really look at what a "B" lead may or may not be.

"B" Leads are leads that are typically more than 30 days old and have already been sold to another agent.  This agent may or may not have even contacted the potential client. 

Often times with leads, people are unreachable for whatever reason.  Maybe they work wierd hours or maybe they are down south for the winter.  No matter the reason, some "B" leads you buy may never have been contacted and still have a need for a policy.  You might have only paid $5 for this lead but in all reality, it's just as good as an "A" lead somebody paid $28 for.

Other times those "B" leads you buy were contacted by an abrasive or pushing salesman and would never buy from that type of person.  You have to remember most agent will only buy 10 "A" lead which means they are under pressure to make ever lead count and so they will have a tendancy to push the client away.  Many times a client won't buy from one person but will from another.

What if it wasn't the right time for a client when they were initially contacted?  Now you contact them months later when it is.  Or what about that "B" lead that was never called at all because the agent that originally got that "A" realized he didn't like the final expense business and never made one call to his leads?

Do not count out "B" leads in your arsinal.  In many instances you are paying a fraction of the the cost for a lead that is just as good as an "A" lead.